PRIVACY POLICY

PRIVACY POLICY

OWEN FINANCE GROUP 

 

Effective Date: 15 November 2023

Your Privacy and Owen Finance Group Pty Ltd (ABN 50 668 806 504) (collectively and individually referred to as “Owen Finance Group”, “we”, “us” or “our”).

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WHO WE ARE AND HOW YOU CAN CONTACT US

We are Owen Finance Group an authorised Corporate Credit Representative 551019 under Australian Credit Licence 389328 and we are based in Queensland, Australia. We are committed to protecting your privacy and respecting and upholding your rights when you use this Site. This Privacy Policy applies to the products and/or services we provide on our Site www.owenfinancegroup.com.au (“Site”) and our social media channels, and explains how we collect, hold, use and disclose data and comply with the requirements of the Privacy Act 1988 (Cth) and constitutes part of our Website Terms & Conditions. This Privacy Policy does not cover information that you submit on other websites, even if we communicate with you on those sites. For example, if you post something on Instagram, Facebook, Pinterest, Twitter, or YouTube, that information is governed by the privacy policies on those websites, and is not governed by this Privacy Policy. 

You can contact us for privacy-related questions by contacting us at: bailey@owenfinancegroup.com.au

We will only use your personal information in compliance with Australian Privacy Laws (Privacy Act (1988 (Cth)), Australian Privacy Principles and to the extent applicable, with the EU General Data Protection Regulation (GDPR) and any replacement legislation or regulation or guidelines and standards governing the use, storage or transmission of personal data.

OUR ROLE IN YOUR PRIVACY

If you are a customer, subscriber or just a visitor on our Site, this Privacy Policy will apply to you. 

OUR RESPONSIBILITIES

As we are the providers of the products and services on this Site, we determine how and why your data is processed. We do not sell or rent your details to any third parties. We are committed to protecting your privacy and we want you to know exactly what information is collected and how we use it.

YOUR RESPONSIBILITIES

Please read this Privacy Policy and our Website Terms & Conditions. If you provide us with any data relating to a third party, you confirm that you have the right to authorise us to process that data on your behalf in accordance with this Privacy Policy.

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WHEN AND HOW WE COLLECT DATA

From the moment you visit our Site, we are collecting data, sometimes you might provide this data by completing a form or setting up an account, otherwise we might collect the data automatically. We may also collect data when:

  • You engage our services

  • You interact with us on social media

  • You complete any sign-up forms, landing pages or send us a direct message via social media or an email to any of our nominated emails

  • You participate in events, promotions and giveaways or any request for additional data such as customer surveys

  • You accept our cookies and other tracking technologies on any device you use to interact with us

  • You voluntarily submit your data to us for any reason

TYPES OF DATA WE MAY COLLECT

In order to provide you with our brokering services, advise you effectively, and ensure a seamless user experience, we collect various types of data. Here is an overview of the categories of data we may collect:

  • Personal Identification Information: Name, date of birth, gender, contact information, residential address, and identification numbers such as Driver’s Licence

  • Contact Information: Email address, phone numbers, and if applicable, social media handles

  • Financial Information: Credit history, bank account details, assets and liabilities, income and expenses

  • Employment Information: Current employer, job title, length of employment, and income details

  • Business Information: If applicable, business name, ABN, financial statements, and details of ownership

  • Loan Information: Details about the type, amount, and purpose of loan you are seeking

  • Property Information: Details about properties you own or are interested in, if the finance is related to real estate

  • Transactional Data: Records of financial instruments or services you’ve shown interest in or have procured through us

  • User Experience Data: Feedback, testimonials, and other information related to your interactions with our services

  • Event Participation: Records of your attendance at our financial seminars, workshops, or webinars

  • Technical Information: IP address, login information, browser type and version, time zone setting, browser plug-in types, and versions, operating system and platform

  • Usage Data: Information about how you navigate through our site, including the pages you view, the links you click on, and other actions taken within our platform

USE AND DISCLOSURE OF YOUR DATA

Under data laws, we are only allowed to use your data for specific reasons and where we have the legal basis to do so. 

We will use your data for the purposes it was collected and related purposes which include:

  • Operating our Platform: To manage and maintain the secure and efficient operation of our service platform.

  • Credit Services: To process, evaluate, and complete your loan applications or related products.

  • Client Support: To provide you with customer support, answer your queries, and resolve issues related to our services.

  • Risk Assessment: To assess your financial viability, including credit checks, to determine eligibility for various financial products.

  • Compliance & Fraud Prevention: To detect, prevent or deal with fraud, security, or technical issues and to ensure compliance with legal obligations.

  • Improvements: To improve and personalise your experience with our services based on your interactions with us.

  • Marketing & Research: To contact you for feedback on our services and to inform you about events, new services, or opportunities that may be of interest, subject to your consent.

  • Monitoring Compliance: To monitor your compliance with our Terms and Conditions.

We may disclose your data for the purposes it was collected and also:

  • As Required by Law: To meet legal obligations or to protect our rights or those of third parties.

  • With Your Explicit Consent: For any purposes to which you have explicitly agreed.

  • Within Our Business: Limited to employees and trusted service providers who have a legitimate need to access your data to provide our services.

  • Marketing: To send you marketing material subject to your explicit consent.

  • Promotions and Giveaways: To process your participation in any promotions and giveaways, including contacting you if you win and displaying your name online and on our social media platform.

  • Third Parties: We may share your data with third parties essential to enable us to provide our services to you, subject to appropriate confidentiality and data protection agreements. Some of the recipients to whom we disclose your personal information may provide your details to third parties based overseas. It is not practicable to list every country in which such recipients are located but it is likely that such countries will include the Philippines, India, and Nepal.

GOOGLE ANALYTICS

We use Google Analytics functions. You can find out how your data is collected here and there are instructions here on how to opt-out of Google Analytics data tracking.

Our use of Google Analytics may include but is not limited to display advertising and remarketing. You may see our adverts across the internet, this is due to the use of tracking technologies (cookies) to optimise and serve our adverts based on past visits to our Site. When you log onto our Site, we, with the help of Google Analytics, use your browsing behaviour to connect this with other data that you previously provided to us in accordance with this privacy policy.

META INSIGHTS

We use META Insights to track your interaction with our Facebook page, this will allow us to track usage and improve the performance of our page. We will use META Analytics to better measure, track and understand customer user experience to enable us to improve our products and services that we offer. You can check out Facebook’s privacy policy here, and if you want to opt out of seeing ads on Facebook based on information we have received, you can control this in your ad preferences here.

CHOOSING NOT TO PROVIDE PERSONAL DATA

You can choose not to provide us with any personal data. However, if you do this, we will not be able to provide you with any products or services, however, you can continue to use our Site and browse the pages of our Site.

MARKETING

We will always let you know before we collect any data from you what the intended use is and if we intend to use it for marketing and if third parties are involved we will obtain your consent (which you can withdraw at any time). You can change your mind about marketing material by opting out by:

  • contacting us via email at: bailey@owenfinancegroup.com.au; or 

  • unsubscribing within the email if you have previously subscribed to our newsletter.

YOUR RIGHTS

You can exercise your rights at any time by contacting us via email at bailey@owenfinancegroup.com.au

ACCESSING INFORMATION WE HOLD ABOUT YOU

Within 30 days of receiving your written request and provided you give us sufficient information to identify you and the information you are seeking, we will provide you with the information we hold about you , unless doing so would adversely affect the rights and freedoms of others (e.g. another person’s confidentiality or intellectual property rights). We will tell you if we can't comply with your request and why.

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INACCURATE INFORMATION

You can contact us to ask us to correct any information we hold about you that you believe is inaccurate.

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OBJECTIONS TO USING DATA FOR PROFILING OR AUTOMATED DECISIONS

We may analyse your data to determine the products and services that are most relevant to you, such as tailoring our emails based on your behaviour. However, we will not use your data for any automated decisions that could significantly impact you without your explicit consent or where required or authorised by Australian law. The primary purpose of using your data is to provide our products and services to you effectively.

THE RIGHT TO BE FORGOTTEN

You have the right to request for your data to be erased. This means we have to delete all information that we hold about you, except to the extent of any information we are required to hold due to our legal obligations.

MAKING A COMPLAINT

If you have any complaints regarding how your data is handled, please contact us via email at: bailey@owenfinancegroup.com.au. For more information on your privacy rights visit the Office of the Australian Information Commissioner at www.privacy.gov.au. 

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SECURITY OF THE DATA WE COLLECT

We realise that our customers trust us to protect their data and whilst we cannot guarantee the security of any information you transmit to us, or receive from us, we take that task seriously and maintain reasonable and appropriate physical, electronic and procedural safeguards to help protect your data. This includes the following:

  • Password access to accounts

  • Storing electronic data with reputable third party storage providers who have appropriate security protections

  • Limit access to personal information to individuals who need to know

WHERE WE STORE DATA

The service providers we use are primarily based in Australia. If we transfer personal data outside of Australia, we will ensure that your privacy rights are adequately protected by ensuring these service providers have the same or similar measures in place to protect data shared. 

HOW LONG WE STORE DATA FOR

We will retain your data for as long as it is reasonably necessary for the purposes for which it was collected, and as required by Australian law. The specific retention period will depend on your interactions with us. If you have used our services, we will keep a record of your interactions with us for the period necessary to fulfill our obligations as mandated by applicable laws. Once we no longer require your information for the stated purposes, we will securely delete it or anonymise any data that is no longer necessary, in accordance with applicable Australian privacy regulations.

THIRD PARTIES WHO ACCESS YOUR DATA

We share data with third parties in the following circumstances:

  • Suppliers & Service Providers: Such as payment processors and other technology providers who assist us in operating our service and conducting our business.

  • Professional and Legal Advisors: For consultation, compliance, auditing, and other legal or professional services.

  • Credit Reporting Services: To assess your financial viability and for the purposes of risk assessment and fraud prevention.

  • Credit Providers: For the purpose of securing loans or related services on your behalf.

  • Fraud Prevention and Detection: With entities engaged in fraud prevention and detection.

  • Law Enforcement & Government Authorities: When required to comply with the law, enforce our site policies, or protect our rights, property, or safety, and those of third parties.

  • Marketing and Analytics Partners: For the purposes of custom audience generation and the development of targeting criteria, provided we have your explicit consent.

  • With Your Explicit Consent: For any purposes to which you have explicitly agreed or where we are legally permitted to do so.

AGE OF CONSENT

By using this site, you warrant that you are at least the age of majority in your State or Territory of residence. Our Site should not be used by anyone under the age of majority, and we do not knowingly collect data from anyone under the age of majority.

COOKIES AND HOW TO BLOCK THEM

Our Site uses cookies and similar technologies to provide certain functionality to our Site. “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. Cookies can also be used to analyse traffic and for advertising and marketing purposes. They do not harm your systems and the HELP function in your browser will tell you how to restrict or block the cookies. 

You can turn off cookies by activating the setting in your browser that allows you to do this. You can also delete cookies through your browser settings. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org. If you use browser settings to block all cookies, you may not be able to access all or parts of our Site.

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WEB BEACONS

We may use web beacons (or clear gifs) on our website and in our emails. So basically when we send emails, we can track behaviour such as who opened the emails, who clicked the links and collect information such as your IP address, your browser or email type, we then put this information together to improve the performance of our email campaigns and provide you with better and/or services specific to your needs. You will always have the ability to opt out of any emails we send just click the link in the email that says “unsubscribe”.

GOVERNING LAW

This Privacy Policy and your use of this Site is governed in all respects by the laws of Australia.

UPDATES TO OUR PRIVACY POLICY

Please make sure to check in on our Privacy Policy periodically, as we may update this Privacy Policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons. We will always ensure that the current date of the Privacy Policy also known as the “Effective Date” is prominently displayed at the very top of this Privacy Policy, so you know it's the latest version.