Our dedication to safeguarding your personal information is unwavering. We adhere to the guidelines outlined in the Privacy Act and the Australian Privacy Principles, ensuring that your personal information is handled with care and responsibility.

This overview elucidates our procedures for collecting, utilising, safeguarding, and divulging your personal information.

Collection and Storage of Personal Information:

We gather and retain personal data to facilitate the provision of credit advice, products, and services to you. We typically seek your consent before acquiring your personal information, ensuring that we only gather what is necessary to deliver our offerings. This information is often obtained directly from you through data collection processes or product applications. Additionally, in certain instances, we may collect pertinent health and medical data.

Some personal information may be gathered automatically as you navigate and engage with the content on our websites and social media platforms, or through your device or computer, such as through cookies.

While you have the right to withhold personal information, including details about your identity, doing so may affect the quality and suitability of the advice and services we provide. Moreover, legal obligations may require us to verify and obtain details from photographic and non-photographic identification documents. We reserve the right to decline services or advice if we believe we do not have sufficient information.

Protection of Your Personal Information:

We employ reasonable precautions to safeguard your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. Information collected may be stored electronically using Customer Relationship Management and Lending software or secure servers. Paper files are securely maintained in office premises. Our robust security measures include a range of practices and policies designed to create a secure environment.

Personal information collected may also be used for direct marketing purposes to promote relevant events, products, or services. If you prefer not to receive direct marketing, please contact us.

When personal information is no longer needed, we take steps to either de-identify it or securely destroy it.

Sharing Your Personal Information:

We may share your personal information with various entities, including Centrepoint Alliance related companies, credit product providers, lending platform software providers, external service providers such as technology service providers, para-lending and administration services, as well as professionals like accountants, financial advisers, solicitors, and others you designate.

Additionally, we may disclose personal information to other individuals and companies as necessary to provide you with products and services or for our business operations. In certain circumstances, we may be legally obligated to disclose your personal information to regulators, government agencies, or law enforcement agencies.

Overseas Disclosure of Personal Information:

We may disclose your personal information to service providers operating outside Australia, including but not limited to the Philippines, Vietnam, Malaysia, China, India, and potentially other countries in South East Asia. Such disclosure aims to facilitate service provision, including the preparation of loan compliance and application documents.

We may engage in outsourcing arrangements in countries not listed above. If so, we will inform you separately of these arrangements. We take all reasonable steps to ensure that offshore service providers comply with the Privacy Act.

Accessing and Correcting Personal Information:

You have the right to request access to the personal information we hold. Depending on the nature of your request and whether the information is in physical or electronic format, a reasonable fee may apply.

You may also request corrections to be made to your personal information. Please reach out to us for further details. There may be circumstances where we decline to correct or provide the requested information. In such cases, we will provide an explanation.

Making a Complaint:

We have formal processes in place to address any concerns regarding the handling of your personal information. We commit to responding to complaints within 45 days. If you remain dissatisfied with our response, you have the option to lodge a complaint with an independent complaints handling entity, such as the Office of the Australian Information Commissioner or the Australian Financial Complaints Authority for issues concerning financial advice, investments, or mortgage broking.

Centrepoint Alliance Privacy Officer
If you have any privacy-related questions or would like further information on Centrepoint Alliance privacy and information handling practices, please contact the Centrepoint Alliance Privacy Officer.

Mail Level 13, Corporate Centre One, 2 Corporate Court, Bundall QLD 4217
Phone 1300 557 598
Email privacy@cpal.com.au
Website www.centrepointalliance.com.au

To view the full Centrepoint Alliance Limited Privacy Policy.