collection of your personal information
There are many aspects of the site which can be viewed without providing personal information, however, for access to future Sphere Loans Australia customer support features you are required to submit personally identifiable information.
Where possible we collect your personal information directly from you. You provide this information to us when you apply, request products and services or make an enquiry. We may also collect your personal information from credit reporting bodies and other people such as accountants and lawyers.
In most cases we will request your consent to any collection and take reasonable steps to ensure that you are made aware of who we are, the purpose of the collection, how you can access your information and who we may disclose your information to.
It will typically 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 offer you the opportunity of doing business with us without providing us with personal information. For example, if you make general inquiries about interest rates or current promotional offers.
use of your personal information
For each visitor to reach the site, we expressively collect the following non-personally identifiable information, including but not limited to browser type, version and language, operating system, pages viewed while browsing the Site, page access times and referring website address. This collected information is used solely internally for the purpose of gauging visitor traffic, trends and delivering personalized content to you while you are at this Site. From time to time, we may use customer information for new, unanticipated uses not previously disclosed in our privacy notice. If our information practices change at some time in the future we will use for these new purposes only, data collected from the time of the policy change forward will adhere to our updated practices.
We may need to disclose aspects of your personal information to:
- give you credit assistance;
- to prospective funders or other intermediaries in relation to your requirements;
- to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services;
- to associated businesses that may want to market products to you;
- to companies that provide information and infrastructure systems to us;
- to anybody who represents you, such as lawyers and accountants;
- to anyone, where you have provided us consent;
- where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth);
- to investors, agents or advisers, or any entity that has an interest in our business; or
- to your employer, referees or identity verification services.
security and storage
We will take reasonable steps to protect your personal information by storing it 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.
changes to this privacy policy
Sphere Loans Australia reserves the right to make amendments to this Privacy Policy at any time. If you have objections to the Privacy Policy, you should not access or use the Site.
accessing your personal information
You have a right to access your personal information, subject to exceptions allowed by law. If you would like to do so, please let us know. You may be required to put your request in writing for security reasons. Sphere Loans Australia reserves the right to charge a fee for searching for, and providing access to, your information on a per request basis.
notifiable data breach scheme
Sphere Loans Australia collects personal information about its members. If the personal information that the Sphere Loans Australia holds about any person is compromised by a breach that the Sphere Loans Australia considers is ‘serious’, it will assess that breach as soon as it becomes aware and will fully comply with its obligations under Privacy legislation.
contacting us
Sphere Loans Australia welcomes your comments regarding this Privacy Policy. If you have any questions about this Privacy Policy and would like further information or if you are dissatisfied with how we have dealt with your personal information, or if you have a complaint about our compliance with the Privacy Act, please contact us by any of the following means during business hours Monday to Friday:
By Phone: 1300 123 899
Post: Attn: Privacy Policy, Sphere Loans Australia, Suite 3, Level 3, 1 Horwood Place, Parramatta NSW 2150 Australia.
E-mail: info@sphereloans.com.au
For any complaints, we will acknowledge your complaint within seven days. We will provide you with a decision on your complaint within 30 days.
If you are dissatisfied with the response of our complaints officer you may make a complaint to the Privacy Commissioner which can be contacted via the Office of the Australian Information Commissioner website (www.oaic.gov.au) or on 1300 363 992.