Xeon Finance Group Pty Ltd T/as Get Novated ABN 48 167 642 015 (Get Novated) collects your personal information from you when you apply for a product or request any information from us. We collect this information to provide and promote our products and services to you (including to answer any queries you may have). We may not be able to do so if you do not provide us with any information that we request.
1. What is Personal Information and Sensitive Information?
Personal information is information or an opinion about an identifiable person or a person who is reasonably identifiable.
Common examples are an individual’s name, signature, address, contact details, date of birth and bank account details.
The Personal Information we may collect includes your personal information, contact information and credit information such as your credit history (including information about your past experiences with us and credit providers, the kinds of credit products you have had or sought, how you have managed your obligations, information contained in a credit report about you, and information about your credit worthiness based on a credit report about you.
Sensitive Information includes information about your racial or ethnic background, political opinions, membership of political, professional or trade associations or trade unions, religious beliefs or affiliations, philosophical beliefs, sexual orientation or practices or criminal record (where that information is personal information); health information and genetic information; biometric templates and biometric information that is used for the purpose of automated biometric verification or biometric identification.
2. How we collect Personal Information and Sensitive Information?
We will always collect personal information and sensitive information directly from you. How we collect your personal information will depend on how you interact with us. For example, we may collect it through your access and use of our websites, during your conversations with our representatives or from application forms you complete.
There are occasions when we may need to collect your personal information or sensitive information from third parties, with or without your direct involvement.
We will generally obtain your prior consent if we need to obtain your sensitive information from third parties (unless a relevant exception applies). Depending on the products or services you request or receive, the third parties from whom we may collect personal information include your employer, third party brokers and agents, credit reporting bodies, government agencies, your representatives and your advisers and other organisations who, jointly with us, provide products or services to you.
We may also collect sensitive information from medical practitioners, health and disability support providers.
If you do not provide us with the personal information (and, where applicable, sensitive information) described above then, depending on the circumstances and the nature of our relationship and dealings with you, some or all of the following may happen:
- we may be unable to provide the requested products or services to you, either to the same standard or at all;
- we may be unable to provide you with information about products and services you may want, including information about discounts, sales or special promotions; or
3. Why we Collect Personal Information and Sensitive Information?
We collect personal information and (where applicable) sensitive information from a variety of sources. We collect personal information and (where applicable) sensitive information from you to provide our products services you have requested, and for the administration of those products and services.
We may also collect, hold, use and disclose your personal information and (where applicable) sensitive information to:
- Assess and verify your identity and your financial situation
- conduct our business administration and operations such as accounting, risk management, record keeping, statistical analysis, research, planning, systems development, testing and staff training
- answer your enquiries and respond to any complaints made by you
- assess and monitor the use and performance of our websites and provide you with access to secure areas of our websites
- up-date our records and keep your contact detail updated
- comply with any law, rule or regulation or request or direction from any Court, regulator, law enforcement body or governmental authority.
4. Disclosure of your Personal Information and Sensitive Information?
We may disclose and exchange your Personal Information with credit providers, potential credit providers and the issuers of any insurance products who are the subject of an application. We may also disclose personal information to others to verify that it is correct (for example an employer), our related bodies corporate, assignees, agents, contractors and external advisers; organisations for verifying your identity; your agents, advisers, guardians or attorneys; law enforcement, regulatory and government bodies; anyone who introduces you to us; any person we consider necessary to execute your instructions; guarantors and persons with whom you make a joint application; any financial institution to or from which a payment is made in relation to your application; and debt collection agencies.
We will not disclose your Personal Information, including your credit information, to overseas recipients.
We, our related companies and our selected business partners would like to provide you, or the company of which you are a director, with direct marketing information about the products and services we believe you will be interested in.
You can opt out of receiving direct marketing communications from us at any time.
We may contact you by telephone, mail, SMS, fax or email. Our contact details are set out at the end of this policy.
We do not sell personal information to other organisations to allow them to do this.
6. Protection of Personal Information and Sensitive Information
We take reasonable steps to ensure your personal information is protected from misuse and loss and from unauthorised access, modification or disclosure. We may hold your information in either electronic or hard copy form.
We use a range of security measures to protect the personal information we hold, including by implementing IT security tools to protect our electronic databases.
We take reasonable steps to ensure that personal information is destroyed or de-identified when no longer needed.
When browsing our web sites, you acknowledge that the internet is not always a secure environment and that the computer and network you use contribute to the overall level of effective protection in place. You further acknowledge that any transmission of information over the internet is out of our control before it reaches our system. Only once we receive your transmission, we can take reasonable steps to ensure its security.
7. Your Rights to access and correct your Personal Information
Our Privacy Statement contains information about your rights to access your Personal Information and seek correction of such information.
Our Privacy Statement also contains information about how you may complain about a breach of the Australian Privacy Principles.
You may request access to any personal information or sensitive information that we hold about you. The type of information you request will determine the length of time we take to respond. We will generally respond using the same communication method by which your request was originally made.
To access and seek correction of your Personal Information, or make a complaint about privacy, you can contact us at:
Phone: 1300 281 248
Email: [email protected]
Mail: PO Box 4098, Invermay TAS 7248
8. Electronic Communications
If you provide us with an email address or mobile phone number, you consent to us using these electronic addresses to send you all communications which can be lawfully provided electronically. Electronic addresses must be regularly checked for notices or other communications from us. You also consent to us using these details to send, or make available to you to access, notices and documents – for example, a credit guide from credit provider(s) or a financial services guide and product disclosure statement from any insurer. You are responsible for ensuring that you maintain the appropriate software and hardware, to access, view, retrieve, print and save a copy of such documents.
We will no longer provide you with a hard copy (i.e. electronic documents in paper form) unless we are legally obliged to do so. You must ensure that your email does not block our notices and communications. You must also ensure that your email address or mobile phone number remains current, and we rely on you to notify us of any changes in those contact details. You should nominate an email address or mobile phone number which is only accessible by you, rather than, for example, one which is accessible by your work colleagues or family members.
Your consent to electronic communication may be withdrawn at any time by notifying us via:
Phone: 1300 281 248
Email: [email protected]
Mail: PO Box 4098, Invermay TAS 7248