Privacy Policy

About this statement

Huthnance Investments Pty Ltd ATF The Huthnance Family Trust T/A Zayer Finance, Australian Credit Licensee ACL 540378, is committed to respecting the privacy of your personal information.

This policy statement explains how we collect, store, use and disclose personal information (including credit information and credit eligibility information) and what steps we take to comply with privacy laws.

In this Policy, we use the terms "us", "we" and "our" to refer to Huthnance Investments Pty Ltd ATF The Huthnance Family Trust T/A Zayer Finance.

We are bound by the Privacy Act 1988 (Cth), including Division 3 of Part IIIA and the Australian Privacy Principles, as well as the Credit Reporting Privacy Code (CR Code). We are committed to protecting personal information (including credit information and credit eligibility information) we may hold at any time in respect of any individual.

Those principles do not apply to certain records and practices relating to the employment relationship between us and our employees. In addition, certain disclosures of personal information between related bodies corporate do not have the same protection as disclosures to other persons.

We may, in connection with particular services we offer or provide to you, make other privacy disclosures or seek your authority to use your personal information in ways that differ from or are more specific than those stated in this Privacy Policy. In the event of any inconsistency, the specific disclosures will prevail.

It is important that you read and understand this Privacy Policy.

What is "personal information"?

"Personal information" is information or an opinion about a reasonably identifiable individual. The types of personal information we collect may include: name, address, contact details, date of birth, financial details such as income, savings and expenses, information from other financial institutions, employment details and information relevant to the product or service you are enquiring about or applying for.

We may also collect information regarding your internet activity (including your location) when you use our website or online services.

Sensitive information

"Sensitive information" includes information about your health. We may be required to collect sensitive health information in certain circumstances, for example if you apply for financial hardship assistance related to illness or injury. We treat such information with the highest level of security and confidentiality.

What is "credit eligibility information"?

"Credit eligibility information" is personal information obtained from a credit reporting body (CRB), such as a credit report, or information derived from it, relating to your consumer credit worthiness.

This may include:

• Information to assess your suitability for credit
• Details of your credit history with other providers
• The likelihood of you being able to meet your commitments to us

What is "credit information"?

"Credit information" includes:

• Identification details
• Current or past consumer credit accounts, including repayment history
• Information about credit applications
• Information from a CRB
• Overdue payments
• Corrected overdue payments
• New payment arrangements
• Court judgments
• Insolvency listings
• Publicly available credit worthiness information
• Opinions of serious credit infringements

We may hold this information about applicants, guarantors or related persons.

Why do we collect personal information?

We only collect, hold and use personal information that is necessary to:

• Establish and administer your products
• Assess applications
• Provide services
• Perform administrative functions
• Conduct customer satisfaction research
• Improve and develop products
• Tell you about our products and those we distribute for other organisations

You may opt out of marketing at any time.

We may also collect your information to comply with laws such as the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and the National Consumer Credit Protection Act 2009 (Cth).

How do we collect personal information?

We usually collect personal information directly from you or someone acting with your authority, including through applications, forms, phone calls, emails, meetings and transactions.

We may also collect personal information (including credit information) from third parties such as other credit providers, financial institutions, your advisers, insurers, government agencies, brokers, referrers, and CRBs.

We may collect sensitive health information from third parties when required, such as medical practitioners.

We also use cookies and may record calls for training and record-keeping. When communicating by email, we may use technology to confirm when emails are opened or links clicked.

We may receive unsolicited information about you from third parties. We will only keep it if permitted by law.

How do we store and protect personal information?

We store personal information:

• Electronically
• In telephone recordings
• In paper files
• With off-site document retention services, including third party storage providers

Why do we exchange personal information with third parties?

We may disclose personal information to organisations involved in:

• Assessing your applications
• Providing credit or related services
• Regulatory and government oversight
• Courts and dispute resolution schemes
• Brokers, referrers and other intermediaries
• Credit and debt agencies
• Insurers
• Mailing houses, data processors and IT providers
• Accountants, auditors, valuers and lawyers
• Debt collection
• Securitisation arrangements

We may also disclose information where you consent or where required by law.

Information provided will be limited to what is reasonably required.

Credit Reporting Bodies (CRBs)

If you apply for credit or act as a guarantor, we may exchange information with CRBs.

CRBs may use this information to provide credit reports or assist with pre-screening for direct marketing. You may request that CRBs:

• Do not use your information for pre-screening
• Do not use or disclose your information if you believe you are a victim of fraud

Marketing

We may use your personal information to let you know about products and services you may be interested in.

You can opt out at any time by contacting us on 0461 434 851.

Accessing and correcting personal information

You may request access to or correction of your personal information at any time by contacting our Privacy Officer:

We may refuse access in certain circumstances, such as where it would breach another person's privacy, reveal commercially sensitive information, or where prohibited by law. We may charge a fee for providing access.

If information is incorrect, we will take reasonable steps to correct it. If we refuse, you may request that we attach a statement noting your disagreement.

Lodging complaints

We are committed to resolving complaints. You may lodge a complaint:

• In person
• By phone
• In writing
• Via email
• Via our website

Contacting us

If you have questions or concerns about how we manage your personal information, please contact: