Privacy Policy
Two Broker Girls Pty Ltd | ACN: 669 288 402 is firmly committed to protecting the privacy and confidentiality of personal information. We take our obligations seriously to handle your personal information in accordance with the requirements of the Privacy Act 1988 where it applies. This Privacy Policy sets out details about how we collect, use and manage your personal information.
Collection and use of personal information
We collect personal information to enable us to provide our products and services to you and otherwise as set out in this Privacy Policy. In addition, if we are required to comply with certain legislation to provide you with the products and services you choose, then collection of certain personal information will be mandatory. If you do not want to or are unwilling to provide us with the information we need, we may be unable to provide services to you.
Personal information obtained and held
We only collect and hold personal information about you which is reasonably necessary for our functions and activities, which include, but are not limited to:
Providing you quality products and/or services and improving how we operate and provide those services.
Understanding your requirements and financial situation and providing credit assistance.
Assisting with residential, commercial, personal or asset finance applications.
Arranging finance and any related insurance where authorised and requested.
Maintaining your contact details.
Fulfilling our legal obligations under applicable laws and rules.
Examples of personal information collected and held relating to our customers or loan applicants include:
Name, date of birth, address, telephone number, email address or other contact details.
Information required to identify customers or loan applicants, which may include details or copies of passports, birth certificates, driver licences, utility bills or other documentary evidence.
Information relevant to the credit services requested, including assets, liabilities, income, expenses, employment, business information and supporting documents.
Property, security, loan purpose and proposed transaction details.
Company, trust, partnership, director, guarantor and beneficial ownership information for commercial applications.
Other details relevant to a finance application, such as family details or the number of dependants.
Credit information, including credit information contained in credit reports from Credit Reporting Bodies.
Records of our interactions with you, including by telephone, email and online.
Your enquiries or complaints.
Information about other persons, such as a spouse, co-borrower or guarantor, where you confirm you are authorised to provide it.
Credit information is personal information that relates to credit that a person has applied for or has been provided. The credit information that we collect may include records of credit applied for, the name of the credit provider, the type and amount of credit, repayment history, default information, credit reporting information and information derived from a credit report.
We will collect, hold, disclose and use your personal and credit information to:
Assess and verify your identity and financial situation.
Provide credit assistance and assist with a credit application.
Provide information to a guarantor or related applicant where permitted.
Exchange your information with a credit reporting body where authorised.
Disclose your information to credit providers as set out in the applicable Credit Provider Schedule to arrange credit.
Disclose your information to Viking and other aggregation partners involved in application processing, compliance and commission administration.
Disclose your information to an insurer to arrange insurance you wish to obtain.
Disclose to, and collect information from, third parties such as your employer, accountant, landlord, real estate agent, lending institution, valuer and guarantor where reasonably necessary.
Refer you to other organisations, service providers or business partners, or obtain referrals from them, where authorised.
We may not be able to provide you with products or services without the ability to collect, hold, disclose and use the information reasonably required for those purposes.
Sensitive information
We will only collect sensitive information where it is reasonably necessary and consent or another lawful basis applies. Depending on the service, this may include citizenship or country of birth, biometric information used for identification, criminal history or health information relevant to a finance or insurance application. Delete any category that does not reflect the business’s actual practices.
How personal information is collected, used and disclosed
If you are a customer seeking finance or insurance, we will generally collect personal information directly from you or from our brokers or Credit Representatives. We may also collect personal information from other persons, organisations and public sources where permitted, including:
Credit reporting bodies and providers of consumer or commercial credit information.
Employers, accountants, landlords, real estate agents and other sources identified in an application.
Service providers that assist with identification, application processing and document collection.
Joint applicants, co-applicants and guarantors.
Referrers, credit providers, insurance product providers and aggregation partners.
Our agents, contractors and external advisers.
Government authorities responding to lawful information requests.
Related bodies corporate and approved business partners.
Mortgage insurers, valuers, surveyors and parties involved in registering or managing security.
Public registers, websites and social media where relevant and lawful.
Cookies
We may use “cookies”. A cookie allows our servers to identify and interact more effectively with you and your device. The cookie assists us in maintaining the continuity of your browsing session and remembering your details and preferences when you return.
Our systems may record software versions, device identifiers such as IP addresses, location data where available, dates, times, referring websites, data entered and user activity such as links clicked.
Third parties may also use cookies or similar technologies for surveys, behavioural advertising, website analytics, call tracking or campaign management.
How we hold personal information
We use security procedures and technology to protect the personal information that we hold. We store personal information in electronic systems and devices. Access to and use of this information is appropriately limited to protect it from misuse or unlawful disclosure..
How you can access and seek correction of your information
You can contact us to request access to the personal information that we hold about you. Subject to the Privacy Act and Australian Privacy Principles where applicable, we will generally give you access to your personal information. There may be exclusions that permit us not to provide access in some circumstances. If access is denied, we will provide the reason unless it would be unreasonable to do so. We may charge a reasonable fee for providing access.
You can also contact us to request that we correct personal information that we hold about you. If we are satisfied that the information is inaccurate, incomplete, irrelevant or misleading, we will take reasonable steps to correct it.
Disclosing your information overseas
Some parties with which we exchange personal information, including service providers and other third parties, may be located outside Australia
Marketing
We may use and disclose your personal information to inform you about other products and services that may be of interest to you where permitted. We respect your right to ask us not to use your information for direct marketing. You may opt out by contacting us or using the unsubscribe facility in a commercial electronic message.
Changes to this Privacy Policy
We may update this Privacy Policy as our practices and legal obligations change. The current version will be posted on our website.
Contact Us
If you have any questions regarding our Privacy Policy or handling of information, contact:
Addressee: The Privacy Officer
Entity: Viking Aggregation Pty Ltd
Address: Level 3, 12 Waterloo Road, Macquarie Park NSW 2113
Phone: 1800 861 004
Email: privacy@vikingmoney.com.au