Privacy Policy

Credit Information

With your authority, we may obtain consumer and commercial credit information from credit reporting bodies in order to assess finance options and provide credit assistance services.

Sensitive Information

We will only collect sensitive information where:

• You consent;

• It is reasonably necessary for our services; or

• It is otherwise permitted by law.

Sensitive information may include information regarding health, criminal history, professional memberships or other specially protected information.

Dealing With Us Anonymously

You may make general enquiries anonymously where it is lawful and practical to do so.

However, if you require credit assistance or wish to apply for finance, we will need to collect identifying information.

How We Use Your Personal Information

We collect and use personal information for purposes including:

• Providing credit assistance;

• Assessing lending options;

• Arranging loan and lease applications;

• Considering suitability of finance products;

• Verifying identity;

• Maintaining our relationship with you;

• Complying with legal and regulatory obligations; and

• Informing you of products and services that may be relevant to your needs.

You may opt out of marketing communications at any time.

Disclosure of Personal Information

To provide our services, we may disclose your information to:

• Purple Circle Financial Services Pty Ltd;

• Our staff and representatives;

• Specialist Financial Group;

• Banks, lenders and credit providers;

• Mortgage insurers;

• Credit reporting bodies;

• Lawyers, accountants and advisers;

• Real estate agents and settlement agents;

• Valuers;

• Referrers;

• Guarantors;

• Government and regulatory authorities;

• Service providers supporting our business; and

• Other parties where authorised by you or required by law.

We may also disclose personal information where required to comply with legal obligations including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.

Overseas Disclosure

Some service providers and technology platforms we use may store information overseas.

Where information is disclosed overseas, we will take reasonable steps to ensure the information is managed in accordance with Australian privacy requirements.

Keeping Information Accurate

We take reasonable steps to ensure personal information is accurate, complete and up to date.

Please let us know if any information held about you changes or is incorrect so we can update our records.

Protecting Your Information

We store personal information in both electronic and physical formats.

We take reasonable precautions to protect information from misuse, interference, loss, unauthorised access, modification or disclosure through:

• Secure systems;

• Access controls;

• Staff confidentiality obligations;

• Data storage policies; and

• Destruction of information when no longer required.

Website Privacy

Cookies

Our website may use cookies to improve functionality and user experience.

Cookies help us understand website usage patterns and improve our services.

You can disable cookies through your browser settings if preferred.

Third-Party Websites

Our website may contain links to external websites.

We are not responsible for the privacy practices or content of third-party websites and encourage you to review their privacy policies separately.

Accessing Your Personal Information

You may request access to personal information we hold about you.

Requests should be made in writing. We will respond within a reasonable timeframe and generally within 30 days where practicable.

In some circumstances permitted by law, access may be refused. If this occurs, we will explain the reasons for our decision.

Data Breaches

If we become aware of an eligible data breach likely to result in serious harm, we will:

• Take immediate steps to contain the breach;

• Assess affected information;

• Notify affected individuals where required; and

• Notify the Office of the Australian Information Commissioner (OAIC) where required by law.

Privacy Complaints

If you have a privacy concern or complaint, please contact us first.

Privacy Officer

CrestPath Finance Pty Ltd
Phone: 0488 130 895
Email: wynn@crestpathfinance.com.au

We aim to acknowledge and investigate complaints promptly and will generally provide a response within 2 days.

If your complaint relates to our licensee arrangements, you may also contact:

Purple Circle Financial Services Pty Ltd
14A Porter Street, Beaconsfield WA 6162
Phone: 1300 366 406
Email: compliance@purplecfs.com.au

External Complaints Bodies

If you are not satisfied with the outcome of your complaint, you may contact:

Office of the Australian Information Commissioner (OAIC)

Phone: 1300 363 992
Email: enquiries@oaic.gov.au
Mail: GPO Box 5218, Sydney NSW 2001

Australian Financial Complaints Authority (AFCA)

Phone: 1800 931 678
Email: info@afca.org.au
Mail: GPO Box 3, Melbourne VIC 3001
Website: www.afca.org.au

Updates To This Policy

We may amend this Privacy Policy from time to time to reflect changes in legislation, regulatory requirements, technology or business operations.

The most current version will always be available on our website.