Compeer Finance Pty Ltd (trading as Personifi) is committed to providing you with the highest levels of customer service and understand how important it is to protect your personal information. Set out below is information that we are required to communicate to our customers. We have also supplied additional information about our company.
We may, from time to time, review and update this policy, including taking account of new or amended laws, new technology and/or changes to our operations. All personal information held by us will be governed by the most recently updated policy. Your privacy matters to us, so whether you are new to Personifi or are a long time user, please take the time to get to know our practices.
Personifi is the trading name of Compeer Finance Pty Ltd. We are an authorised credit representative of Finsure Finance and Insurance Pty Ltd with Australian Credit Licence 384704.
Among other things, Personifi provides Australian customers with credit assistance into consumer credit loans. In this document, 'Personifi', 'we', 'us' and 'our' are references to Personifi and any related bodies corporate.
When we refer to personal information, we mean information or an opinion from which your identity is apparent or can reasonably be ascertained. The personal information we hold about you may also include credit information.
Credit information is a sub-set of personal information. It is information we use to assess your eligibility to be provided with finance. It may include details about any finance 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 (CRBs). Credit providers (including banks, building societies, utility companies and telecommunications carriers) provide information about individuals' activities in relation to consumer credit to central databases managed by CRBs. CRBs are then able to include that information on the individual's credit report. A credit provider can obtain a copy of an individual's credit report from a CRB to assist them in deciding whether to provide an individual with consumer credit or to manage credit that has been provided to an individual.
The law requires us to advise you of 'notifiable matters' in relation to how we may use your credit information. You may request to have these notifiable matters (and this policy) provided to you in an alternative form, such as a hard copy.
We may exchange your credit information with CRBs. We use the credit information that we exchange with the CRBs to assess your creditworthiness, assess your application for finance and manage your finance. If you fail to meet your payment obligations in relation to any finance that we have provided or arranged, or you have committed a serious credit infringement, we may disclose this information to a CRB.
You have the right to request access to the credit information that we hold about you and make a request for us to correct that credit information if needed. We explain how you can do this below.
Sometimes, your credit information will be used by CRBs for 'pre-screening' credit offers on the request of other credit providers. You can contact the CRB at any time to request that your credit information is not used in this way.
You may contact the CRB to advise them that you believe that you may have been a victim of fraud. For 21 days after the CRB receives your notification, the CRB must not use or disclose that credit information. You can contact any of the following CRBs for more information:
We collect personal information in a number of ways, including:
- directly from you, for example, when you provide information by phone, in application forms or other ddd agreements, or when you submit your personal details via our websites (e.g. during an application or via personifi.com.au);
- from third parties such as our survey or competition websites;
- from marketing websites;
- from related companies;
- from government entities or publicly available sources of information;
- from CRBs;
- rom your representatives.
If we obtained your information through any of these methods and you would like a list of these entities or websites, please contact us via firstname.lastname@example.org.
The primary purpose for which we collect information about you is to enable us to perform our business activities and functions and to provide the best possible quality of customer experience. Your personal information may be used to:
- verify your identity;
- assist you to gain approval or provision of a product or service;
- provide the services you require;
- administer and manage those services such as payments;
- inform you of ways the services provided to you could be improved or additional services that you may benefit from;
- Marketing Services (explained below);
- conduct appropriate checks for credit-worthiness and for fraud;
- research and develop our services provided, either directly or referred;
- gain an understanding of your information and credit or financial needs in order for us to provide you with a better service.
We base some things on the information we get from CRB's, such as:
- our summaries of what the CRBs tell us; and
- credit scores. A credit score is a calculation that lets us know how likely a credit applicant will repay credit we may make available to them.
Information that we get from a credit reporting body or information wederive from such information is known as credit eligibility information.
Also, your personal information is collected so that we can promote and market products and services to you (including by way of direct mail, telemarketing, email, SMS and MMS messages). This is to keep you informed of products, services and special offers and this may continue after you cease holding an active product or service through us. If you do not wish for this to take place or continue, please contact us below.
We will never sell your information to any party outside of Personifi and any related bodies corporate. In order to deliver the services you require, we may disclose your personal information to organisations outside of the Compeer Finance Pty Ltd (trading as Personifi) group of companies. Your personal information is disclosed to these organisations only in relation to us providing our services to you.
We may use external organisations for customer enquiries; mailing operations; billing and debt-recovery functions; information technology services; marketing and telemarketing market research; and website usage analysis. This means we disclose your personal information (such as name and address) to them. We take reasonable steps to ensure that these organisations are bound by confidentiality and privacy obligations in relation to the protection of your personal information.
In addition, we may disclose your personal information to sponsors, or promoters of any competition that we conduct or promote via our services; the police, any relevant authority or enforcement body, or your internet service provider or network administrator, for example, if we have reason to suspect that you have committed a breach of any of our terms and conditions, or have otherwise been engaged in any unlawful activity, and we reasonably believe that disclosure is necessary.
We currently run our business in Australia but this may be expanded to other countries and overseas. We will provide a list of these countries by updating this document.
We may store your information in cloud or other types of networked or electronic storage. You should note that, as electronic or networked storage can be accessed from various countries via an internet connection, it is not always practicable to know in which country your information may be held.
We will not share any of your credit information with a credit reporting body unless it has a business operation in Australia. We are not likely to share credit information we obtain about you from a credit reporting body or that we derive from that information.
Sensitive information is any information about your racial or ethnic origin, political opinions, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.
We may seek, collect, use or disclose sensitive information about you but only if that sensitive information relates directly to our ability to arrange or provide credit to you or manage the credit provided to you (including, for example, assessing hardship applications and collecting overdue payments).
Sometimes people share information (including sensitive information) with us we have not sought out. This could be through using our website or, for example, requesting us to assess or assist in a hardship application. If we receive unsolicited personal information (including sensitive information) about you, we will determine whether we would have been permitted to collect that information. If yes, then we will handle this information the same way we do with other information that we seek from you. If no and the information is not contained in a Commonwealth record, then we will destroy or de-identify it as soon as practicable, but only if it is lawful and reasonable to do so. Often, it is not possible for us to neatly unbundle this information then destroy or de- identify only certain sections or parts of it and we may need to store this information for future use, such as to help resolve disputes between us or assess future applications by you. We have many security safeguards in place to protect the information from interference, misuse, loss, unauthorised access, modification or disclosure.
We love the products and services that we offer so we want to keep you informed about the best offers in the credit and financial market place. In saying that, we also respect your privacy as a priority and understand that not everyone wants to be contacted regarding sales and marketing. If you do not wish to be contacted by Personifi, we invite you to contact us via email@example.com.
We may conduct marketing activities via email, telephone, SMS, IM, mail, or any other electronic means. We may also market our products to you through third party channels (such as social networking sites). We will always let you know that you can opt out from receiving our third party marketing. Where we market to prospective customers, we will always provide an easy way to opt-outs.
With your consent, we may disclose your personal information to third parties such as brokers or agents, or for the purpose of connecting you with other businesses or customers. You can ask us not to do this at any time. We will never sell your personal information to any external organisation. We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.
Your internet protocol address (or 'IP address') is the numerical identifier for your device when you are using the internet. It may be necessary for us to collect your IP address for your interaction with some parts of our website.
We generally use this information to report statistics, analyse trends, administer our services, diagnose problems and target and improve the quality of our products and services.
A web beacon is typically a transparent graphic image invisible to the user that is placed on a website. The use of a web beacon allows the website to record the simple actions of the user (such as opening the page that contains the beacon) through a tracking pixel. We may use web beacons (and cookies) for purposes such as site usage analytics, advertising auditing and reporting, as well as content and “advertising/marketing personalisation”. We may share any data collected from web beacon (and cookies) with third parties to provide you with relevant advertising when browsing third party networks and websites (Third Party Websites) such as Google and Facebook.
Our website may contain links to Third Party Websites (e.g. third party providers of goods and services). We make no representations or warranties in relation to the privacy practices of any Third Party Website and we are not responsible for the privacy policies or the content of any third party website. Third Party Websites are responsible for informing you about their own privacy practices. If you accessed Third Party Websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties. Where you access a Third Party Website from our website, cookie and web beacon information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.
When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any services that you require. You may also be able to suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.
We take all reasonable precautions to ensure that the personal information we collect, use and disclose is accurate, complete and up-to-date. However, the accuracy of that information depends to a large extent on the information you or others provided to us.
If you wish to make any changes to your personal information, please contact us. We will generally rely on you to assist us in informing us if the information we hold about you is inaccurate or incomplete. You may request access to the personal information we hold about you by contacting us. We will respond to your request within a reasonable period. We will give access in the manner you have requested if it is reasonable to do so. We may charge you a fee to access the information. The fee will not be excessive and will not apply to the making of the request. We may deny you access to your personal information in certain circumstances, for example, if required or authorised by or under an Australian law or a court/tribunal order, or it would be likely to prejudice enforcement related activities by an enforcement body, if granting access would interfere with the privacy of others, or if it would result in a breach of confidentiality. If we decide not to give you access, we will provide reasons for the refusal and information on how you can complain about the refusal.
We store information in different ways, including in paper and electronic form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse, interference and loss and from unauthorised access, modification or disclosure.
Some of the ways we do this are:
- confidentiality requirements of our employees;
- document storage security policies;
- security measures for access to our systems;
- only giving access to personal information to a person who is verified to be able to receive that information;
- control of access to our buildings; and
- electronic security systems, such as firewalls and data encryption on our website.
We take protecting the security of your personal information seriously. We have a response plan that is designated to enable us to contain, assess and respond to suspected data breaches in a timely fashion and to help mitigate potential harm to affected individuals.
We may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from anywhere via an internet connection, it is not always practicable to know in which country your information may be held. If your information is stored in this way, disclosures may occur in countries other than those listed here or those we referred to from time.
In addition to the above, we also regularly review developments in security and encryption technologies. However, it is important to remember that the use of email and the internet may not always be secure, even with these safeguards in place.
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 provide you with the option to remain anonymous or to use a pseudonym, for example, when you make general inquiries about our business or current promotional offers.
We do not adopt a government related identifier (such as your tax file number or your driver's licence number) as a means of identifying you.
You may contact us during EST business hours by email: firstname.lastname@example.org.
If you have a complaint about how we handle your personal information, we want to hear from you. You are always welcome to contact us. You can let us know about your complaint or feedback by contacting us at:
By providing your email address and then clicking submit on any online application, calculator, tool or query, you consent to receiving notices and other documents from us by email to the email address provided, and you understand that if you give this consent:
- we may no longer send you paper copies of notices and other documents;
- you should regularly check your email address for documents, including the spam folder, as an email
- will be deemed received once it enters your computer system; and
- you may withdraw your consent to receiving documents by email at any time by contacting us.
You also confirm that you have the facilities to print any notice or document that we send you by email, if desired.