This policy provides information about what personal information we collect and how we use it in the context of Glove Finance Pty Ltd ACN 156 241 244 Australian Credit Licence 420265 and our related body corporates (‘we’, ‘us’, ‘our’) providing finance to you. We are committed to protecting the personal information we collect and hold about you.
We recognise that any personal information we collect about you will only be collected, held, used or disclosed for the purposes we have collected it for or as allowed under the law (such as under the Anti-Money Laundering and Courter Terrorism Financing Act 2006 (Cth), the Privacy Act 1988 (Cth) or the National Consumer Credit Protection Act 2009 (Cth)).
When we refer to personal information we mean information or an opinion about an identifiable individual, or an individual who is reasonably identifiable. This information may include information or an opinion about you. The personal information we hold about you may also include credit-related information.
Credit-related information means:
Collection of personal information
The kinds of personal information we may collect and hold about you depends on your relationship with us (such as whether you are a customer or an employee) and may include your name, date of birth, address, email address, marital status, number of dependants, bank account details (including internet banking log-in details and account numbers), transactional history (e.g. payment history and loan balances), occupation, income details, employer information and any other information we made need to identify you such as your passport, driver’s licence or Medicare number.
The main consequences of us not collecting personal information are an inability or delay in being able to identify you, contact you or provide services to you. We will generally not ask you to disclose sensitive information about yourself, such as your religion or health related information. However, sometimes we may be required to collect or hold sensitive information about you or you may provide unsolicited sensitive information (e.g. if you volunteer information regarding your health). In those circumstances, we will ask for your consent to collect and hold sensitive information about you and we will also determine whether the information is reasonably necessary for one or more of the purposes outlined below.
We will collect information from you electronically, for instance through internet browsing, mobile or tablet applications. We use a technology called ‘cookies’ to provide you with better and more customised service and with a more effective Site. A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.
Reasons for collecting personal information
We collect your personal and credit related information so we can:
You must not give us inaccurate or incorrect information, or omit to provide us with information as we may not be able to provide you with our services.
Where reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from credit reporting bodies, your bank account providers, our service providers and from finance brokers and, with your consent, from third party social media platforms such as Facebook. We also collect information when you interact with our website or mobile applications.
Disclosure of Information
We may disclose your personal information to third party service providers we contract with to perform certain functions on our behalf such as:
The above mentioned recipients may be located overseas and may store your personal information outside of Australia. Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
If you are dissatisfied with how we have dealt with your personal information, or you have a complaint, you can contact our complaints officer in any of the ways listed at the end of this policy.
We will acknowledge your complaint within 7 days. We will provide you with a decision on your complaint within 30 days.