In this Privacy Policy, ‘us’, ‘we’ or ‘our’ means Finkey Capital Pty Ltd ABN 37 662 168 916 an is an authorised holder of Australian Credit Licence no.550288. We are committed to respecting your privacy. Our Privacy Policy sets out how we collect, use, store and disclose your personal information (including for consumer or commercial credit). We are bound by the Australian Privacy Principles contained in the Privacy Act 1988 (Cth) (‘Privacy Act’).
We may change our Privacy Policy from time to time by publishing changes to it on our website. We encourage you to check our website periodically to ensure that you are aware of our current Privacy Policy. By providing personal information to us, you consent to our collection, use and disclosure of your personal information in accordance with this Privacy Policy and any other arrangements that apply between us.
Personal information includes information or an opinion about an individual that is reasonably identifiable. For example, this may include your name, age, gender, postcode and contact details. It may also include financial information, including your credit card information.
We may collect, use, disclose, hold or manage personal information or do any things set out in this document on our own behalf or as agent of a principal (whether disclosed or not). The information given in this document is given by both us and any principal (whether disclosed or not). Principal’s identity is available on request.
What personal information do we collect?
We may collect the following types of personal information:
We will only collect sensitive information with your consent.
How do we collect personal information?
We may collect these types of personal information either directly from you, or from third parties. We may collect this information when you:
Collection of Information via Vendors:
If you have engaged with a Finkey-accredited Vendor, you acknowledge and consent to the Vendor collecting and sharing your personal and financial information with Finkey for the purposes of assessing your application for finance, including but not limited to verifying your eligibility, processing your credit application, and ensuring compliance with legal obligations. This may include your contact details, project details, and other relevant information required to facilitate the finance application.
If you do not provide the information requested by us, we may not be able to provide you with our services.
There may be occasions when information is collected from third parties, such as a partner or spouse who contacts us on your behalf, from our accredited vendors, from our contractors who supply services to us, through our business partners, from credit reporting bodies or from a publicly maintained record. If you provide personal information to us about someone else, you must ensure that you are entitled to disclose that information to us and that, without us taking any further steps required by privacy laws, we may collect, use and disclose such information for the purposes described in this Privacy Policy. For example, you should take reasonable steps to ensure the individual concerned is aware of the various matters detailed in this Privacy Policy. The individual must also provide the consents set out in this Privacy Policy in respect of how we will deal with their personal information.
We also collect information obtained as a result of credit checks that you authorise us to carry out, as detailed further in our Credit Reporting Policy.
How do we use your personal information?
We use your personal information for the purpose for which it has been provided, for reasonably related secondary purposes, any other purpose you have consented to and any other purpose permitted under the Privacy Act. This may include using your personal information for the following purposes:
Disclosure to Vendors:
You consent to Finkey sharing relevant information about the status of your application, including the outcome, credit limits, and finance purpose, with the Vendor engaged for your project. This disclosure is necessary to ensure the Vendor’s ability to deliver the goods and services financed through the application.
Do we use your personal information for direct marketing?
We and/or our carefully selected business partners may send you direct marketing communications and information about our financial products and services. This may take the form of emails, SMS, mail or other forms of communication, in accordance with the Spam Act 2003 (Cth) and the Privacy Act. By providing us with your personal information, you consent to us and our business partners using your information to contact you on an ongoing basis for this purpose, including by mail, email, SMS and telephone. You may opt-out of receiving marketing materials from us by contacting us using the details set out below or by using the opt-out facilities provided (e.g., an unsubscribe link).
To whom do we disclose your personal information?
We may disclose personal information for the purposes described in this Privacy Policy to:
We may also disclose your personal information to a trusted third party who also holds other information about you. This third party may combine that information in order to enable it and us to develop anonymised consumer insights so that we can better understand your preferences and interests, personalise your experience and enhance the products and services that you receive.
By providing us with your personal information, you consent to us disclosing your information to such entities without obtaining your consent on a case-by-case basis
Disclosure of personal information outside Australia
We may disclose personal information outside of Australia to credit check companies and cloud services providers located in the US, UK, Philippines, Singapore, Spain, Costa Rica, Finland, Mongolia, Israel, Bulgaria, Canada, India, Japan, Mexico and New Zealand.
When you provide your personal information to us, you consent to the disclosure of your information outside of Australia and acknowledge that we may not be required to ensure that overseas recipients handle that personal information in compliance with Australian privacy law. Where possible, we will endeavour to take reasonable steps to ensure that the overseas recipient complies with the Australian Privacy Principals. You accept that we will not be liable for the information once it is disclosed overseas, and you waive your right to make any claim against us under the Australian privacy law in the event of any breach.
Using our website and cookies
We may collect personal information about you when you use and access our website.
While we do not use browsing information to identify you personally, we may record certain information about your use of our website, such as which pages you visit, the time and date of your visit and the internet protocol address assigned to your computer.
We may also use ‘cookies’ or other similar tracking technologies on our website that help us track your website usage and remember your preferences. Cookies are small files that store information on your computer, TV, mobile phone or other device. They enable the entity that put the cookie on your device to recognise you across different websites, services, devices and/or browsing sessions. You can disable cookies through your internet browser but our websites may not work as intended for you if you do so.
We may also use cookies to enable us to collect data that may include personal information. For example, where a cookie is linked to your account, it may be considered personal information under the Privacy Act. We will handle any personal information collected by cookies in the same way that we handle all other personal information as described in this Privacy Policy.
Security
We may hold your personal information in either electronic or hard copy form and your personal information may be stored on behalf of third- party service providers. We take reasonable steps to protect your personal information from misuse, interference and loss, as well as unauthorised access, modification or disclosure and we use a number of physical, administrative, personnel and technical measures to protect your personal information. However, we cannot guarantee the security of your personal information.
Measures that we may take to protect your personal information include, but are not limited to:
Links
Our website may contain links to websites operated by third parties. Those links are provided for convenience and may not remain current or be maintained. Unless expressly stated otherwise, we are not responsible for the privacy practices of, or any content on, those linked websites, and have no control over or rights in those linked websites. The privacy policies that apply to those other websites may differ substantially from our Privacy Policy, so we encourage individuals to read them before using those websites.
Accessing or correcting your personal information
You can access the personal information we hold about you by contacting us using the information below. Sometimes, we may not be able to provide you with access to all of your personal information and, where this is the case, we will tell you why. We may also need to verify your identity when you request your personal information.
If you think that any personal information we hold about you is inaccurate, please contact us and we will take reasonable steps to ensure that it is corrected. We will generally rely on you to assist us in informing us if the information we hold about you is inaccurate or incomplete.
Making a complaint
If you think we have breached the Privacy Act, or you wish to make a complaint about the way we have handled your personal information, you can contact us using the details set out below. Please include your name, email address and/or telephone number and clearly describe your complaint. We will acknowledge your complaint and respond to you regarding your complaint within a reasonable period of time. If you think that we have failed to resolve the complaint satisfactorily, we will provide you with information about the further steps you can take.
Contact Us
For further information about our Privacy Policy or practices, or to access or correct your personal information, or make a complaint, please contact us using the details set out below:
The Privacy Officer Finkey Capital Pty Ltd Phone: 1300 346 539 Email: privacy@finkey.co Mail: Suite 81/26-32 Pirrama Rd, Pyrmont NSW 2009
If you require further information about Privacy laws generally, please contact:
The Privacy Commissioner Office of the Federal Privacy Commissioner Mail: GPO Box 5218, Sydney NSW 1042 Phone: 1300 363 992 Fax: (02) 9284 9666 Internet: www.oaic.gov.au
See the separate Finkey Statement of Notifiable Matters
You Accept ALL Our Terms
By checking any box or highlighting any responsive buttons titled ‘I accept the Privacy Policy, Privacy Statement and Electronic Communication Consent’, ‘I accept all Privacy, Terms and Conditions, Terms of Use, Consents, Advice, Statements, and Notices available on Finkey’s website finkey.co, clicking any ‘acknowledgement’ or ‘acceptance’ buttons after inputting your personal information, clicking buttons labelled ‘apply’, ‘apply now’, ‘submit’, ‘submit application’, ‘agree’, ‘send’, or providing consent to your Vendor, third-party or accredited organisation obtaining your contact information to recommend you to Finkey, you agree to the collection, use and disclosure of your personal information as outlined in this statement.