We are bound by the National Privacy Principles of the Privacy Act 1988 (Cth) and are committed to protecting personal information we may hold at any time, in accordance with those Principles.
For these purposes, "personal information" is information about an individual who is either identified in the information or their identity can be ascertainable from it. It includes information and opinions obtained from the individual themself or from a third party. For credit applicants and guarantors who are individuals, it includes anything about credit worthiness, standing, history and capacity to repay which may lawfully be exchanged under the Privacy Act.
The National Privacy Principles started on 21 December 2001 but some of them apply to personal information collected before that date. Accordingly, we deal with personal information, which was collected before 21 December 2001, as follows:
We do not ordinarily collect any information about you except where you provide it to us, or it is provided to us with your consent. In general, we do not use or disclose personal information collected about you other than for:
We may collect and use personal information that you or others give us in connection with a facility to:
We may be required by law to collect information to identify and verify you – for example, before you can open an account with us. Accordingly, without your information, we may not be able to provide a facility to you.
In certain circumstances, we may also collect personal information about you which is sensitive. Sensitive information may include information about your health or membership of professional or trade associations. Unless we are required or permitted by law to collect sensitive information, we will obtain your consent before we collect it. However, if the sensitive information relates directly to your ability to meet a financial obligation to us, you are treated as having consented to us collecting it.
We may disclose personal information about you, as appropriate, to:
We may also disclose your personal information to an overseas organisation even if it is not subject to privacy obligations equivalent to those applying to us.
If we are assessing an application for credit (such as a home loan, personal loan or credit card application), administering a credit facility or assessing whether to accept you as a guarantor, we may collect personal information about you from, and/or disclose it to,
If lenders' mortgage insurance is taken out in connection with your loan or a loan you guarantee, QBE Lenders' Mortgage Insurance Ltd will collect and use your personal information:
You agree that QBE may obtain information about you from a credit reporting agency for these purposes. QBE may disclose your personal information (except consumer credit information) to us, our assignees, credit reporting agencies, regulatory bodies, payment system operators, QBE related companies (including those overseas), reinsurers and service providers. Consumer credit information will only be disclosed where permitted by law. Insurance laws require the collection of your information and, without it, QBE may not issue the insurance and you may not be given the loan. You can access your information that QBE holds by calling 1300 367 764.
If you apply for insurance with St Andrew's Insurance (Australia) Pty Ltd, your information will be collected and disclosed to St Andrew's in order to assess and process your application. Without collecting your information, they may not be able to provide the insurance. You can access the information St Andrew's holds about you by calling 1300 363 159. Bankwest may receive details of any insurance arising from referrals made to St Andrew's.
If at any time you wish to know what personal information we are holding about you, you are welcome to apply for your details by calling 13 17 19. We will give you access to that information unless the National Privacy Principles allow us to refuse access. Generally, this may happen where:
We charge a fee for giving you access to your personal information and will try to deal with your request within a reasonable time.
We take reasonable steps to ensure that your personal information is accurate, complete and up-to-date. If you believe that personal information that we hold about you is inaccurate, incomplete or out of date, please call 13 17 19 or go into any Bankwest store and we will take all reasonable steps to correct the information.
We maintain strict procedures and standards and take all reasonable steps to prevent unauthorised access to, or unauthorised modification or disclosure of, your personal information and to protect it from misuse or loss.
If we no longer need your information, we destroy or de-identify it.
We adhere to the Direct Marketing Code of Conduct produced by the Australian Direct Marketing Association.
We use your personal details, including any email address you give us, to provide you with information, and to tell you about products and services (including third party products and services) which we consider may be of interest to you. We may do this:
We also provide your details to other organisations (including our related companies) but only for specific marketing purposes. You consent to these actions unless you ‘opt out’ of marketing (see the following paragraph).
If at any time you do not wish to receive further marketing information, you may ask us not to send you any further information about products and services and not to disclose your information to other organisations for that purpose. You may do this by calling 13 17 19, or in the case of email marketing material, you may use an “unsubscribe” facility included in the email to ask us not to send further marketing emails.
We do not use your tax file number, Medicare number, pension number or any other government identifier as your account, policy or application number. We only use and disclose these numbers for the purposes required by law.
If you believe that the privacy of your personal information has been compromised or is not being adequately protected, you should contact us by calling 13 17 19. We will make every effort to resolve your complaint internally.
If we do not resolve your complaint to your satisfaction, you may apply to the Federal Privacy Commissioner to have your complaint investigated. For more information about how to do this, please contact the Commissioner's hotline service on 1300 363 992.
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