Disclaimer

Prestige Finance Group Pty Ltd ABN 30 676 296 932
Credit Representative 559412 is authorised under Australian Credit Licence 389328

At Prestige Finance, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.

What information do we collect and how do we use it?

We will ask you for personal information when we assist you with your finance. Personal information may include any sensitive information (including health information) and may include any information you tell us about any vulnerability you may have. We use the information you provide to advise about and assist with your credit needs. We only provide your information to the companies with whom you choose to deal (and their representatives).

We also use your information to send you requested product information and to enable us to manage your ongoing relationship with us e.g. invoicing, client surveys etc. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.

We may occasionally notify you about promotions, new services and special offers, events, or articles we think will be of interest to you. We may send you regular updates by email or by post. If you would rather not receive this information, email, or write to us.

We may also use your information internally to help us improve our services and help resolve any problems.

What if you do not provide some information to us?

If you do not provide us with full information, we cannot properly advise or assist you with your credit needs.

How do we hold and protect your information?

We strive to maintain the reliability, accuracy, completeness, and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.

We store our clients' data using a combination of secure cloud-based and on-premise systems designed for maximum security and confidentiality. All data is encrypted both in transit and at rest, ensuring that your information is protected whether it's being stored or transmitted. Our cloud storage partners are certified under stringent industry standards, such as ISO 27001, guaranteeing that the infrastructure meets the highest security protocols.

Data is stored in isolated environments, meaning each client’s information is kept separate and protected by access controls that prevent unauthorized users from viewing or manipulating it. We also employ redundant storage solutions, meaning your data is backed up regularly to ensure it's never lost or compromised. Regular encryption key rotation adds an additional layer of security, ensuring data remains protected over time.

We ensure that your information is safe by implementing a multi-layered approach to security that includes:

1. Data Encryption: All client information is encrypted both in transit and at rest using industry-standard encryption protocols. This ensures that sensitive data, such as financial details, remains unreadable to unauthorized parties.
2. Secure Access Control: We use strict access controls, ensuring that only authorized staff members have access to client data. Each team member must undergo authentication through secure login credentials and multi-factor authentication.
3. Regular Security Audits: Our systems are continuously monitored and audited by security experts to identify vulnerabilities and ensure that the highest security standards are being maintained. Any weaknesses detected are immediately addressed.
4. Data Anonymization: Wherever possible, we anonymize sensitive information to add an extra layer of protection. This minimizes the risk of exposure in case of a security breach.
5. Compliance with Regulatory Standards: We fully comply with data protection regulations such as GDPR and other relevant financial industry guidelines, ensuring that your information is handled according to legal and ethical standards.
6. Employee Training: Our team undergoes regular security training to stay informed about the latest data protection practices and potential threats, making them well-equipped to handle and safeguard your information responsibly.

By combining these measures, we create a secure environment that protects your sensitive data at every step.

Will we disclose the information we collect to anyone?

We do not sell, trade, or rent your personal information to others.

We may need to provide your information to our credit licensee e.g. for administration and supervision activities, contractors who supply services to us e.g. to handle mailings on our behalf, or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event.  However, we will do our best to ensure that they protect your information in the same way that we do

We may also provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.How can you check, update, or change the information we are holding?

Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend, or delete any personal information that we agree is inaccurate.

If you wish to access or correct your personal information, please us at info@prestigefinancegroup.com.au.

We do not charge for receiving a request for access to personal information or for complying with a correction request.

Your consent

By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided to us for the purposes described above.

Tell us what you think

We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact us at info@prestigefinancegroup.com.au.

Complaints Internal Dispute Resolution

If you do have a complaint, please let us know by email, because if we do not know about it, we cannot fix it. You may also contact us by email addressed to; The Complaints Officer at info@prestigefinancegroup.com.au, please make sure you include as much information as you can.

You should explain the details of your complaint as clearly as you can. You must do this in writing. When we receive a complaint, we will attempt to resolve it promptly.