About this Privacy Policy
This is the privacy policy of Evergreen Financial Solution Pty Ltd (ACN 642 669 583) (EVGS), which sets out our commitment in respect of the personal information (including credit-related information) we hold about you.
At EVGS, we understand how important it is to keep your personal information safe and secure. Any personal information we collect will only be used for the purposes we have collected it for or as allowed under law. It is important to us that you are confident that we’ll treat your information in a way which ensures its protection.
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.
Personal Information
When we refer to personal information, we mean information from which your identity is apparent or can reasonably be ascertained. The personal information that we collect and hold about you could include information such as:
name
address
date of birth
contact details (including your telephone number and email address)
financial details (including your income, expenses, assets, and liabilities)
credit history
employment details
tax file number (TFN), and
transaction history
You may also need to provide personal information about other individuals to us for example, personal information about joint applicants, co-applicants or guarantors, your authorised representatives, or your accountant or solicitor's contact details. If so, we rely on you to inform those individuals that you are providing their personal information to us, to ensure they agree to their information being provided to us, to advise them of this Policy and that we can be contacted for further information.
How do we collect your personal information?
We collect most of your personal information directly from you. If we need to collect or confirm this information from a third party, such as a credit reporting body, we will use reasonable efforts to obtain your consent before we contact a third party for this purpose.
Infrequently, we may need to collect sensitive information about you (such as health-related information). We will first seek your consent to collect such information where we are required to do so.
In some cases, we are required or authorised under an Australian law or court/tribunal order to collect your personal information, for example, to:
prove your identity when you open an account or take out a loan
verify your identity when you take out a mortgage, and
confirm your tax residency status.
We may also collect personal information about you that is in the public domain, or from commercially available third-party databases. We also collect information about you when you visit our website. Information we collect from you if you visit our website includes your Internet protocol address, date and time of your visit to our site, the pages viewed, how you navigate our website, and any information you have downloaded.
How we use your information
We use the information you provide to advise about and assist with your credit needs. We only provide your information to the companies with whom you choose to deal (and their representatives).
We also use your information to send you requested product information and to enable us to manage your ongoing relationship with us. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.
We may occasionally notify you about promotions, new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post. If you would rather not receive this information, email or write to us.
We may also use your information internally to help us improve our services and help resolve any problems.
Will we disclose the information we collect?
We do not sell, trade, or rent your personal information to others.
We may need to provide your information to our credit licensee e.g. for administration and supervision activities, contractors who supply services to us e.g. to handle mailings on our behalf, or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.
We may also provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.
Your Consent
By providing personal information to us, you consent to the collection, use and disclosure of your information in accordance with this Policy and any other arrangements that apply between us.
Complaints
Internal Dispute Resolution
If you do have a complaint, please let us know by email to: [email protected] please make sure you include as much information as you can.
You should explain the details of your complaint as clearly as you can. You must do this in writing. When we receive a complaint, we will attempt to resolve it promptly.
Changes to this policy
We may review the information contained in this document from time to time. We will notify you of any changes by publishing an updated version of our policy on our website.