Agility respects the privacy of the people we deal with and we uphold high standards of privacy practice and security. This policy explains how we handle personal information and how we interact with you online.
Whenever we handle personal information, we take steps to ensure that appropriate standards of privacy practice and security are applied, and that we comply with our legal obligations, including our obligations under the Privacy Act 1988 (Cth) in relation to the information.
The information we collect
For most products and services it is necessary for us to collect ‘personal information’ such as your name, identity details, photos, contact details, transaction information and other personal details where needed (such as gender, marital status and financial information).
Credit Applications Policy
The types of credit-related personal information (“credit-related information”) we collect may include:
This information may include information about your arrangements with other credit providers as well as with us.
We keep credit-related information in physical and electronic records, both at our own premises and with the assistance of our service providers.
We collect this information from you, your account activity and from third parties including public sources, our related companies, referrers, brokers, agents, your adviser(s) and our service providers including credit reporting bodies and information service providers.
Purposes for handling that information
We collect, hold, use and disclose credit-related information to assess and process an application by you for consumer or commercial credit; manage your credit and related funding arrangements; assess certain claims including hardship; assess an application by you to be a guarantor; review your credit on a periodic basis or in connection with changes (e.g. credit limit); collect overdue payments; create assessments and ratings of your credit worthiness; administer and manage our products and services including monitoring, auditing, and evaluating those products and services; model and test data; communicate with you; work with our service providers, credit managers, mortgage insurers, funders (including those providing securitisation services) and related companies; and deal with any complaints or enquiries. We may also use and disclose credit-related information in connection with acquisitions, mergers or changes in control of our business or assets.
We may from time to time also use credit-related information to inform you of investment opportunities or to provide information about products and services which we expect may be of interest to you. However, we do respect your right to ask us not to do this.
How you can access or correct your information
You can contact us as set out below to request access to or correction of your credit-related information. In normal circumstances we will give you full access or make the requested corrections to your information. However, there may be some legal or administrative reasons to deny these requests. If your request is denied, we will provide you with the reason why. Where we decide not to make a requested correction to your credit-related information and you disagree, you may ask us to make a note of your requested correction with the information.
Credit reporting bodies
We may exchange credit-related information with the following credit reporting bodies:
You can contact those credit reporting bodies or visit their websites to see their policies on the management of credit-related information, including details of how to access your credit-related information they hold. From 12 March 2014, you will also have the right to request credit reporting bodies not to:
Lender’s mortgage insurers (if applicable)
We may exchange credit-related and personal information with lender’s mortgage insurers (LMI’s) including:
Please contact Agility to obtain details of those companies. You can contact those companies or visit their websites to see their policies on the management of credit-related information, including details of how to access the information they hold. The LMIs may disclose your personal and credit information to overseas entities including related entities located in USA, Canada and the United Kingdom.
Generally, we do not collect sensitive information about you unless required by law or where you consent for us to do so (only where it is relevant to your product). Sensitive information includes information relating to:
We may collect information about your affiliation with certain organisations, such as professional associations.
Why we collect personal information
We collect personal information about you which is reasonably necessary to:
Without such information, we may not be able to process your application or provide you with an appropriate level of service.
How we collect your information
We collect personal information about you directly from you – this can be in person, in documents you give us, from telephone calls, emails, competitions you enter, your access to our website or from transactions you make.
We may also collect your personal information from third parties including public sources, your adviser(s), employer (or its affiliates), agents, referrers, brokers, our related companies and service providers (including credit reporting bodies and information service providers).
How we store your information
We keep personal information in physical and electronic records, at our premises and the premises of our service providers, which may include storage on the cloud. Where this occurs, we take steps to protect personal information against misuse or loss.
We also keep records of our interactions with you (including by telephone, email and online), your transaction history and your enquiries or complaints.
How we use your information
We use personal information about you for the purpose for which it was provided to us, including to:
While we may sometimes share personal information with companies we do business with (e.g. in product development, joint venture arrangements or distribution arrangements), we do not sell personal information for marketing purposes to other organisations or allow such companies to do this.
When your information is disclosed
We may share personal information, and may disclose personal information outside Agility:
We may also disclose your personal information (on a confidential basis) in connection with the undertaking of our principal investment activities including, but not limited to, acquisitions, mergers, divestments, and the management of any parts of our business or assets, and the provision of any debt to another party.
In some circumstances the parties to whom we disclose personal information may operate outside of Australia. Where this occurs, we take steps to protect personal information against misuse or loss.
Keeping information accurate and up to date
We take reasonable steps to ensure that all information we hold is as accurate as is possible. You are able to contact us at any time and ask for its correction if you feel the information we have about you is inaccurate or incomplete.
Keeping information secure
We use security procedures and technology to protect the information we hold. Access to and use of personal information within Agility seeks to prevent misuse or unlawful disclosure of the information – this includes internal policies, auditing, training and monitoring of staff.
If other organisations provide support services, we require them to appropriately safeguard the privacy of the information provided to them.
Where the personal information we collect is no longer required, we delete the information or permanently de-identify it in accordance with relevant laws and our records management policy.
How you can access or correct your information
You can contact us to request access to or correction of your personal information. In normal circumstances we will give you full access or make the requested corrections to your information. However, there may be some legal or administrative reasons to deny these requests. If your request is denied, we will provide you with the reason why (if we can). Where we decide not to make a requested correction to your personal information and you disagree, you may ask us to make a note of your requested correction with the information.
Dealing with Agility online
When you visit Agility websites you will browse anonymously unless you have logged into a client portal or accessed the website from a personalised communication from Agility.
Once you have logged into a Agility portal, accessed our website from an e-mail or other personalised communication sent to you, or provided us with personal information by completing a form online, we may be able to identify you and we may combine that with other information in order to provide you with a better online experience. If you would prefer not to be identified you can delete the cookies and reconfigure the cookie preferences on your internet browser (see below).
A 'cookie' is a packet of information placed on a user's computer by a website for record keeping purposes. While cookies are not considered personal information, they are generally used on Agility sites to:
You can configure your browser to accept all cookies, reject all cookies, or notify you when a cookie is sent.
If you have any questions regarding this policy or our handling of credit-related information, please direct your enquiry to firstname.lastname@example.org or contact us by phone. Please mark communications to the attention of our Privacy Officer. Where you contact us seeking resolution of your privacy concerns, we will respond to let you know who will be handling your matter and when you can expect a further response. If your concerns are not resolved to your satisfaction, you may have rights to escalate your complaint to an external dispute resolution scheme. We can provide further details of the appropriate scheme for you on request as these may vary by jurisdiction or product. You may also contact the Office of the Australian Information Commissioner as follows:
Phone: 1300 363 992
GPO Box 5218
Sydney NSW 2001
www.oaic.gov.au Health Information
We collect your health information where we offer you products with an insurance component or in assessing certain claims, including hardship. We do not use or share that information for any purpose other than the underwriting or administration of your policy, claim or account, or as otherwise notified to you at the time we collect your information.