This is the privacy policy of RIVWEST FINANCE LIMITED ABN 85 073 358 666 Australian Credit Licence Number 386803 (“we” “us” and “our” in this policy).
We also have a policy on management of credit reporting information which is available at our business address at 50 Talbragar Street, Dubbo NSW 2830 or can be requested by telephone.
Our contact details are as follows:
Address: 50 Talbragar Street, Dubbo NSW 2830
Phone: 02 6882 0090
Freecall: 1800 820 090
Fax: 02 6884 7628
Email: admin@rivwest.com
We seek to protect and maintain the privacy, accuracy and security of your personal information. We will comply with the Australian Privacy Principles (“APPs”) in the Privacy Act (Cth) 1988 (“Privacy Act”), the Privacy Act, and, when applicable, the Privacy (Credit Reporting) Code (“CR Code”).
Words defined in the Privacy Act, the APPs and the CR Code have the same meaning when used in this policy.
We may collect personal information about you such as:
We collect information about your accounts and transactions with us. We may also collect information when you use our websites. Please refer to the Websites section of this policy for further details.
If there is another applicant named in a credit application, you may need to provide their personal information, and you warrant that the other applicant has consented to the collection of their personal information for the reasons it is being collected.
We collect personal information in a variety of ways. Mainly we will collect information from you when you knowingly provide it to us by telephone, in person or in documentation such as an application form (which may be an online application). We also collect information when you make a request or enquiry of us.
We may also collect personal information from publicly available sources or third parties, such as a referee provided by you, a credit reporting body or other credit provider, an insurer of your property, or a person selling your debt to us or engaging us to collect the debt.
We collect, hold, use and disclose personal information about individuals when it is necessary for us to carry on our business functions or to comply with laws.
Importantly, in some circumstances if you do not provide the information that we request, we may not be able to provide our services to you or provide them to the same standard.
We may collect, hold, use and disclose your personal information to answer your enquiry and/or provide the information or service that you requested.
We may also collect, hold, use and disclose your personal information:
We may collect your TFN in order to calculate our withholding obligations as authorised by the Taxation Administration Act 1953 and the Income Tax Assessment Act 1936. You are not required to provide your TFN, however if you do not, we may be required to withhold amounts from you and remit them to the Australian Taxation Office.
In the course of conducting our business we may provide your personal information to:
We may disclose your personal information to third parties:
We are unlikely to disclose personal information to overseas recipients.
All personal information held by us will be handled and stored in accordance with our obligations under the Privacy Act.
We will take reasonable steps to:
When you visit our website, we or agencies on our behalf and our internet service provider may monitor and make a record of your visit and log “clickstream data” for statistical purposes, such as your server’s IP address.
This privacy policy is strictly limited to the collection, storage and use of personally identifiable information collected from our customers, in the course of our businesses, and does not apply to any third parties. We have no control over the privacy practices or the content of any third party websites, and assume no liability for the privacy practices of these websites.
On request from you we will provide details of the personal information we hold about you. The release of information is subject to some exceptions such as information relating to existing or any anticipated legal proceedings, together with exceptions provided by the Privacy Act.
Unless unusual circumstances apply, we should provide access to you within 30 days of the request.
We reserve the right to charge a fee for providing access to your information when permitted by law.
To protect your personal information, the request to us must be in writing and can be sent by letter or facsimile or email. All correspondence should be addressed to:
Mail: The Privacy Officer, Rivwest Finance Limited, PO Box 1192, Dubbo 2830Fax: 02 6884 7628Email: admin@rivwest.com
Our objective is to respond to any request within a reasonable timeframe.
We also aim to ensure that your personal information is accurate, up to date and complete. Amendment of personal information will be conducted upon written or verbal request from you. You can contact us on 02 6882 0090 or write to The Privacy Officer to do this.
Business without identifying you
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 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.
We are committed to the protection of your privacy and personal information. Complaints you may have about your personal information can be lodged by using the contact details above.
We will attempt to resolve any complaint within 10 working days. If resolution is not possible within this timeframe we will contact you to discuss the matter further.
You also have the right under the Privacy Act to make a complaint to the Information Commissioner.
This policy is subject to change over time without prior notice. We may amend this policy by updating this posting.
You can ask us to provide you with a copy of this policy, including a hard copy, by contacting us using the contact details above.
Date updated: 24th September 2019