Stellar
Finance Privacy Policy
At Stellar Finance your privacy is important to us. This privacy policy
explains how we collect personal information and how we maintain, use and
disclose that information. It also provides some detail about your privacy
rights along with our general rights and obligations and our policy in relation
to the personal information we keep on record.
This privacy policy explains how we collect personal information and how
we maintain, use and disclose that information. It also provides some detail
about your privacy rights along with our general rights and obligations
and our policy in relation to the personal information we keep on record.
When you apply for a new product or service, the application form includes
notices about privacy and requests for consent. Those privacy notices (called
privacy statements) specify in more detail how any information about you
may be used and disclosed in relation to the particular product or service.
When you apply for or use one of our products or services, you consent to
us collecting, maintaining, using and disclosing personal information about
you and provided by you or by another person in accordance with the privacy
statement in the application form and this policy.
This privacy policy does not apply to parties that may be linked or associated
with our website. Those website owners are responsible for the privacy of
the information they collect and should be contacted directly for details
of their privacy policies.
What information does Stellar Finance hold?
The types of information we keep on record will depend on the type of product
or service requested by you.
Generally, we keep a record of one or more of the following types of information
about you:
- information that identifies you, such as your name and address and
other information provided by you and people nominated by you;
- if you apply for a loan or credit card or guarantee another persons
loan, credit information about you and property reports about any property
which secures your obligations to us;
- if you apply for insurance, information about what is being insured
(including health information about you, your income and occupation
if you are requesting life, health or accident insurance), information
about your beneficiaries and information about property owned by you
if you are requesting some type of property insurance;
- account transaction information including credits and debits or claims
information for insurance products.
All information sought is required for our business purposes, which are
detailed generally in this privacy policy and more specifically in our application
forms or on the web pages which allow you to contact us.
We do not actively seek to collect sensitive information (for example health
information or information about your racial or ethnic origin or any criminal
record), unless it is necessary for our business purposes. If we do have
to collect sensitive information, we will do so in accordance with the National
Privacy Principles.
Sometimes we act as an agent for others when collecting information about
you, such as for our preferred insurance companies. We will tell you when
we do this.
During the course of our relationship with you, we may gather information
about you relating to all products and services that we or other members
of the Stellar Finance or our preferred suppliers provide to you. This information
is used to help us form views about how we can improve our relationship
with you.
How Stellar
Finance collects information from its website?
We collect and hold information about you when you:
- complete an online application or other type of form;
- provide us with your email address; or
- access and use our services through our website.
We also collect some statistical information about visitors, from our website
(for example, the number of visitors, pages viewed, types of transactions
conducted, time online and documents downloaded). Some of this statistical
information is collected by using cookies, but none of the statistical information
we collect allows us to identify a visitor. We use this information to evaluate
our website performance and continually improve our services.
Other than statistical information, we do not collect any information
about you through our website unless you provide the information to us.
How Stellar Finance generally collects your
information?
Generally, we only collect personal information about you from you, unless
it is not reasonable or practical for us to do so or you consent. For
example, you may authorise us to collect information from a third party,
like your employer to confirm your income details, or we may engage an
agent, such as a mortgage broker, to collect information on our behalf,
or you may be named as a referee or beneficiary in another application
for one of our products or services. We may also collect information about
you from other members of Stellar Finance or from publicly available sources
such as company registers or land title registries.
How may Stellar Finance use your personal
information?
We use your personal information to:
- respond to your request or help us process your application for our
products or services (including performing the identity check required
by the Financial Transaction Reports Act 1988, and a needs analysis in
relation to insurance, where necessary);
- effectively manage and administer all products and services we provide
to you including banking, treasury, financial planning and insurance products
and services (for example we may use your email address to communicate
with you about the services we provide to you);
- assess, process and investigate claims made under any insurance products
we provide to you; and
- ensure our internal business operations are running smoothly which may
include fulfilling legal requirements and conducting confidential systems
maintenance and testing.
When we request your information we may give more specific details about
the way we use your information.
What rights does Stellar Finance have to disclose
personal information?
Usually we must get your consent before we tell anyone about you, your accounts
or your credit information. You can give us your consent expressly or it
may be implied by your conduct.
Sometimes the law requires us to give out information about you. For example,
we must tell the Australian Tax Office how much interest we pay you. Another
example is giving your account details to a court if we are ordered to do
so under a subpoena.
Depending on the product or service that we provide to you, if it is necessary
we may also disclose your personal information to:
- our external service providers (which may be located overseas) that provide
services to us. This is on a confidential basis and may include for example
organisations that provide card authorisation, clearing and settlement services
(such as Visa or Mastercard), our lenders’ mortgage insurer, claims
investigators, mailing houses, property valuers, surveyors, auctioneers
and real estate agents. These organisations are limited in their use of
your information to the purposes of our business only;
- other persons who have an interest in any property offered to Stellar
Finance as security;
- any party acquiring an interest in any business or your credit or loan
account and any related securities provided by you or any other person;
- government agencies in connection with your loan, such as for stamping
and registration of mortgages;
- any organisation which you request us to or any persons acting on your
behalf, including your financial adviser, broker, solicitor, or accountant
- unless you tell us not to, referees, any person with whom you transact
(for example merchants, to process your transactions) or any financial
institution nominated by you (for example in a direct debit);
- any referees, any person with whom you transact (for example merchants,
to process your transactions) or any financial institution nominated by
you (for example in direct debit).
We will not disclose your health information or information about your medical
history unless you tell us to.
We may at other times give you more details about our disclosure practices
in relation to specific products or services - for example on the forms
we use to collect personal information about you.
How may the Stellar Finance use your personal
information?
Your personal information may also be used by us or other members of the
Stellar Finance to help assess your total relationship and product holding
within the Stellar Finance, analyse products and services, evaluate the
needs of our customers and develop new products.
Unless you inform us or have previously told us not to, we may also provide
access to your personal information to members of Stellar Finance to inform
you of products and services offered by any member of Stellar Finance or
preferred organisations which we think may be of interest or value to you.
Your health information or information about your medical history will not
be disclosed to other members of Stellar Finance for this purpose.
How Stellar Finance protects the security
of your information?
We take all reasonable steps to protect your personal information from misuse,
loss, unauthorised access, modification or disclosure.
We provide the maximum level of security when you use our online products
and services.
We have physical, electronic and procedural safeguards to protect your
information which is held by us. For example, your personal information
is stored in secured office premises, in electronic databases requiring
logins and passwords for access. Access to information stored electronically
is restricted to staff whose job purpose requires access. We require all
staff to maintain the confidentiality of customer information.
Any visitor, for any purpose, to any part of our premises in which customer
personal information is kept is required to register with a security desk
or be accompanied by a member of staff while in the premises.
We use secure methods to destroy or de-identify any personal information
as soon as the law permits, provided the information is no longer needed
by us for any purpose.
Changes to our Privacy Policy
We may amend this policy from time to time. Not all changes to our privacy
policy will require your consent, for example where office security procedures
are changed. We will notify you of any change to our information handling
policy that requires your consent before being implemented.
What are your
rights?
You need not give us any of the personal information about you or any
other person which may be requested in our communications with you. However,
without that information, we may not be able to process an application,
fulfil your request or provide you with an appropriate level of service.
Information about our Products and Services
If you do not want the benefit of receiving information, special offers
or exclusive opportunities about products and services (which may be supplied
by us or any member of Stellar Finance or preferred suppliers) which we
think may be of interest or value to you, then please tell us. You can
do this at any time by writing to us or telephoning us at the contact
details listed on our contact us page or, if you are an Internet banking
customer, contacting us by email when you are using that service.
Access to your information
You can request access at any time to personal information we hold about
you. We will process your request within a reasonable time, usually 14 days
for a straightforward request. More time may be needed, depending on the
nature of the request.
There is no fee for requesting access to your information, however we may
charge you the reasonable cost of processing your request.
Sometimes we are not required to provide you with access - for example,
if the law says we can deny access. If we refuse you access to your personal
information, we will tell you the reason why. If we are not required to
provide you with access to the information requested, we will consider,
if reasonable, whether the use of a mutually agreed intermediary would
allow sufficient access to meet your needs and ours.
Correction of information
We try to ensure that all information we hold about you which we collect,
use or disclose is accurate, complete and up to date. You must promptly
notify us if there are any changes to your personal information.
You may ask us at any time to correct personal information held by us about
you, which you believe is incorrect or out of date. We will deal with your
request within a reasonable time.
If we disagree as to the accuracy of the information, you may request that
we attach a statement to that information noting that you consider it is
not accurate, complete or up to date.
If there is anything you would like to discuss, please contact us
In this policy, reference to "we/us" means each member of Stellar
Finance. Members of Stellar Finance include companies that are related or
owned by Stellar Finance. Members of Stellar Finance may change from time
to time. If you have any questions, concerns or complaints about our privacy
policy or practices or would like more information about particular members’
privacy policies or practices, please contact us.
Stellar Finance
1300 88 99 18
enquiries@stellarfinance.com.au
We will try to answer any questions you may have, correct any error on
our part or resolve any complaint that you may have about our information
handling practices.
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