When you trust Clearmatch with your personal information, we know you expect us to protect it and keep it safe. We are committed to protecting the privacy of the personal information of individuals with whom we deal.
This Privacy Policy (“Policy”) explains how Clearmatch Investments Pty Limited and its related entities (such as Clearmatch Originate Pty Ltd) and bodies corporate (“Clearmatch”, “we“, “us“, “our“) collects your personal information, manages your personal information, what we do with it, how it's stored and who we might share it with.
We are bound by the Privacy Act 1988 (Cth) (‘Privacy Act’) and will protect your personal information in accordance with the Australian Privacy Principles (‘APPs’). These principles govern how we can collect, use, hold and disclose your personal information, as well as ensuring the quality and security of your personal information.
What is personal information
Personal Information is defined as any "information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not and whether the information or opinion is recorded in a material form or not".
Personal information is any information or opinion about you that is capable, or reasonably capable, of identifying you, whether the information or opinion is true or not and is recorded in material form or not.
What kinds of personal information do we collect
Clearmatch collects your personal information so that we can perform our various functions and activities. Clearmatch also collects your personal information if the law requires us to collect it. If we do not collect your personal information as required, we may not be able to deal with you, or provide you with a product or service.
We collect personal information about you when you contact us, use our products or services, visit our websites or use our mobile applications or deal with us in some other way including if you’re redirected to deal with Clearmatch by our strategic partners and/or clients. The information we collect from you may include:
- Information about your identity — including your name, address, contact details and date of birth
- Your Tax File Number (“TFN”) or tax residency status
- Financial and transaction information (including information contained in a credit report about you, and information about your creditworthiness that has been derived from a credit report about you)
- Throughout the life of your product or service, we may collect and hold additional personal information about you. This could include transaction information or making a record of queries or complaints you make and, if you make any complaints, collecting additional information to assess the complaint.
- When you visit our websites or use our mobile applications — your location information, IP address and any third party sites you access.
There may be occasions when Clearmatch collects personal information about you from other people or organisations. This may happen without your direct involvement. For instance, we may collect personal information about you from:
- publicly available sources of information, such as public registers
- Clearmatch strategic partners and/or clients
- credit reporting bodies
- organisations that Clearmatch has an arrangement with to jointly offer products and/or has an alliance with to share information. This could be for marketing purposes or to provide you with products or services and/or to promote a product or service.
- marketing companies if we acquire contact information to tell people about our products and services that may interest them
- your insurer, your counterparties, debtors and/or clients
- law enforcement, dispute resolution, statutory and regulatory bodies
- your representatives (including your legal adviser, broker, financial adviser, executor, administrator, guardian, trustee, or attorney).
We may collect additional information at other times, including but not limited to, when you provide feedback, when you provide information about your personal or business affairs, change your content or email preference, respond to surveys and/or promotions, provide financial information, or communicate with our customer support.
Using your personal information
The personal information Clearmatch holds is only used or disclosed for the particular purposes for which it is collected. We will not use or disclose any personal information about you for any other purpose without your consent unless an exception applies under the APPs.
We may collect, use and disclose personal information we collect about you for several purposes including:
- checking whether you are eligible for the product or service;
- assisting you where applications are not completed;
- to enable Clearmatch and our strategic partners and/or clients to provide a product or service, including telling you about other products and services that may be of interest to you; and
- helping manage the product or service
Bringing you new products and services
We may use your personal information to offer you products and services we believe may interest you, but we will not do so if you tell us not to. These products and services may be offered by Clearmatch, its strategic partners or one of its preferred suppliers. We may offer you products and services by various means, including by mail, telephone, email, SMS or other electronic means, such as through social media or targeted advertising.
Managing your personal information
Clearmatch will take reasonable steps to protect personal information we hold from misuse, interference and loss as well as unauthorised access, modification or disclosure. Much of the information we hold about you will be stored electronically in secure data centres. Some information we hold about you will be stored in paper files. We use a range of physical and electronic security measures to protect the security of the personal information we hold. Where we no longer need personal information for any purpose for which the information may be used or disclosed we will take reasonable steps to destroy the information or ensure the information is de-identified in accordance with the Act.
You can help us to protect your privacy by observing our security requirements and contacting us immediately if your contact details change. We require you to keep your passwords and access codes confidential and secure at all times. This means that you should not disclose your passwords or access codes to any other person. You should contact Clearmatch immediately if you believe that your passwords or access codes may have been disclosed to another person or if you would like to change them.
Disclosing your personal information
We may share your information with strategic partners and organisations that help us with our business who abide to the requirements of the Privacy Act.
These third parties may include:
- Service providers — for example, insurers, finance companies and our product distributors
- Financial services organisations involved in providing, administering or managing funds, trustees, administrators, custodian and portfolio service providers
- Organisations providing outsourced functions — including direct marketing, mailing or printing services, statement production, and IT support
- your representatives (including your legal adviser, accountant, financial adviser, executor, administrator, guardian, trustee, or attorney);
- Our financial advisers, legal advisers or auditors;
- Organisations and persons involved in our funding arrangements — like loan purchasers, investors, advisers, researchers, trustees and rating agencies
- Organisations and persons involved in processing claims — like assessors and investigators
- Government and law enforcement agencies or regulators, including ATO and AUSTRAC
- Credit reporting bodies, credit providers and debt collectors
- external dispute resolution schemes; and
- Organisations that help identify illegal activities and prevent fraud
We require all our service providers to comply with the privacy laws.
Disclosing your personal information overseas
We may disclose your personal information to recipients located outside Australia. This includes:
- Clearmatch companies located in Singapore and New Zealand
- Clearmatch service providers which are located in the United States and the United Kingdom:
- For international transactions to the corresponding international party in order to process the transaction. The countries we disclose your information to will depend on the details of the transaction you ask us to carry out.
Accessing, updating and correcting your personal information
You should contact Clearmatch if you wish to find out about the personal information we hold about you. We will need to verify your identity before giving you access. We can usually deal with such a request within 7 to 30 days. Depending on the complexity of your request, we may charge a fee for processing the request.
In certain circumstances, Clearmatch may not be able to tell you what personal information is held about you. In these circumstances, we will write to you to explain why we cannot provide you with the information and attempt to find alternative means to enable you to access your information.
If you believe that the personal information we hold is inaccurate, incomplete or out-of-date, you should contact us. We will promptly update any personal information that is inaccurate, incomplete or out of date. If we do not agree that your information is inaccurate, incomplete or out of date, we will write to you and tell you the reason(s) why we do not agree with you. We will also tell you what you can do if you are not satisfied with our response.
Resolving your privacy concerns and complaints
If you are concerned about how your personal information is being handled or if you have a complaint about a breach by us of the Australian Privacy Principles, please contact us. We will acknowledge your complaint as soon as we can after receipt of your complaint. We will let you know if we need any further information from you to resolve your complaint. We aim to resolve complaints as quickly as possible. We strive to resolve complaints within five business days, but some complaints take longer to resolve. If your complaint is taking longer, we will let you know what is happening and a date by which you can reasonably expect a response.
Our Privacy Officer can also be contacted in relation to privacy concerns by writing to:
Clearmatch Originate Pty Ltd
Suite 9.03, Level 9
25 Bligh Street
Sydney NSW 2000
AUSTRALIA
Call: 1300 644 044
email: premiumfunding@clearmatch.com
If you are not satisfied with the way we handle your personal information, you may complain to the Office of the Australian Information Commissioner.
GPO Box 5218
Sydney NSW 2001
Phone: 1300 363 992
email: enquiries@oaic.gov.au
www.oaic.gov.au
Changes to the Privacy Policy
We may change the way we handle personal information from time to time for any reason. If we do so, we will update this Privacy Policy. An up-to-date version is available on www.clearmatch.com