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The Privacy Act allows South West Slopes Credit Union Ltd ( 'we',,'us',,'our') ACN 087 650 673 to use and disclose personal information we collect about you for the primary purpose for which it was collected and for related secondary purposes that you would reasonably expect. In connection with providing credit to you, personal information may include credit information, such as:
Before, during or after the provision of our products and services to you, we may collect your personal information for the purpose of providing products and services to you and managing our business. When providing credit to you, this may include assessing your application for consumer or commercial credit or to be a guarantor, assessing your credit worthiness, managing your loan or the arrangements under which your loan is funded or collecting overdue payments.
Some laws require us to obtain personal information about you before we provide you with particular products or services or process particular transactions in which you are involved - eg laws relating to anti-money laundering and counter-terrorism financing, consumer credit, taxation and real property transactions.
If you do no provide us with the personal information that we request, we may not be able to consider your application for credit or provide other products and services.
For the purpose of providing products and services to you and managing our business, we may give your personal information to:
In addition, in connection with providing credit to you, we and the Credit Providers mentioned below may:
Credit Providers can mean:
We will not disclose your personal information to overseas recipients.
"Credit pre-screening" is a service for credit providers wishing to send direct marketing material about credit services. A credit reporting body uses information it holds to screen out individuals who do not meet criteria set by the credit provider. Credit reporting bodies must maintain a confidential list of individuals who have opted out of their information being used in pre-screening. To opt‑out of credit pre-screening, contact the credit reporting body, using the contact details on their websites, referred to above.
You can also ask a credit reporting body not to use or disclose your personal information for a period if you believe on reasonable grounds that you have been or are likely to be a victim of fraud, including identity fraud.
Lenders' mortgage and trade insurers
In connection with providing credit to you, a lenders' mortgage insurer or a registered trade insurer may obtain credit information about you from a Credit Provider or from a credit reporting body to assess whether to provide lenders' mortgage insurance to us in relation to an application for consumer credit, or whether to provide trade insurance to us in relation to an application for commercial credit.
In connection with providing credit to you, the Credit Providers may give a guarantor, or a person considering becoming a guarantor, credit information about you to enable the guarantor to decide whether to act as a guarantor or to keep the guarantor informed about your repayment of the credit secured by the guarantee.
Under the Anti-Money Laundering and Counter-Terrorism Financing Act, we can disclose your name, residential address and date of birth to a credit reporting body. The purpose of this disclosure is to ask the credit reporting body to assess whether the personal information disclosed matches (in whole or part) personal information about you held in their records (if any). This electronic verification process helps us to verify your identity.
The credit reporting body may prepare and provide us with an assessment by using the personal information about you and the names, residential address and dates of birth contained in its records about other individuals.
If you do not consent to us verifying your identity by electronic verification, we will provide you with an alternate verification process to identify you. If this is the case, please contact us on 02 6384 1111 for further information.
We take all reasonable steps to ensure that all your personal information held by us (on our website or otherwise), is protected from misuse, interference and loss, and from unauthorised access, disclosure or modification.
We may use information about you to inform you about products and services, including those of third parties, (unless you ask us not to). We may do so even if you are on the Do Not Call Register, unless you ask us not to.
The Consumer Data Right gives you the right to:
We have a policy about our management of CDR Data. It is available through our website. You can also get an electronic or hard copy from us on request.
Our Privacy Officer's contact details are:
Address: 89 Boorowa Street, YOUNG, NSW 2594
Telephone: 02 6384 1111