We recognise that your privacy is very important and we are committed to protecting your personal information provided by you to us. We are bound by the Privacy Act 1988, Privacy (Credit Reporting) Code 2014 and the Australian Privacy Principles.
Liberty Financial Group Limited;
Liberty Fiduciary Ltd (including as responsible entity of the Liberty Financial Group Trust);
Liberty Financial Pty Ltd;
Liberty Network Services Pty Ltd;
Secure Funding Pty Ltd;
Assured Credit Management Pty Ltd;
Money Place Australia Pty Ltd;
Money Place ACL Pty Ltd;
MoneyPlace Pty Ltd;
Money Place Assets Pty Ltd; and
National Mortgage Brokers Pty Ltd.
When this policy or any of our communications with you about privacy uses the words ‘we’, ‘us’, ‘our’ or ‘ours’ or ‘Liberty Group’, this is a reference to all or any one of these companies. When this policy refers to products and services, this includes our investments and our listed securities.
We may amend this policy from time to time to ensure it remains current. We recommend that you check our website regularly for changes to this policy.
We collect and hold personal information about our applicants and potential applicants for our products and services, our customers and business partners. The type of personal information we collect and hold may include but is not limited to:
identity details such as your name, address, and date of birth;
contact information such as phone numbers, email addresses and digital handles;
employment and income information;
financial information and transactions;
health information relevant to your products;
lifestyle information relevant to your products; and
interactions with us through our website or any other communication platform.
If you are considering employment with us, we will also collect your career history, aspirations and motivations.
When we act as a credit provider, we participate in the credit reporting system and collect information relating to your credit activities. The type of credit information we collect is explained in the ‘How we participate in the credit reporting system’ section of this policy.
We collect information from you directly when you inquire or apply for, or offer to guarantee, any product or service with us and when we speak with you on the phone, exchange electronic and other correspondence, from third party brokers if you use one and from our related companies. We also collect information from credit reporting bodies, payment providers, other credit providers, our related companies if you have a relationship with them, third parties you have identified in your application to us, such as your current and previous employers and referees or government agencies and from publicly available sources, including social networks. We may derive information or form an opinion by analysing data collected from these sources.
We ask our customers to ensure that when they provide information about another person to us, for example a referee or a guarantor, that they ensure that person is made aware of this Policy.
We may collect information about you from any driver licensing or vehicle registration authority in Australia including but not limited to Roads and Maritime Services (NSW), Department of Transport (WA), Department of Transport and Main Roads (Qld), Department of Planning, Transport and Infrastructure (SA), Road Transport Authority (ACT), VicRoads (Vic), Department of Transport (NT), and Department of State Growth – Transport (Tas).
Our main purposes for collecting your personal information are to help us with:
assessing applications for products and services offered by us;
managing, varying, fulfilling or enforcing products offered by us;
letting you know about products and services offered by us or by an organisation that we are associated with that might interest you or meet your financial or insurance needs;
complying with our legislative or regulatory requirements including but not limited to our requirement to verify your identity, our obligation to investigate complaints and if necessary, potential misconduct and how it might affect you;
research and product development; and
In some circumstances we may collect sensitive information about you and your family, for example if you are in default under a loan agreement with us due to ill-health. We will only collect personal information from you that is necessary to one or more of our functions and activities.
We will only collect personal information from you by lawful and fair means, without being unreasonably intrusive, such as when you complete an application form or respond to some other communication relating to the management of your relationship with us.
In most cases, it is necessary for us to identify you so that we can provide our products and services. However, if it is lawful and practicable, you may have the option of not providing us with your identity information such as when making general enquiries about products or services.
We will only use your personal information for the purposes we told you it was needed except where:
you give us consent to use your personal information for another purpose;
the other purpose is related to one of those purposes, or it is not unreasonable to expect us to use your personal information for that other purpose;
purposes permitted or required by law.
We may also use your personal information to send you materials about products or services we think may benefit you, and we may disclose your personal information to our related companies or associated organisations so that they may send you marketing materials. You may tell us at any time that you do not wish to receive any further marketing materials by sending an email to email@example.com and we will stop sending you such materials unless you consent to receiving them again.
We may share your personal information with our related companies and third parties with whom we have a business relationship including but not limited to:
our funders, account holders and operators, credit reporting bodies, other credit providers, introducers, valuers, insurers, debt collection agencies, debt administrators, external dispute resolution bodies and government authorities;
organisations involved in processing (including card and PIN producers), managing, insuring or funding credit facilities;
organisations that provide investor services, such as the management of our security register and the processing of our investor communications;
organisations we outsource functions to such as mailing and printing houses and marketing and media organisations including media or social networking sites that provide us with opportunities to place messages in front of you;
organisations that help us to verify your identity (for example, we may provide your personal information to Equifax, as an authorised Gateway Service Provider of the Document Verification Service, and request that it be matched to information held by the issuer or official body that records that information);
service providers that help us reduce the risk of identity takeover or to screen for illegal activity when you transact using our online services;
organisations that provide verification of your income or employment;
organisations who offer or manage mortgage or finance brokers (usually termed ‘aggregators’) for the purpose of monitoring and supervising the compliance of brokers with credit laws and standards;
specialist advisers such as accountants and solicitors (both yours and ours);
if you have insurance that relates to your loan, your insurer in relation to funding your policy and claims under your policy; and
our associated organisations so that they may let you know about products and services which might meet your needs.
If you are considering employment with us, we will not disclose your personal information to third parties other than to those directly assisting us with recruitment.
You should be aware that some of the recipients of your information may not have privacy practices equivalent to ours.
We share your information with our service providers who use cloud servers located overseas to store your information, and our related entities overseas perform operational or administrative services on our behalf.
Countries we may send personal information to include New Zealand, Singapore, Japan, the United States, the United Kingdom and countries in the European Union. These countries have laws that protect privacy offering similar standards of privacy protection to Australia.
If you are considering employment with us, we may share your information to our related entities in New Zealand.
You may request access to your personal information at any time. We will respond to you within 30 days of receiving your request.
In most cases we will facilitate access by providing you with copies of or a summary of relevant documents. However we may decide that other means of providing you with access are more appropriate based on the circumstances of your request. In most cases, we will charge you a fee of $50 for providing you with access to this information.
We are not required to provide you with access to your personal information in certain circumstances, such as where your request is frivolous or vexatious, or where providing access would unreasonably interfere with another person's privacy, would be a breach of the law, or where the information you request is not relevant, commercially sensitive or relates to existing or anticipated legal proceedings. If we refuse access we will advise you in writing of our reasons for doing so and the mechanisms available for you to make a complaint.
Once we collect your personal information we will take steps to keep it accurate, complete and up to date.
If you request, or if we believe that the personal information we hold about you is inaccurate, out-of-date, incomplete or misleading, we will take reasonable steps to correct your information. We will respond to your request for correction within a reasonable period of receiving your request. We will not charge you for making a request if we correct your information.
If we have previously disclosed your personal information to another entity, you may ask that we notify the other entity of the correction. We will notify the particular entity you have identified in your request provided it is not impracticable or unlawful for us to do so.
If we refuse correction we will advise you in writing of our reasons for doing so and the mechanisms available for you to make a complaint. If we refuse to correct your personal information, you may request that we associate your information with a statement that the information is inaccurate, out-of-date, incomplete or misleading. We will take reasonable steps to associate the statement in an appropriate way.
You may make a request for access or correction by contacting our Privacy Officer using the details below.
We take steps to protect personal information from misuse, interference, loss and unauthorised access. Some of these steps include physical security such as locks and access control to our premises and computer security including requiring passwords and other security measures for accessing our systems and databases, as well as having information security policies that our staff and business partners must follow.
You can also help us keep your personal information secure by ensuring that any password you use to access our systems is kept strictly confidential and by logging off when you have finished using a shared computer. We will not be responsible for any access or change made to your personal information occurring as a result of you disclosing your password to a third party or through any unauthorised access.
If you apply for a credit product with us or offer a guarantee, we will exchange information about you with credit reporting bodies. The type of credit information we may collect and exchange includes but is not limited to:
identification information such as your name, address, date of birth and employment details;
default information if you have defaulted in your payment obligations to us or other credit providers or committed a serious credit infringement and information about any subsequent payments or new credit arrangements you enter into;
consumer credit liability information, including details about credit you have with us and other credit providers;
repayment history information such as when and how you meet your monthly payment obligations to us and other credit providers, including whether you are in a financial hardship arrangement and whether you comply with that arrangement; and
information relating to court proceedings or personal insolvency proceedings and other information relating to your credit history.
When we disclose credit information about you to credit reporting bodies, this credit information may be included in a credit report that credit reporting bodies provide to other credit providers to assist them assess your suitability for their products and services.
When you apply for a personal loan product, we may also use credit information about you sourced from credit reporting bodies to supply you with an interest rate estimate.
We may use any of Equifax Pty Limited (Equifax), Experian Australian Credit Services Pty Ltd (Experian), Illion, Tasmanian Collection Service (TCS), Equifax New Zealand as the credit reporting body or bodies from whom we collect and to whom we disclose credit information from time to time. They may be contacted as follows.
Credit Reporting Body
Credit Information Policy
Equifax and Equifax NZ
Illion (formerly Dun & Bradstreet)
You have the right to contact any of these credit reporting bodies and request that they do not use your information for marketing and related purposes. If you reasonably believe that you have been or are likely to be a victim of fraud, you may contact the credit reporting body and request that they do not use or disclose your information.
Please refer to our Consumer Data Right (CDR) Policy for information on your rights under the CDR legislation and how we deal with your CDR data.
We are committed to providing applicants, customers, and other parties whose personal information we hold, a fair and responsible system for the handling of their complaints.
If at any time you have any complaints in relation to privacy, please contact our Privacy Officer at one of the points referred to in this policy. We will seek to address any concerns that you have through our complaints handling processes and in most cases will respond within 30 days of receiving your complaint.
If we are unable to resolve your complaint to your satisfaction you may refer your concerns to the Australian Financial Complaints Authority (AFCA) or the Office of the Australian Information Commissioner (OAIC).
Level 16, 535 Bourke Street
Melbourne VIC 3000
03 8635 8888
03 8635 9999
How to contact the AFCA
How to contact the OAIC
Liberty Financial Pty Ltd ABN 55 077 248 983 | Credit provided by Secure Funding Pty Ltd ABN 25 081 982 872 | Australian Credit Licence 388133 | Both trading as Liberty Financial.