Privacy Policy
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1. Overview & Identity of Collecting Entities
This Privacy Policy applies to the collection, use, holding, and disclosure of personal and credit-related information by LEIDARA PTY LIMITED (ACN 094 724 204), including its authorised credit representatives Mark Edward Dyer (Credit Representative #582001) and LEIDARA PTY LIMITED (Credit Representative #581541) (collectively, “Leidara”, “we”, “us”, or “our”), acting in its own capacity and as an authorised Credit Representative of Australian Credit Licensee Talk To A Broker Holdings Pty Ltd (ACN 623 909 339, ACL #522933) (“TTAB”).
Personal and credit information collected via this website or through our credit assistance services is collected and stored directly on Leidara’s systems, as well as shared with TTAB as the responsible Credit Licensee for regulatory compliance, credit assessment, and loan administration purposes.
This policy explains;
- How and when leidara.com collects personal information;
- What types of personal information leidara.com collects;
- How leidara.com holds and stores personal information;
- Why leidara.com would collect, hold, use and/or disclose personal information;
- What parties may receive your personal information;
- How to access and correct personal information held by leidara.com;
- How to make a complaint regarding our handling of personal information;
- Website usage, cookies and third-party websites;
- Our contact details;
- When and how amendments may be made to the Privacy Policy.
2. How and when leidara.com collects personal information
We may receive personal information from you as you interact with us over our website, email, phone, in person or in any other capacity.
This includes when you;
- Submit a website form enquiring to speak to a finance broker or finance specialist;
- Submit a website form enquiring about advice for financing options for you or your business;
- Contact us requesting enquiring about advice;
- Contact us for any purpose by telephone, via mail, e-mail or online;
- You visit our website (including when you request a quote);
- We supply any other products or services to you; or
- We occasionally collect personal information about customers or potential customers from a third party or a publicly available source, or from marketing and similar lists legally acquired by us.
Where reasonably practicable, we collect personal information directly from you. If we collect information about you from a third party (such as a accountant, employer, or credit reporting body), we will take reasonable steps to ensure you are aware of the collection.
3. What personal information leidara.com collect
This personal information can include;
- Personal and contact information: Personal information includes your name, address, and contact details including phone and/or email address.
- Business information: This includes your company’s name, ABN, address, and general information about your business that can help us ascertain your financing needs including what industry it operates in, years of operation, number of employees.
- Financial information about you and your business: Financial information includes your financing preferences (including type of finance, amount and term preferences), your company’s financial information (includes all information available in your annual accounts and also other information such as customer payment terms).
- Credit history: We may collect data on your credit worthiness such as your credit score and other information about how you have managed borrowings in the past. We do not run credit checks without your expressed permission.
- Browsing data: We collect information about the browsing behaviour while visiting our website including page views and sources, your IP address, how you found our site, the type of device, browser and operating system you use and information provided through the use of cookies.
- Any other data that will help us best analyse your financing needs.
- Identity and Verification Data: Government-issued identifiers (driver’s licence numbers, passport details) and electronic identity verification records (including time-stamped selfies or video screenshots used solely for identity verification).
3.1 Sensitive personal information
Sensitive personal information includes information about a person’s health, race, ethnic origin, political opinions, membership of political, professional or trade associations, religious or philosophical beliefs, sexual preferences and criminal history. leidara.com would only collect such information if it was necessary to provide you with a service such as may be the case in terms of medical data for providing insurance options for individuals or business owners. We only collect sensitive information with your consent.
4. How leidara.com holds and stores personal information
leidara.com holds your personal information in electronic form and/or hardcopy. We take the security of your personal data seriously and take steps to ensure that the data is stored securely and is guarded from unauthorised access, modification, or disclosure.
- Security measures for electronic data include passwords, firewalls and virus scanning software to protect your information from unauthorised access.
- Hardcopy data is stored in premises protected by locks and security cameras.
- Internal staff with access to personal information are trained, audited and monitored with regards to our privacy policies.
- Identity verification documents (including government ID details and verification images) are retained strictly for the time required to complete identity checks and satisfy statutory record-keeping obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF). Once these requirements are met or the data is no longer required, we securely destroy or de-identify the information in accordance with APP 11.2.
- Reasonable steps have been taken to ensure your privacy is maintained in the case of overseas storage or transfer of information.
5. Why leidara.com collects, holds, uses and/or discloses personal information
- Answer requests from our customers;
- Establish the identity of those who contact us;
- Deliver services to our customers, including finance broking services;
- Provide, maintain and improve our customer service;
- Provide information to our customers about products, services or offers;
- Meet the requirements of our participating providers including banks, non-bank financial services companies and investors;
- Meet regulatory and legal obligations;
- Deal with any legal or commercial complaints and issues;
- Consider job applicants;
- Carry out internal functions including training;
- For direct marketing purposes (see 5.1 below);
- Conduct marketing research and analysis; and
- To analyse and test the performance and operations of our website and social media efforts.
5.1 Direct Marketing
We occasionally contact customers or potential customers by mail, telephone, email, SMS or social media with information about products or services offered by us, our partners or our participating providers that may be of interest to you. We also send articles and other business finance related information to customers who have asked to be added to our mailing list. If you at any time would like to opt out of receiving direct marketing, please contact us using the details at the end of this document or email “Unsubscribe’ to info@leidara.com.
We do not use or disclose credit reporting information or credit-derived data for direct marketing purposes.
6. What parties may receive your personal information
We may disclose your personal information to parties that we work with to service you better. For instance, our participating providers will receive customer data if the customer has requested information about the products or services supplied by our partners or providers. We endeavour to inform you, whenever possible, at or before collecting your information, if we will be sharing it and if so with what parties the information will be shared.
Parties who may receive your personal information include;
- Providers who serve our customer’s financing needs including banks, non-banks finance companies and professional and private investors. We encourage our customers to read our participating providers’ privacy policies;
- Professional advisors including finance brokers, finance specialists, lawyers or auditors;
- Contractors including IT service providers, financial institutions or marketing agencies;
- Government or law enforcement agencies, or;
- Any person acting on your behalf including lawyers, trustees or executors.
6.1 Overseas Disclosure
Some of our contractors and service providers are located overseas and we may therefore divulge your personal information to overseas recipients. Overseas recipients include entities located in Singapore, the Philippines, the United States, the United Kingdom, New Zealand, India, and the European Union.
Before disclosing personal information overseas, we take reasonable steps to ensure the overseas recipient does not breach the Australian Privacy Principles or that equivalent privacy protections apply.
We use third party platforms to securely store and deliver information, some of which are located overseas. This includes the use of cloud storage.
6.2 Credit Reporting & Credit Reporting Bodies (CRBs)
In providing credit assistance, we may collect, hold, and disclose credit information and credit eligibility information about you to or from Credit Reporting Bodies (CRBs).
The CRBs we deal with include:
Equifax Australia: www.equifax.com.au | 138 332
Experian Australia: www.experian.com.au | 1300 783 684
illion Australia: www.illion.com.au | 13 23 33
You have specific rights regarding CRBs, including the right to:
Request that a CRB not use your credit reporting information for pre-screening for direct marketing by a credit provider.
Request that a CRB not release your credit reporting information if you reasonably believe you have been or are likely to be a victim of fraud.
7. How you can access your personal information and seek its correction
We rely on the personal information we hold in conducting our business and it is very important that the information we hold is accurate, complete and up-to-date. Our Privacy Officer is available to assist you in accessing the personal information we hold about you. If you believe that your personal information is inaccurate, incomplete, out of date, and irrelevant or misleading, please contact our Privacy Officer using the details provided at the end of this document. We will take reasonable steps to investigate and correct any information found to be incorrect. Our investigation may include contacting third parties to investigate your complaint and thus the resolution of any request may take up to 30 days.
Situations, where we would be unable to provide you with your details, include exceptions permitted by law such as if the information would have an unreasonable impact on the privacy of others, is unlawful or prejudice, is related to law enforcement, if the information relates to existing or anticipated legal proceedings and would not normally be accessible as part of those proceedings, or if the request is frivolous and vexatious.
8. How to make a privacy complaint
If you feel that leidara.com or one of our contractors has breached Australian Privacy Principles or Codes, please contact our Privacy Officer using the contact information provided at the end of this Privacy Policy. We will endeavour to investigate your complaint immediately and respond within 30 days of complaint.
If you believe we have breached the Australian Privacy Principles (APPs) or Privacy (Credit Reporting) Code, please submit your complaint in writing to our Privacy Officer (below). We will acknowledge your complaint within 7 days and aim to resolve it within 30 days.
If you are unsatisfied with our response after 30 days, you may escalate your complaint to the Australian Financial Complaints Authority (AFCA) or the Office of the Australian Information Commissioner (OAIC):
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AFCA (External Dispute Resolution): Phone: 1300 931 678 | Email: info@afca.org.au | Web: www.afca.org.au (AFCA Member #581541)
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OAIC (Privacy Regulator): Phone: 1300 363 992 | Web: www.oaic.gov.au
9. Website usage, cookies and third-party websites
While our website is professionally hosted, please note that there are risks inherent in transmitting personal information over the internet.
We may use cookies to record your usage of the leidara.com website that help us improve your experience of the website. We also use cookies to collect aggregated non-personally identifiable data from our website to improve the user experience. We also collect information about website visitors for statistical purposes including server address; date and time of visit, pages accessed, previous visits, etc.
We provide links to third party websites on the leidara.com site but we in no way ensure or indemnify users for the practices or content of these websites. The links are informational only and in no way represent an endorsement of that website or service provider. Always read the privacy policy before submitting personal data to any third-party website.
10. Contact Us
The Privacy Officer
Leidara Pty Ltd
255 Pitt Street, Sydney NSW 2000
Tel : 1300 335 018
Email : info@leidara.com