Privacy
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At Summit Funding, we prioritise your privacy.
Who are we?
In this policy, "we," "us," and "our" refer to Summit Funding ACN 134 548 128 and our affiliated businesses.
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Summit Funding's commitment to protecting your privacy
This privacy policy outlines how we collect, use, maintain, and disclose personal information. It also explains your privacy rights and our rights and obligations concerning the personal and credit-related information we hold about you.
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When you apply for a new product or service, the application form includes a privacy consent. This consent specifies how we may use and disclose your information.
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By signing the privacy consent, you agree to us collecting, using, maintaining, and disclosing personal information provided by you or another person, in accordance with the privacy consent contained in the application form and this privacy policy.
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This privacy policy does not apply to third parties linked or associated with our website. The privacy of the information collected by those website owners is their responsibility, and you should contact them directly for details of their privacy policies.
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What information does Summit Funding hold?
The information we hold about you depends on the type of product or service you request.
Generally, we maintain records of the following types of information about you:
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- Personal information: This includes information that identifies you, such as your name, address, and other details provided by you or individuals nominated by you.
- Credit-related information: If you apply for a loan, credit card, or act as a guarantor, we collect credit information about you and property reports for any property securing your obligations to us. Credit information includes your identity, credit details (such as the type, terms, and maximum amount), repayment history, default information, payment details, new arrangement information, credit infringements, court proceedings, personal insolvency information, and publicly available information. It also encompasses credit eligibility information obtained from credit reporting bodies and any derived information.
- Insurance information: If you apply for insurance, we collect information about the insured item (including health information if relevant), your beneficiaries, and property ownership details for property insurance.
- Account transaction information: This includes information about credits, debits, and insurance claims.
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All the information we collect is necessary for our business purposes, as detailed in this privacy policy and our privacy consent in our Credit Guide.
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We only collect sensitive information (e.g., health information, racial or ethnic origin, criminal record) with your consent and when necessary for our business purposes. If we do collect sensitive information, we will do so in accordance with the National Privacy Principles.
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On occasion, we may act as an agent when collecting information about you, such as for our preferred insurance companies. We will inform you when this occurs.
Throughout our relationship with you, we may gather information about you relating to all products and services provided by us or our preferred suppliers. This information helps us improve our relationship with you.
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How does Summit Funding collect information from its website?
We collect and store information when you:
- Complete an online application or form.
- Provide us with your email address.
- Access and use our services through our website.
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We also gather statistical information about website visitors, such as the number of visitors, page views, transaction types, time spent online, and downloaded documents. Some of this statistical data is collected using cookies, but it does not personally identify visitors. We use this information to evaluate our website's performance and enhance our services.
Unless you provide us with information voluntarily, we do not collect any information about you through our website.
How does Summit Funding generally collect your information?
Generally, we collect personal information directly from you whenever reasonable and practical. We may also obtain information about you from publicly available sources or third parties. For example, you may authorise us to collect information from a third party like your employer
