PRIVACY POLICY

G&H Financial is committed to providing quality services to you and this policy outlines our ongoing obligations to you in respect of how we manage your Personal Information.

We have adopted the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) (the Privacy Act). The APPs govern the way in which we collect, use, disclose, store, secure and dispose of your Personal Information.

A copy of the Australian Privacy Principles may be obtained from the website of The Office of the Australian Information Commissioner at https://www.oaic.gov.au/.

 

What is Personal Information and why do we collect it?

Personal Information is information or an opinion that identifies an individual. Examples of Personal Information we collect include:

  • Names, residential/business addresses, email addresses and phone numbers.
  • Asset and liability statements, income evidence, credit history and business financial performance required for brokerage services.
  • Browsing behavior, IP addresses and interaction data collected via Google Analytics and cookies to improve site performance.

This Personal Information is obtained in many ways including interviews, loan applications, correspondence, by telephone, by email, via our website https://gandhfinancial.com.au/, from cookies and from third parties such as credit reporting bodies or financial institutions. We don’t guarantee website links or the policy of authorised third parties.

We collect your Personal Information for the primary purpose of providing commercial and asset finance brokerage services, assessing credit suitability and marketing. We may also use your Personal Information for secondary purposes closely related to the primary purpose, such as internal reporting and site optimization. You may unsubscribe from our mailing/marketing lists at any time by contacting us in writing.

Sensitive Information

Sensitive information is defined in the Privacy Act to include information about an individual’s racial or ethnic origin, criminal record, or health information. In the context of finance, this is only collected if strictly necessary for a specific application (e.g., insurance-linked finance).

Sensitive information will be used by us only:

  • For the primary purpose for which it was obtained;
  • For a secondary purpose that is directly related to the primary purpose;
  • With your consent; or where required or authorised by law.

Third Parties

Where reasonable and practicable to do so, we will collect your Personal Information only from you. However, in some circumstances, we may be provided with information by third parties (such as banks, lenders, or credit reporting agencies). In such a case, we will take reasonable steps to ensure that you are made aware of the information provided to us.

Disclosure of Personal Information

Your Personal Information may be disclosed in a number of circumstances including:

  • To facilitate your asset or commercial finance applications.
  • Third parties such as Google Analytics or data reporting tools used for site analytics.
  • Any other third party where you specifically consent to the disclosure.
  • Where required or authorised by law.

Security of Personal Information

Your Personal Information is stored in a manner that reasonably protects it from misuse and loss and from unauthorised access, modification or disclosure through encryption and secure server protocols.

When your Personal Information is no longer needed, we will take reasonable steps to destroy or permanently de-identify it. However, as a financial service provider, most Personal Information is kept by us for a minimum of 7 years to meet legal and compliance obligations.

Access to your Personal Information

You may access the Personal Information we hold about you and update and/or correct it, subject to certain exceptions. If you wish to access your Personal Information, please contact us in writing.

G&H Financial will not charge any fee for your access request but may charge an administrative fee for providing a copy of your Personal Information. In order to protect your Personal Information, we may require identification from you before releasing the requested information.

Maintaining the Quality of your Personal Information

It is important to us that your Personal Information is up to date. We will take reasonable steps to make sure that your Personal Information is accurate and complete. If you find that the information we have is inaccurate, please advise us as soon as practicable.

Policy Updates

This Policy may change from time to time and is available on our website.

Privacy Policy Complaints and Enquiries

If you have any queries or complaints about our Privacy Policy, please contact us at:

G&H Financial Address:
Suite 301, Level 3/30 Pitt St, Sydney NSW 2000, Australia
Phone: +61 2 8060 3530
Email: info@gandhfinancial.com.au