Privacy Policy
Who we are
Our website address is: https://principledpeople.com.au.
What is Personal Information
About this Privacy Policy
We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information.
We recognise that any personal information we collect about you will only be used for the purposes we have collected it, or as allowed under the relevant law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information in accordance with all applicable laws including the Privacy Act 1988 (Cth).
What information we collect
We collect your personal information directly from you most of the time, however on occasion, we may also collect information about you from other people and organisations.
We collect personal information when you:
enquire about, apply for, or use our products or services
contact us to make an enquiry or give us feedback
visit our website or use our digital services participate in other activities we offer, such as competitions or surveys
talk to us or do business with us.
While we are required to collect some types of personal information to meet our legal obligations, we do attempt to keep our collection of your personal information to what is necessary to offer you the products and services you require. Depending on those products and services, we may collect the following types of personal information:
Information about your identity, such as your name and contact details (including your email address and mobile number)
Information about your personal circumstances (e.g. marital status, age, gender, occupation, and relevant information about your partner or family)
Information contained in identity documents or government documents, provided by you or someone acting on your behalf (e.g. your drivers' licence, passport, Medicare number) or government-issued concession cards you hold Credit and other financial information, including transactions and payments made using banking and finance platforms and details of any of your assets and liabilities (such as your share holdings or accounts with financial institutions).
Information you or someone acting on your behalf provides us as part of applying for a product or service from us, including details of your income and assets, financial liabilities, copies of bank statements and credit card statements from financial institutions, as well as information from third parties regarding your credit history.
How information is collected from other sources
Sometimes we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it’s reasonably necessary to do so, for example, where:
we obtain information (including commercial credit information concerning your credit worthiness or history, consumer information and collection of overdue payments information) from a credit reporting body for any purpose described below;
we obtain information about your loan or a guarantee of the loan from another organisation described above;
we can’t get hold of you and we rely on publicly available information to update your contact details;
we check property, you offer as security, through public registers or our service providers; or
we exchange information with your legal or financial advisers or other representatives.
Why we collect your information and what we use if for
We collect personal information to enable us to provide our services to you. We collect personal information relating to you and your financial requirements, in order to assist with recommending property and home loan products and services, specialised leasing and finance services or any other financial product or service you enquire about . If you are unwilling to provide us with the information we need, we may not be able to provide our services to you.
We collect, use and share your information:
To confirm your identity and manage our relationship with you, including to contact you about changes our financial service providers products and services
Providing you information about loan products or related services
Considering whether you are eligible for a loan or any related service you requested
Processing the application and providing you with a loan or related service
To assist our business partners with designing, pricing, providing, managing and improving their products and services
To personalise the way content, services, and offers are presented or delivered to you, including providing you with a personalised user experience and targeted marketing offers
To see if you qualify for any products or lending facilities you apply for
To let you know about products and services you might be interested in, including those offered by our business partners
Provide your personal information to a government agency or third party to match it against data held by them to confirm your identity
Use your information to contact you if we detect a security threat To comply with our legal obligations, respond to legal process requests, or requests from law enforcement bodies or other third parties, including under relevant laws, such as the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), the Income Tax Assessment Act 1936 (Cth) and the Competition and Consumer Act 2010 (Cth)
For any other purpose you consent to or opt in to, including sharing or enabling functionality with our business partners
If you don’t provide or allow us to collect your information, or the information you give us is inaccurate or incomplete, we may not be able to give you access to products and services we may offer you from time to time.
Make sure:
The information you give us is accurate, up to date and complete
You let us know as soon as possible if you’ve changed any of your personal details
Who we share your information with
The information we hold about you may be shared between members of Principled People Financial Services (Aust.) for the purposes set out in this notice. The information may also be shared with other third parties to help us deliver products and services or as required by law, including:
Brokers, advisors and people who act on your behalf.
Government and law enforcement agencies, regulators or trusted third parties for security and fraud protection.
Comments
When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Contact forms
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select Remember Me, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
Analytics
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where we send your data
Visitor comments may be checked through an automated spam detection service.
How to contact us
richard@principledpeople.com.au
0400 221 495