Privacy Policy

LoanBrix manages your personal information in compliance with the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and other relevant law.

LoanBrix respects your Privacy and takes care with the handling of your personal information. This Policy defines how we use your information in providing service to you.

The information we collect.

The information we collect can include your name, date of birth, address, account details, occupation, financial details and information we made need to identify you. In the normal conduct of business we may also obtain other personal information informally and will treat that with equal respect.

When processing an application for finance we may collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses.

We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia.

How we use your information.

We use your personal information to process any finance service or product provided to you and to communicate with you for marketing purposes. You may choose to opt-out of receiving marketing information from us at any time by sending a request by email or by letter to the following address:

Suite 7, 2-8 Burwood Highway, Burwood East, Vic 3151

LoanBrix does not disclose your personal information to others for the purpose of marketing.

Prior to disclosing any of your personal information to another person or organisation, we will take reasonable steps to satisfy ourselves that:

1. the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
2. you have consented to us making the disclosure.

Your information may be disclosed in the following circumstances:

• to prospective funders or other intermediaries in relation to your finance requirements;
• to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres;
• to companies that provide information and infrastructure systems to us;
• to anybody who represents you, such as a conveyancer, lawyers or accountant;
• to anyone, where you have provided us consent;
• where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006;
• to your employer, referees or identity verification services.

Access to and correction of your personal information.

It is important that the information we hold is accurate and up to date. Please contact us whenever there are any changes to your personal information, so that we can update our records.

You may request access to any of the personal information we hold about you at any time.

Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.

We may charge a fee for our costs of retrieving and supplying the information to you to cover the costs of retrieving the information. A request for current information we hold would normally not incur a fee.  Complex or extensive enquiries may require a fee for cost recovery, particularly if we need to consult with other entities as part of our investigation. If there is an access charge, we will provide an estimate and confirm you want to proceed.

There may be situations where we do not provide you with access to your personal information, for example, if the information relates to legal privilege or infringes the right of others. An explanation will be provided to you if we deny you access to the personal information we hold about you.

Complaints

If you are dissatisfied with how we have dealt with your personal information, please contact or you our complaints officer on 03 9807 5169 or by writing to

Suite 7, 2-8 Burwood Highway, Burwood East, Vic 3151. We will acknowledge your complaint within seven days. We will provide you with a decision on your complaint within 30 days.

If you are dissatisfied with the response of our complaints officer you may make a complaint to the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992.