Low Doc is bound by the National Privacy Principles of the Privacy Act, 1988 and is committed to safeguarding personal information it may hold at any time in respect of any individual, in accordance with the requirements of the those Principles.
“Personal information” for the purposes of this Policy is information about and which identifies individuals. It includes information obtained from an individual or a third party and, for individual credit applicants and guarantors, includes anything about credit worthiness, standing, history and capacity which, under and in accordance with the Privacy Act may lawfully be exchanged.
Low Doc will not ordinarily collect any information about you except where you provide it to us or it is provided to us with your authority.
The types of personal information Low Doc collects generally includes your name, address, telephone number, email address, tax file number, date of birth, employment and income details and other financial details including credit history.
In certain circumstances, we may also collect personal information which is sensitive. Sensitive information includes information about your health, religious or philosophical beliefs, membership of professional or trade associations or a criminal record. Unless the collection of sensitive information is required or permitted by or under law, we will obtain your consent to its collection.
We will collect personal information directly from you when you complete an application form for one of our lender’s, deal with us over the telephone or in person, send us a letter or visit our website.
Low Doc only collects personal information about you that is necessary for our functions and activities and, ordinarily, you will be told the purposes for which we collect that information when it is collected. As a general rule the collection of your personal information will be necessary for us to provide a service to you or to maintain our relationship with you.
Low Doc will not use or disclose information collected about you other than for a purpose made known to you, a purpose you would reasonably expect, a purpose required or permitted by or under any law or a purpose otherwise authorised by you. You authorise Low Doc to disclose necessary information to related companies and to any agents or contractors who provide services to us in connection with the provision of products or services you have sought from us. These parties are prohibited from using your personal information except for the specific purpose for which we supply it to them.
In some cases, we may need to transfer your personal information outside Australia. If we believe that the overseas third party is not subject to privacy obligations equivalent to those which apply to us we will seek your consent to transfer the information, except where the National Privacy Principles do not require us to do so.
If at any time you wish to know what personal information we are holding about you, you are welcome to apply for your details by telephoning us.
Under certain circumstances, Low Doc may not be able to tell you what personal information we hold about you. This includes where, it would have an unreasonable impact on the privacy of other individuals; the information relates to legal proceedings with you; the information would reveal Low Doc’s commercially sensitive decision-making process; or we are prevented by law from disclosing the information, or providing access would prejudice certain investigations.
We may charge a fee for accessing your personal information.
Low Doc will take reasonable steps to ensure that your personal information is accurate, complete and up to date. If at any time you believe that personal information that we hold about you is inaccurate, incomplete or out of date, please advise us by telephoning us. Low Doc maintains strict procedures and standards and takes all reasonable care to prevent unauthorised access to, and modification and disclosure of, your personal information. We will take all reasonable steps to protect your personal information from misuse and loss. If we no longer need your information, we will destroy it.
Low Doc will use your personal details, including your email address, to provide you with information, specific promotions and products that may be of interest to you. We also provide your details to other organisations (including our related companies) but only for specific marketing purposes. If at any time you do not wish to receive further marketing information, you have the option to ask us not to send you any further information about products and services and not to disclose your information to other organisations for that purpose. You may do this by telephoning us.
If you believe that the privacy of your personal information has been compromised or is not being adequately protected, you should contact us by telephoning us. We will make every effort to resolve your complaint internally.
If we do not resolve your complaint to your satisfaction, you may apply to the Federal Privacy Commissioner to have your complaint investigated. For more information about how you may lodge a complaint with the Federal Privacy Commissioner, please contact the Commissioner’s hotline service on 1300 363 992.