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Privacy Policy

General

Link Capital Holdings Pty Ltd (ABN 21 148 811 456) and its related bodies corporate (we, us or our) are committed to protecting the privacy of your personal information in accordance with the Privacy Act 1988 (Cth) including the Australian Privacy Principles (APPs).

This policy is intended to provide a general overview of our policies for the handling of your personal information. “Personal information” is essentially information or an opinion about an identified or reasonably identifiable individual.

By using our website at linkcap.com.au (Website) and/or providing your personal information to us you consent to us handling your personal information in accordance with this Privacy Policy.

Other policies may apply instead of or in addition to this Privacy Policy in certain circumstances. For example, when we collect personal information from you, we may advise a specific purpose for collecting that personal information, in which case we will handle your personal information in accordance with that purpose.

This Privacy Policy is intended to cover most personal information handled by us, but is not exhaustive. If you have any queries about our handling of your personal information, please contact us for further information using the details below.

No general exemptions under the Act apply to us, or to any of our acts or practices

Collection of your personal information

We may collect personal information about you in the course of your dealings with us (for example, if you submit an online enquiry or a loan application form to us).

Where we collect credit information or credit data about you, our separate Credit Reporting Policy will also apply.

The kinds of personal information we collect and hold will depend on your dealings with us. Personal information we may collect includes your name, address, contact details (such as telephone number and email address) and business details (ABN, business name and your position within your business or organisation, if applicable). If you submit a loan application to us, we may request a range of personal information relevant to that application. We may collect personal information of other individuals as well such as referrers, guarantors, and other persons relevant to a loan application such as other directors. Our Credit Reporting Policy contains more information regarding the kinds of personal information we may collect in such circumstances.

We may also collect other personal and sensitive information from you (for example, if you are applying for employment with us then the personal information we collect may include your resume, qualifications, skills, education provider and history, work history and residency status).

We will only collect information that is necessary for our business functions. We collect your personal information directly from you, unless it is impracticable or unreasonable to do so. From time to time we may collect personal information about you from third parties (for example, our agents or contractors) or publicly-available resources.

If you provide us with personal information about a third party, you represent, and we collect it on the basis that, you have that person’s consent for us to collect and handle their personal information in accordance with this privacy policy.

When collecting your personal information, we will take reasonable steps to make you aware of the purposes for which we are collecting it, the types of organisations to which we would usually disclose it, whether we are likely to disclose it to overseas recipients (and where practicable the countries in which they are located), whether there are laws or court/tribunal orders which require or authorise us to collect it, and the main consequences for you if you fail to provide it to us. This Privacy Policy provides these details as they typically apply in most cases, however different details may apply depending on our specific interaction with you. If we do not notify you of such other details, the information in this Privacy Policy applies.

If we are unable to collect the personal information we require, or the information provided is incorrect or incomplete, this may affect our ability to provide our products or services to you.

Purposes for which personal information is collected, held, used and disclosed

We will generally only use or disclose your personal information for the purpose for which we collected it, and for other related purposes we consider would be within your reasonable expectations.

Generally, we may use your personal information for purposes that include:

  • assessing a loan application you have submitted;
  • communicating with you (including handling or responding to your requests and responding to your enquiries);
  • providing you with our products and services including (financial products and services);
  • providing you with marketing information or special offers for our products and services;
  • obtaining your feedback on your customer experience;
  • improving our services;
  • conducting market research;
  • conducting marketing and other promotional activities; and
  • for our general business operations (for example, maintenance of our business records, compliance with our legal and insurance obligations and statistical purposes).

By providing us with your personal information, you consent to us using your personal information for direct marketing purposes. You agree that we may send you such information by post or by electronic means (including e-mail and SMS). You can opt-out of marketing and promotional communications at any time using an opt-out mechanism in one of our communications, or by contacting us via the details linked below.

We may disclose your personal information to our agents and/or contractors for the purposes set out above.

Apart from the above instances, we may also use and disclose your personal information with your consent and as otherwise required or permitted by law.

Sensitive Information

We do not generally collect “sensitive information” as described in the Privacy Act. If we do collect sensitive information about you (which may include your race, ethnic origin, political opinions, religious or philosophical beliefs, trade union memberships or details of health or disability), we will only do so with your consent and if the information is reasonably necessary for one of our functions or activities. We will assume you have consented to us collecting, using and disclosing (in accordance with this Privacy Policy) all information that you provide to us, including any sensitive information, unless you tell us otherwise at the time of collection.

Storage and security of your personal information

We may collect and hold your personal information in electronic or in hard copy forms. We take reasonable steps to securely store your personal information to ensure it is protected from unauthorised access, modification and disclosure, and from other types of misuse, interference and loss. We employ security protections appropriate for the form in which that information is held (eg, passwords linked with authorised user access and physical document security).

We will take reasonable steps to destroy or permanently de-identify your personal information when we no longer require it for any purpose for which it was collected. We may retain your personal information for as long as necessary to comply with any applicable law, for insurance and corporate governance purposes, for the prevention of fraud and to resolve disputes. Your personal information may also be retained in our information technology system back-up records.

The transfer of data over the Internet is inherently insecure. We cannot guarantee the security, during transmission, of any personal information provided to us via our website. Please bear this in mind when transmitting information by this means to us.

Access to and correction of personal information

You may request that we provide you with access to the personal information we hold about you using the contact details linked below. Generally, we will provide you with that access, except in limited circumstances where the law permits us to deny access. Any such requests must be made in writing to us. No fee will be incurred for requesting access, but if your request for access is accepted we will inform you of the fee (if any) that will be payable for providing access if you proceed with your request.

You may lodge a request to correct personal information that we hold about you if you believe it is inaccurate, incomplete, out-of-date, irrelevant or misleading, in which case please contact us using the contact details linked below.

Our website

Our website uses cookies. We do not use the information stored in those cookies to collect personal information about you. The cookies are used for statistical purposes and to assist with your use of the website. We may also collect click-stream data when you use the website, such as the date and time of your visit, the pages you accessed, your IP address, the type of browser and operating system you are using and the websites you come from and move to. This information is collected for statistical purposes to assist us to understand how our website is used and navigated by visitors and to improve the user experience.

Our website may contain links to third party websites. We are not responsible for the privacy, security or handling of your personal information via those websites. You should review the privacy policy and terms of use for those websites each time you visit them.

Overseas disclosure

Generally we will not disclose your personal information to overseas recipients, except with your consent or where we are required or authorised to do so by law.

Data breach

If a data breach or suspected data breach occurs, we will undertake a prompt investigation, which will include an assessment of whether the incident is likely to result in serious harm to any individuals. In such a situation we will comply with the requirements of the Act which may require notification to the Office of the Australian Information Commissioner (OAIC) and affected individuals. Please contact us if you have reason to believe or suspect that a data breach may have occurred, so that we can investigate and, if necessary, undertake appropriate containment, risk mitigation and notification activities as required.

Complaints

If you have a complaint about the way in which we handle your personal information, please contact us using the contact details linked below. We will confirm receipt of your complaint and set out the timeframe we require to investigate your complaint and provide you with a response, which generally will be within 14 days of receiving your complaint.

Your complaint will be considered and dealt with by our nominated representative, who may escalate the complaint internally within our organisation if the matter is serious or if necessary to resolve it.

Please allow us a reasonable time to respond to your compliant. If you are not satisfied with our resolution, you may make a complaint to the OAIC whose contact details can be found at: www.oaic.gov.au.

Changes to our Privacy Policy

We may amend or replace this Privacy Policy at any time. You may obtain a copy of the current version of this Privacy Policy by contacting us, or by accessing our website. You should review our Privacy Policy each time you visit our website or provide us with personal information.

Contact us

If you would like further information about the way we manage your personal information or if you have a complaint, please contact us.