‘We’, ‘us’ and ‘our’ refer to etika Australia Pty Ltd ACN 629 009 025 and our related businesses in Australia, New Zealand and the United Kingdom.
At etika we commit to ethical practices in everything we do, and we understand how important it is to protect your personal information. This document sets out our commitment in respect to the personal information we hold about you, how we collect, use and disclose your personal information, how we aim to protect your privacy, and your rights in relation to your personal information managed by us.
We recognise that any personal information we collect about you will only be used for the purposes we have collected it for 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 the protection of your personal information.In handling your personal information we will comply with the Australian Privacy Act 1988 and Australian Privacy Principles (APPs), the New Zealand Privacy Act 2020 and New Zealand Privacy Principles, and any other relevant laws, regulations and codes relating to privacy (‘Privacy Law’).
This policy applies when you sign up for, access, or use our services, features, technologies or functions offered (collectively ‘etika Services’) both past and present, and in relation to personal information we may otherwise collect during the course of our business as set out in this policy.
When we refer to personal information, we mean information or an opinion from which your identity is reasonably apparent.
The kinds of personal information we may collect and hold about you varies according to the product and service being provided and may include your:
When you apply for, or we provide etika Services to you, we may access your credit related information held with a credit reporting body. This information means:
We comply with the Australian Credit Reporting Privacy Code and the New Zealand Credit Reporting Privacy Code 2004 that applies to the collection, use and disclosure in our handling of your credit related information.
In some circumstances we may collect sensitive personal information about you, such as when assessing and managing applications for financial hardship. Sensitive information is personal information which includes information about health, racial and ethnic origin, sexual preferences, criminal record, religious or philosophical beliefs, political opinions or associations and trade union memberships or associations. We will only collect sensitive personal information which is relevant to the purpose of which it is collected.
We only collect, hold and disclose information about you where it is reasonably necessary for us to perform our business activities or required by law. These purposes include but are not limited to:
You have a choice to supply us with the information we request. In most circumstances it will be necessary for us to hold and process your personal information in order to successfully provide etika Services to you.
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 promotional offers.
Where reasonable and practical we will collect your personal information directly from you. This can include when you:
We may also collect information about you from other sources, such as:
When you use our website or mobile applications we may collect information about your location or activity including IP address, telephone number and whether you have accessed third party sites, the date and time of visits, the pages that are viewed, information about the device used and other user location information. We collect some of this information using cookies.
We may disclose your personal information for purposes for which it was collected or as permitted by Privacy Law. Parties who we may disclose your personal information to include:
If you fail to meet your payment obligations in relation to any etika Services that we have provided or arranged, or you have committed a serious credit infringement, we may disclose this information to a credit reporting body.Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
We will take a range of measures and reasonable steps to protect your personal information. Your personal information will always be stored 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.
From time to time we may use your personal information to provide you with current information about etika Services, 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 using the unsubscribe function on email communication or by contacting us on the details set out below. 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.
It is important to us that the personal information we hold about you is accurate, up-to-date, complete, relevant and not misleading and take reasonable steps to ensure this. You have a right to access and seek correction of your personal information, including credit-related information that is held by us subject to some exceptions specified under Privacy Law.
We will generally rely on you to ensure the information we hold about you is accurate or complete, and we may ask you to inform us if any of your personal information has changed during the course of our relationship with you.
If at any time you would like to access or amend the personal information we hold about you please contact us on the details set out below. We may need to consult with other finance providers or credit reporting bodies or entities in order to process your request.
There may be situations where we are not required to provide you with access to your personal or credit-related information, for example, if the information relates to existing or anticipated legal proceedings, if your request is vexatious or if the information is commercially sensitive.
A written explanation will be provided to you if we deny you access to the personal or credit-related information we hold about you explaining the reasons for the refusal and details of ways in which you can raise a complaint.
If at any time you would like access to, or have questions about, your credit related personal information you can contact the following credit reporting bodies for more information:
Equifax Pty Ltd
Illion Australia Pty Ltd
Illion New Zealand Limited
If you have concerns or are dissatisfied with the way we have dealt with your personal information, or you have a complaint about our compliance with Privacy Law, you may contact our Privacy Officer on the contact details set out below.
At all times privacy complaints are taken seriously and confidentially in accordance with our Complaints Handling Policy.
In the event you are dissatisfied with the outcome of your privacy complaint, you may refer to the independent privacy regulator by contacting them on the below details:
Office of the Australian Information Commissioner (OAIC)
1300 363 992
Office of the Privacy Commissioner
0800 803 909
Please contact us if you would like more information on our approach to privacy or about the way we manage your personal or credit-related information.
We may notify you by email or otherwise off material changes which may impact you. You may request this policy in an alternative form by contacting us on the details set out below.
Please direct all privacy related queries and complaints to our Privacy Officer by email to email@example.com or by writing to PO Box 606 North Sydney NSW 2059.
Our office hours are Monday to Friday from 8am to 5pm (NZDT).