Cookies are pieces of text that are transferred into the memory of your computer to store preferences, record session information and collect information on how you visit and access our Website.
The use of cookies can improve the efficiency of your navigation of our Website and generally assist in our quest to provide services to you in the most convenient and prompt manner.
The cookies can be rejected or deleted by following the instructions for your browser.
IP addresses are automatically collected by our web server as part of demographic and profile data known as “traffic data” so that data (such as the Web pages you request) can be sent to you.
Third party vendors, including Google, show our ads on other websites on the internet. Third party vendors, including Google, use cookies to serve ads based on a user’s prior visits to a website.
Users may opt out of Google’s use of cookies by visiting the Google advertising opt-out page at http://www.google.com/policies/technologies/ads/. Alternatively you can opt out of a third party vendor’s use of cookies by visiting the Network Advertising Initiative at http://www.networkadvertising.org/.
We use Cookies for the purposes of conducting Re-marketing Campaigns. Google’s Display Network use the DoubleClick Cookie. You can opt out of DoubleClick cookies by visiting the DoubleClick opt-out page at http://www.google.com/doubleclick/ or the Network Advertising Initiative opt-out page at http://www.networkadvertising.org/choices/.
Credit related information
We may use personal information to assess your credit situation when you apply for some products or services.
We might ask you for information about yourself and then seek a credit report from a credit reporting agency.
We’ll always tell you before we seek a credit report, and we won’t get one if you’re under 18.
The credit report provided by a credit reporting agency may include information like your employment history, previous credit checks, any problems you’ve had paying bills and whether those issues were resolved. We use this information to assess whether we’re entering into an arrangement that is sensible for both you and us.
After you become a client, we store the crucial bits of information from the credit report. We may continue to use this information to examine, assess and process your information or application, and to provide our financial services, financial solutions, budgeting, debt management options, and any other services we may offer from time to time.
We don’t use credit related information to generate marketing lists. Sometimes, we might ask a credit reporting agency to do that for us. You can ask the credit reporting agency not to use your information for these purposes by getting in touch with them directly.
We work with client service partners inside and outside Australia. Where necessary, we give our partners access to the credit information they need to help us provide our services.
You can get access to credit related information we hold about you, ask us to correct it, or make a complaint, as described elsewhere in this policy. If we agree that our records need to be corrected, and we’ve previously disclosed that information to a credit reporting agency or other person, we’ll tell them about the correction too.
You can ask the credit reporting agencies not to use or disclose the information in their files if you think you have been or are likely to become a victim of fraud.
You can find out more about the credit reporting agencies we work with at www.veda.com.au and www.dnb.com.au. Their websites give their contact details and their policies about the management of your personal information.