PRIVACY POLICY

What is Personal Information?
Personal information is any information about an individual that identifies them or from which their identity can reasonably be determined.
 This may include name contact details, financial information employment details and credit information.

Why does Elev8 Financial Group Pty Ltd collect personal information?
Elev8 Financial Group Pty Ltd collects personal information that is necessary to provide the products and services we offer. These include finance insurance and other financial services within Australia.
We collect personal information to:
 • assess applications and arrange finance or insurance products
 • collect and exchange credit information to assess eligibility for finance
 • complete business transactions
 • administer accounts and provide ongoing services
 • provide customer support and respond to enquiries
 • meet our legal and regulatory obligations
If we are unable to collect the required personal information we may not be able to provide products or services to an individual or the organisation they are associated with.

Credit Information and Credit Reporting
In connection with providing finance services we may collect and exchange credit information including credit reports and credit eligibility information.
This information may be obtained from or disclosed to:
 • credit reporting bodies
 • credit providers and financiers
 • mortgage managers and aggregators
Credit information is used solely for the purpose of assessing finance applications managing ongoing credit arrangements and meeting our legal obligations under the Privacy Act 1988 and the National Consumer Credit Protection Act 2009.

How does Elev8 Financial Group Pty Ltd collect personal information?
Where possible we collect personal information directly from the individual concerned. This may occur when:
 • an application is completed
 • a product or service is requested via phone email website or other electronic means
We may also collect personal information during the course of our relationship with you for example when:
 • loan arrangements are varied
 • updated or additional information is provided and verified
In some circumstances we may collect personal information from third parties including:
 • credit reporting bodies
 • accountants brokers or professional advisers involved in an application
 • public records or company officers where an individual is an officer of a company applying for finance

Disclosure of personal information
To provide products and services Elev8 Financial Group Pty Ltd may need to disclose personal information to third parties including:
 • service providers contracted to assist us who are bound by similar privacy obligations
 • credit reporting agencies
 • financiers and lenders
 • insurers
 • mailing houses and printers
 • debt collection agencies
These parties are only authorised to use personal information for the specific purpose for which it was disclosed.
We may also disclose personal information:
 • where required or authorised by law such as court orders subpoenas or government agencies including the ATO
 • where the individual has provided consent whether express or implied
At present Elev8 Financial Group Pty Ltd does not disclose personal information to overseas recipients. If this changes we will take reasonable steps to ensure overseas recipients comply with Australian privacy laws.

Direct marketing
From time to time we may use personal information to inform customers about our products services promotions or joint offers with business partners.
Individuals may opt out of receiving marketing communications at any time by contacting Elev8 Financial Group Pty Ltd.
If legislation requires us to provide certain information we will do so even if an individual has opted out of marketing communications.

Keeping personal information up to date
We rely on accurate personal information to conduct our business effectively. We take reasonable steps to ensure personal information is accurate complete and up to date.
From time to time we may ask individuals to confirm or update their information. If you believe the information we hold about you is incorrect please contact us and we will correct it promptly.

Retention of personal information
We retain personal and credit information only for as long as required to provide our services and to meet legal regulatory and record keeping obligations.
When personal information is no longer required we take reasonable steps to destroy or de-identify it in accordance with Australian privacy laws.

Security of personal information
Elev8 Financial Group Pty Ltd takes reasonable precautions to protect personal information from misuse loss unauthorised access modification or disclosure.
Our security measures include:
 • physical security of premises and records
 • restricted access to personal information by authorised staff
 • secure IT systems passwords and access controls

Access to and correction of personal information
Individuals may request access to most of the personal information we hold about them. Requests to access or correct personal information can be made by contacting Elev8 Financial Group Pty Ltd.
We will take reasonable steps to correct personal information to ensure it is accurate current relevant and not misleading.
An access fee may apply where permitted by law to cover the cost of retrieving and providing information.
Access may be refused in certain circumstances such as where access relates to legal proceedings or the request is frivolous or vexatious. If access is refused we will explain the reasons.

Website information collection
When visiting our website we may collect non-identifiable information such as:
 • server address and domain name
 • date and time of visit
 • pages viewed
This information may be collected using cookies to improve website functionality. It is used for statistical and development purposes and does not identify individuals.
Personal information is only collected via the website if an individual submits an enquiry or requests information. Unless otherwise requested this information may be retained for service planning and marketing purposes.

Email communications
While we take reasonable steps to protect information sent via email email is not a secure communication method. Individuals concerned about transmitting personal information electronically may prefer to contact us by phone.

Resolving concerns or complaints
If you believe your privacy has been compromised you may lodge a complaint by contacting the Privacy Officer at Elev8 Financial Group Pty Ltd via admin@elev8financegroup.com.au.
We will investigate and respond as promptly as possible.
If you are not satisfied with our response you may contact the Office of the Australian Information Commissioner on 1300 363 992 Monday to Thursday 10am to 4pm AEST or AEDT or via email at enquiries@oaic.gov.au.

Further information
For further information about Elev8 Financial Group Pty Ltd approach to privacy please contact us at admin@elev8financegroup.com.au.