PRIVACY POLICY

This Policy is designed to protect the confidentiality of information and the privacy of individuals by regulating the way personal information is collected, used, disclosed and managed. Personal information is, generally speaking, information or an opinion relating to an identified, or reasonably identifiable, individual. This policy explains the types of personal information that we may collect and hold, how that information is used and with whom the information is shared. It also sets out how you can contact us if you have any queries or concerns about this information.

What personal information do we collect?

Information we collect from you can vary dependant on the transaction. The following outlines the types of information we collect:

  • Personal identification which includes name, postal or email address, telephone numbers and date of birth.
  • Information and documentation to verify your identity.
  • Information on how you’d like to interact with us.
  • Credit information including details relating to credit history, credit capacity and eligibility for credit. This information is likely to form part of your loan application(s).
  • Other information that may be considered necessary for the provision and promotion of our products and services and the operation of our business.

We also collect statistical information about visitors to our website. Generally, this information cannot be used to identify particular individuals but, in some circumstances, it may include a visitor’s IP address, which could be linked to the individual.

Over the course of our relationship, we may collect and hold additional information be it related to your person or business. This requirement will often depend on our internal credit policies to ensure our products are right for you.

Online data collection

We may use “cookies” to help us tailor our website to better suit your needs and improve our service. A cookie is a small text file that a website stores on your computer to identify you so you can avoid re-entering your user ID.  We use cookies for functional purposes to enable our systems to recognise your browser and to navigate the site more easily. We may also use it for analytical purposes and to track usage preferences.  Visitors can opt-out of cookies through Ads Settings, or any other available means which are generally located in your internet browser. Personal information may be collected by way of forms filled out by individuals (including via online forms), emails, telephone conversations and online user- generated content.

How do we use and disclose your personal information?

We may use and disclose your personal information for a range of purposes, including to:

  • provide you with services that you have requested;
  • respond to your queries or feedback;
  • provide you with any communications or publications in which we think you might be interested, or which you have requested;
  • let you know about developments of our services, activities and programs that might be useful to you;
  • facilitate your participation in forums, social events and educational events;
  • Disclosure of personal information to other parties

We may disclose your personal information to third parties such as our professional advisers, lenders, our external service providers that provide services to us (such as distribution of newsletters and market research). We may disclose your personal information for the purposes set out above.

Additionally, we may also disclose your personal information if it is required or authorised by law, where disclosure is necessary to prevent a threat to life, health or safety, or where we are otherwise permitted by the Privacy Act. We do not sell or license your personal information to third parties.

If you don’t provide your personal information to us, we may not be able to:

  • provide you with a requested product or service
  • manage or administer your product or service
  • personalise your experience with us
  • verify your identity including to detect fraudulent or unauthorised attempts by third parties to access or operate your accounts; or let you know about other products or services that might better meet your financial, e-commerce and lifestyle needs.

Security and management of personal information

We will take reasonable steps to protect the personal information we hold from misuse and loss and from unauthorised access, modification or disclosure. The ways we do this include:

  • limiting physical access to our premises;
  • limiting access to the information we collect about you (for instance, only those of our personnel who need your information to carry out our business activities are allowed access);
  • requiring any third party providers to have acceptable security measures to keep personal information secure; and putting in place physical, electronic, and procedural safeguards in line with industry standards.

When we no longer require your information

Due to the nature as to why we collect your personal information, we are required to keep your information as long as legally required. We’re required by law to retain some information for certain periods of time, such as under the Corporations Act and the Anti-Money Laundering & Counter-Terrorism Financing Act. When we no longer require your information, we take reasonable steps to ensure that your information is destroyed, de-identified, or rendered inaccessible.

Use of your information for marketing and promotional purposes?

We may use or disclose your personal information to let you know about products and services that we believe may be of interest to you. We will not do this if you unsubscribe or otherwise advise us not to.

With your consent, we may disclose your personal information to third parties such as brokers, agents or financial advisors, or for the purpose of connecting you with other businesses or customers. You can opt out at any time.

If you receive any promotional material from us and you do not wish to receive this any longer, you may remove your name from our list by contacting us at enquiries@melville.house or by clicking the unsubscribe facility provided.

Links from our website to other websites

Our website may contain links to third party websites. We do not operate these websites and therefore are not responsible for the collection or handling of personal information by the operators of these websites.

Updating your personal information

We endeavour to ensure that the personal information we hold about you is accurate, complete, and up to date. Please contact us if your contact information is out of date.

How you can complain about a breach of privacy

If you have a complaint about a breach of this Privacy Policy including the manner in which we have collected, held, used, disclosed, kept, or given people access to your personal information, then you may make a complaint to us using the contact details set out below.

You will need to provide us with sufficient details regarding your complaint and any supporting evidence.  Your complaint will be referred to our Privacy Officer who will investigate the issue and determine the steps we will take to resolve your complaint. We may ask you to provide additional information.

Contact us

If you would like to contact us to provide feedback or if you have any questions in relation to this Privacy Policy please contact us via:

Email at enquiries@melville.house
Or visit us at our office, located at
Level 27/333 Collins Street
Melbourne, Victoria 3000

This Privacy Policy will be reviewed from time to time to take account of new laws and technology, changes to our operations and practices and the changing business environment.