We collect personal information to identify you and gain an overall picture of your personal circumstances which include but not limited to contact details, marital status, living arrangements, financial details and objectives.
We may also collect sensitive information for specific purposes. For example, information about your health to enable the credit provider to assess an application you make for mortgage protection insurance and calculate any premiums. If we need this type of information, we will ask for your consent. Sensitive information is a subset of personal information.
Our aim is to collect personal information directly from you. Certain personal information is required by external and third-party organisations which we may need to contact on your behalf such as for the purpose of obtaining credit reports etc. On such occasions, you will be notified by us of the requirement.
We collect, use, hold and exchange your personal information so that we can maintain a customer relationship with you, submit your application for credit, (unless you tell us not to) provide marketing material about our / supplier products and services, internal reporting, comply with regulatory obligations, and any other reasonable reason to improve the overall experience to our customers.
Direct marketing – we may use the information we collect from you to provide information about our products and services we think will be of interest to you. We may also send you details of offers or services provided by our suppliers and affiliates and related entities. This direct marketing is designed to provide a benefit to you.
You may choose at any time to stop receiving direct marketing communication by writing to us via email at firstname.lastname@example.org. Please allow 7 business days to complete the request.
To provide you with the very best products and services, occasionally, we may partner with another organisation to support the products and services we offer (for example, credit cards). In these situations , we will need to provide our partners with the personal information you have given us.
By law we may also be required to disclose your personal information to various legal authorities. For instance, we may be required under the Anti-Money Laundering and Counter-Terrorism Financing Act to disclose details of financial transactions and we may also be compelled under tax laws to provide such information to regulators.
Other organisations which we may exchange your personal information with may include:
- Credit providers;
- Credit reporting bodies;
- Government and law enforcement agencies;
- Our suppliers, affiliates, associates, service providers or contractors (including, for example, call centre, stationery printing houses, mail houses, information technology, marketing agencies, and marketing research companies etc);
- Any person who proposes to guarantee or has guaranteed repayment of any credit provided to you;
- Mortgage insurers, brokers, originators and/or managers, financial consultants, accountants, lawyers or real estate agents;
- Those in connection with funding financial accommodation by means of an arrangement involving securitisation;
- Third parties to enable them to contact you to offer their products and services or to determine if you would be interested in the products and services; and
- Any person considering acquiring or taking an interest in our business.
This helps us to provide the products and services you would expect from Tridas Projects. Before we disclose any of your personal information to any other organisation, we will take reasonable steps to ensure that:
- The organisation is aligned with our commitment to the protection your personal information; AND
- You have provided the necessary consent.
The accuracy and update of any details relating to you must be provided to us at your immediate convenience by emailing email@example.com. This can be pivotal in any attempt to obtain an approval of a loan application and failure to do so by you will remain your sole responsibility of any potential application outcome. Depending on the nature of the updated information we may request that you contact the organisation that has stored the personal information.
Legally we are required to retain information about you, even post your tenure with Tridas Projects. We may also hold certain information about you if it is needed for a purpose which you are aware of or reasonably expect us to hold the information. When your information is no longer needed or required to be held by law, it will be destroyed or de-identified for archiving.
We endeavour to ensure that your details are securely protected from misuse, interference and loss, and unauthorised access, modification or disclosure.
Our website uses security encryption to enhance your privacy when using the website.
Cookies are data files that are downloaded from our web servers, and stored on your hard drive. A cookie is a string of letters and numbers that uniquely identify the computer you are using and the customer number and access code you may have used to register at the site. Cookies are used on Tridas Projects website. We may track a visitor’s journey through our site. This allows us to see at a glance which pages and information is of most interest to visitors. This type of cookie contains no personal information at all; simply a record of your journey through the site. Most browsers can be configured to refuse to accept cookies. You can also delete cookies from your hard drive. However, doing so may hinder your access to valuable areas of information within our site.
We value your feedback. If you have a complaint, we look on it as valuable feedback that may help us to improve the services we offer and to ensure your needs are met in a satisfactory and appropriate manner. If you wish to complain, at any time, about the handling, use or disclosure of your personal information, compliance with the Australian Privacy Principles, just write to us at firstname.lastname@example.org. If the matter is not resolved to your satisfaction you can refer the complaint to the Office of Australian Information Commissioner (OAIC) www.oaic.gov.au.