Who are we?
‘We’, ‘us’ and ‘our’ refer to Moody Kiddell & Partners Pty Ltd ACN 003 168 394, Australian Credit Licence 388771 and our related bodies corporate. In addition to MKP Corporate AFSL number 511595, ABN 33 615 318 039.
Our commitment to protect your privacy
We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.
Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.
When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.
Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.
The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we made need to identify you.
If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses. If you apply for any insurance product through us we may also collect your health information. We will only collect health information from you with your consent.
Purposes for which we may collect, hold, use and disclose your personal information
We collect, hold, use and disclose your personal information to enable us to:
- assess your application for finance and arrange that finance, either by providing the finance ourselves or arranging for a third party funder to provide the finance to you; and
- to manage your finance and manage our relationship with you generally.
We also collect, hold, use and disclose your personal information so that we can:
- where applicable, administer your insurance policy and assess insurance risks or claims associated with you or our products or services;
- review and maintain our systems and infrastructure;
- research and develop new products and services;
- undertake activities relating to funding and capital requirements;
- manage dispute and complaint resolution, and assist other credit providers to do the same;
- offer you other products and services and enable our associated entities and selected other entities to promote their products and services to you;
- participate in the credit reporting system and provide information to credit reporting bodies as permitted by Part IIIA of the Privacy Act and the Credit Reporting Code;
- enforce our rights, including debt recovery and other enforcement;
- meet any legal and regulatory requirements that we are subject to from time to time; and
- compile statistical data such as credit scoring information.
How do we collect your personal information?
Where reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from finance brokers and other people such as accountants and lawyers.
Do we disclose your personal information?
To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us. We may also disclose your personal information to any other organisation that has, or is considering having, an interest in your finance or in our business.
Where we are acting as a broker or intermediary, we may disclose to any prospective credit provider or insurer, information about you that is reasonably necessary to obtain the finance and insurances you require (including credit-related information that a credit provider requires to enable it to assess your application for funding).
We may disclose your personal information for the purposes above to:
- any disclosed or undisclosed principal on whose behalf we act as agent for the principal, under a principal and agency agreement and any of their Related Bodies Corporate;
- prospective credit providers and other intermediaries in relation to your finance requirements;
- other organisations that provide services to us such as third party suppliers, printing and postal services, call centres etc;
- credit reporting bodies such as Illion, Equifax, and Experian;
- associated businesses that may want to market products to you;
- companies that provide information and infrastructure systems to us;
- anybody who represents you, such as finance brokers, lawyers and accountants;
- anyone, where you have provided us consent;
- government authorities where we are required to do so by law, such as under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth) and to law enforcement agencies;
- investors, agents or advisers, or any entity that has an interest in our business; or
- your employer, referees or identity verification services.
- our related entities based overseas;
- entities providing other services to us, including legal services, market research, marketing agencies;
- our assignees or potential assignees, or where we act as an agent for, or otherwise on behalf of, another person, to the principal or that other person;
- the supplier of any goods or services financed with credit we provide;
- suppliers, where the payment or credit service provided by us involves payments to the supplier for goods or services to be provided by them;
- organisations involved in debt collection, debt assignment or securitisation arrangements;
- insurers, assessors, underwriters, brokers and other distributors;
- government regulatory bodies in Australia and overseas; and
- law enforcement agencies.
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
(a) the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
(b) you have consented to us making the disclosure.
We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia.
We may disclose your personal information to overseas entities that provide support functions to us. You may obtain more information about these entities by contacting us.
From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.
If you do not wish to receive marketing information, you may at any time decline to receive such information by calling us on (02) 9439 6699 or by writing to us at firstname.lastname@example.org or post to PO Box 83, Artarmon NSW 1570. If the direct marketing is by email you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
Updating your personal information
It is important to us that the personal information we hold about you is accurate and up to date.
During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.
If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or complete.
Access and correction to your personal information
We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time.
We may charge a fee for our costs of retrieving and supplying the information to you.
Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with access to your personal information; for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.
An explanation will be provided to you if we deny you access to the personal information we hold about you.
If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information at the time of your request; otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.
We may need to consult with other entities as part of our investigation.
If we refuse to correct personal information we will provide you with our reasons for not correcting the information.
Using government identifiers
If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than as required by law. We will never use a government identifier in order to identify you.
Business without identifying you
In most circumstances it will be necessary for us to identify you in order to successfully do business with you; however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information - for example, if you make general inquiries about interest rates or current promotional offers.
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
How safe and secure is your personal information that we hold?
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact our complaints officer in any of the following ways:
Telephone: (02) 9439 6699
Address: Suite 24, 401 Pacific Highway Artarmon NSW 2064
We will acknowledge your complaint within seven days. We will provide you with a decision on your complaint within 30 days.
If you are dissatisfied with the response of our complaints officer you may make a complaint to the Privacy Commissioner. The Commissioner can be contacted at:
Office of Australian Information Commissioner
GPO Box 5218 Sydney NSW 2001
Phone: 1300 363 992
You may request further information about the way we manage your personal information by contacting us.
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market practices.