SmartRefi values you as a customer immensely and that includes valuing the importance of your privacy. Please see below information we are obliged to communicate with you
When we refer to personal information, we mean information or an opinion from which your identity is apparent or can reasonably be ascertained. The personal information we hold about you may also include credit information. Credit information is a sub-set of personal information and is information, which is used to assess your eligibility to be provided with finance. It may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies (CRBs).
The law requires us to advise you of ‘notifiable matters’ in relation to how we may use your credit information.
We exchange your credit information with CRBs. We use the credit information that we exchange with the CRBs to assess your creditworthiness, assess your application for finance and manage your finance. If you fail to meet your payment obligations in relation to any finance that we have provided or arranged, or you have committed a serious credit infringement, we may disclose this information to a CRB.
You have the right to request access to the credit information that we hold about you and make a request for us to correct that credit information if needed. We explain how you can do this below.
Sometimes, your credit information will be used by CRBs for ‘pre-screening’ credit offers on the request of other credit providers. You can contact the CRB at any time to request that your credit information is not used in this way.
You may contact the CRB to advise them that you believe that you may have been a victim of fraud. For 21 days after the CRB receives your notification, the CRB must not use or disclose that credit information. You can contact any of the following CRBs for more information: Dun & Bradstreet (Australia) Pty Ltd (www.dnb.com.au), Experian (www.experian.com.au) and Veda Advantage Ltd (www.veda.com.au).
Your personal information and its protection are of utmost importance to us. Personal information held by us may include your name, date of birth, current and previous addresses, telephone or mobile phone number, email address, bank details, occupation, driver’s licence number and financial details. We may hold details of your products and services (including their status) such as your home loan, car finance or superannuation provider.
If you choose not to provide certain personal information (e.g. your date of birth), we may not be able to provide you with the services you require, or the level of service on which we aim to offer.
You may need to provide personal information about other individuals to us (e.g. about your authorised representatives). If so, we rely on you to inform those individuals that you are providing their personal information to us and to advise them that we can be contacted for further information
Collection Of Your Personal Information
We collect personal information in a number of ways, including: directly from you, for example, when you provide information by phone, in application forms or when you submit your personal details through our websites, from third parties such as our survey or competition websites, marketing websites, related companies, CRBs or your representatives. If we obtained your information through any of these methods and you would like a list of these entities or websites, please contact us.
Using Your Personal Information
Your personal information may be used to: verify your identity; assist you to gain approval or provision of a product or service; provide the services you require; administer and manage those services such as payments; inform you of ways the services provided to you could be improved or additional services that you may benefit from; market services (explained below); conduct appropriate checks for credit-worthiness and for fraud; research and develop our services provided, either directly or referred; gain an understanding of your information and credit or financial needs in order for us to provide you with a better service.
Also, your personal information is collected so that we, and our related entities can promote and market services to you (including by way of direct mail, telemarketing, email, SMS and MMS messages). This is to keep you informed of products, services and special offers and we may continue after you cease holding an active product or service through us. If you do not wish for this to occur, please contact us.
We may also disclose your information to your authorised representatives or your legal advisers (e.g. when requested by you to do so); credit-reporting and fraud-checking agencies; credit providers (for credit related purposes such as credit-worthiness, credit rating, credit provision and financing); Australian Banks, non-bank lenders and providers of credit, financial or insurance services; our related companies; our professional advisers, including our accountants, auditors and lawyers; other comparison sites, mortgage brokers or providers of investment, financial or credit where legal for us to do so; government and regulatory authorities and other organisations under which we are governed, such as ASIC as required or authorised by law; and organisations who manage our business, marketing and corporate strategies. Some of the above external organisations and entities may be located outside of Australia. You should note that while they will often be subject to confidentiality or privacy obligations, they may not always follow the particular requirements of Australian privacy laws. Overseas organisations may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure.