Privacy Policy

Privacy Statement

We need to collect personal information about you to provide you with our broking & related

services. This privacy statement tells you how we collect your information, what we use the

information for and who we share the information with. If we collect information that can be

used to identify you, we will take reasonable steps to notify you of that collection.

How information is collected from you

We will collect your information from you directly whenever we can, like from enquiries we

make of you when you seek credit assistance from us. We may verify that information from

sources referred to in the responses to those enquiries or in this privacy statement.

How information is collected from other sources

Sometimes we will collect information about you from other sources as the Privacy Act 1988

permits. We will do this only if it’s reasonably necessary to do so, for example, where:

we collect information from third parties about a loan or lease in relation to which you seek our services;
we can’t get hold of you and we rely on public information (for example, from public. registers or social media) or made available by third parties to update your contact details;

we exchange information with your legal or financial advisers or other representatives.

When the law authorises or requires collection of information

Some law may require us to collect personal information about you. For example, we may

require your information to verify your identity under Australian Anti-Money Laundering law.

How your information may be used

We may use your information for purposes including:

giving you credit assistance;
giving you information about loan products or related services including help, guidance and advice;
considering whether you are eligible for a loan or lease or any related service you requested including identifying or verifying you or your authority to act on behalf of a customer
assisting you to prepare an application for a lease or a loan;
administering services we provide, for example, to answer requests or deal with complaints;
administering payments we receive, or any payments we make, relating to your loan or lease;
telling you about other products or services we make available and that may be of interest to you, unless you tell us not to;
identifying opportunities to improve our service to you and improving our service to you;
telling you about other suppliers, with whom we have arrangements, that supply goods or services that may be of interest to you;
allowing us to run our business efficiently and perform general administrative tasks;
preventing or investigating any fraud or crime or any suspected fraud or crime;
as required by law, regulation or codes binding us; and
any purpose to which you have consented.

You can let us know at any time if you no longer wish to receive direct marketing offers from us.

We will process your request as soon as practicable.

What happens if you don’t provide information

If you don’t provide your information to us, it may not be possible to:

assist in finding a loan or lease relevant to your circumstances;
verify your identity or protect against fraud; or
let you know about products or services that might be suitable for your financial needs.

Sharing Your Information

General

We may use and share your information with other organisations for any purpose described above.

Sharing with your representatives and referees

We may share your information with:

your representative or any person acting on your behalf (for example, lawyers, settlement

agents, accountants or real estate agents); and

your referees, like your employer, to confirm details about you.

Sharing with third parties

We may share your information with third parties in relation to services we provide to you or

goods or services in which we reasonably consider you may be interested. Those third parties

may include:

the Broker Group through whom we may submit loan or lease applications to lenders or

lessors on the Broker Group’s panel. You can view our Broker Group’s privacy notice at

http://www.choiceaggregationservices.com.au/privacy. It sets out how that Broker Group

manages your personal information and where you can find its privacy policy;

the Licensee, BLSSA Pty Ltd, that authorises us to engage in credit activities. You can

view BLSSA’s privacy notice at the same internet address as our Broker Group’s privacy

notice. It sets out how BLSSA manages your personal information and where you can find

its privacy policy;

referrers that referred your business to us;
financial services suppliers with whom we have arrangements;
valuers;
lenders, lessors, lender’s mortgage insurers and other loan or lease intermediaries;
organisations, like fraud reporting agencies, that may identify, investigate and/or prevent. fraud, suspected fraud, crimes, suspected crimes, or other misconduct;
government or regulatory bodies as required or authorised by law. In some instances, these bodies may share the information with relevant foreign authorities;
guarantors and prospective guarantors of your loan or lease;
service providers, agents, contractors and advisers that assist us to conduct our business

for purposes including, without limitation, storing or analysing information;

any organisation that wishes to take an interest in our business or assets; and
any third party to which you consent to us sharing your information.

Sharing outside of Australia

We may use overseas organisations to help conduct our business. As a result, we may need to

share some of your information (including credit information) with such organisations outside

Australia. The countries in which those organisations are located are:

We may store your information in cloud or other types of networked or electronic storage. As

electronic or networked storage can be accessed from various countries via an internet

connection, it’s not always practicable to know in which country your information may be held.

If your information is stored in this way, disclosures may occur in countries other than those

listed.

Overseas organisations may be required to disclose information we share with them under a

foreign law. In those instances, we will not be responsible for that disclosure.

You can find out more about how we manage your information by reading our Privacy Policy

available by contacting us. Please see our contact details above. Also, you can read and

obtain a copy of that policy at our website address set out at the start of the Credit Guide to

which this notice is attached.] Our Privacy Policy sets out how you can ask us to access and

seek to correct information we hold about you and how you may complain against us about a

privacy issue.

Information about other people

If you give information to us about another person (like your co-applicant) in relation to the

services we provide, you will let that other person know that:

we have collected their information to provide those services or for any other purpose set

out in this privacy notice;

we may exchange this information with other organisations set out in this privacy notice;
we handle their personal information in the way set out in our Privacy Policy and this

privacy notice and they can:

– access or request a copy of that privacy policy or this privacy notice; or

– access the information we hold about that other person,

by using our contact details above; and

we may not be able to provide those services to you unless we obtain their information

DISPUTES OR COMPLAINTS

WHAT TO DO IF YOU HAVE A DISPUTE OR COMPLAINT?

We are committed to providing our customers with the best possible service. If at any time we

have not met our obligations – or you have a complaint about any of our services – please inform

us so we can work towards a resolution. We will endeavour to deal with your complaint promptly,

thoroughly and fairly.

HOW TO MAKE A COMPLAINT AND THE COMPLAINTS PROCESS?

If you have a complaint, we request you follow these steps:

In the first instance, please contact your credit assistance provider.
If your complaint has not been resolved to your satisfaction within 5 business days,

please contact our Complaints Area as detailed below:

Telephone: 03 9320 1082 or 1800 763 486 (toll free) Monday to Friday 9am to 5pm

(AEST)

Email: resolutions@BLSSA.com.au

Mail: BLSSA Advice Complaints, Level 15, 360 Elizabeth Street, Melbourne VIC 3000

We may ask for additional information and request you to put your complaint in writing to

ensure your issue is properly investigated.

In cases where your complaint will take longer than 30 days to resolve, we will notify you

in writing.

If you are having difficulties managing your debts, you can seek free assistance from

the National Debt Helpline on 1800 007 007 or via the website ndh.org.au.

THIRD PARTY PRODUCTS OR SERVICES

If your complaint relates to a product or service acquired through a third party (for example, a

lender) we may ask you to contact the relevant third party. They will deal with your complaint

under their complaints resolution process.

If you are not satisfied with the resolution of your complaint by the third party under their

complaints resolution process, you are entitled to have your dispute considered by their External

Dispute Resolution Scheme. Please contact the third party for further details.

KEEPING YOU INFORMED

Our Complaints Area will acknowledge receipt of your complaint within one business day. If

unable to resolve the complaint/dispute to your satisfaction within five business days, they will

write to you advising the procedures we will follow in investigating and handling your complaint.

Within 30 calendar days from the date you lodged the complaint with us, we will write to you

advising you the outcome of the investigation and the reason/s for our decision, or if required, we

will inform you if more time is needed to complete the investigation.

STILL NOT SATISFIED?

If you do not think we have resolved your complaint to your satisfaction, you may take the matter

– free of charge – to the relevant External Disputes Resolution Scheme (provided it is within the

scheme’s terms of reference) as detailed below. You may also refer the matter to the relevant

External Disputes Resolution Scheme at any time, but if our internal process is still in progress,

they may request that our internal processes be complete before considering the matter further.

Our external dispute resolution service provider is the Australian Financial Complaints Authority

(AFCA), which can be contacted via:

Online: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678
Mail: GPO Box 3 Melbourne VIC 3001

BLSSA’s external dispute resolution service provider is the Australian Financial Complaints

Authority (AFCA), which can be contacted via:

Online: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678
Mail: GPO Box 3 Melbourne VIC 3001