CGA Consulting

CGA Finance Privacy Policy

What Information do we collect?

We collect most personal information directly from you, whether in person, on the phone, electronically or if you deal with us in some other way.

When we refer to personal information, we mean information or an opinion from which your identity is reasonably apparent. Typically, this will refer to:

Credit related information - information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.

Identification Information - this may include your name, date of birth, address, account details, occupation, and any other information we may need to identify you. If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law. We will never use a government identifier in order to identify you.

Financial information - information required for making credit-related decisions, such as credit reports from credit reporting bodies (CRBs), bank account information, employment status, income and expenses, assets and liabilities and credit and loan repayment history. We may also collect the ages and number of your dependants and cohabitants as part of any finance application.

Sensitive Information - the personal information we collect may also include sensitive information — such as information about your religion, ethnicity, health, or criminal record. The Privacy Act protects your sensitive information and we will generally only collect this information from you if it is reasonably necessary and with your consent.

Why we collect your information

We collect your personal information for the purposes of assessing your application for finance and managing that finance. This allows us to:

How we collect your personal information.

We may collect personal information in a number of ways, including:

How we disclose your personal information

We may use and share your information with other organisations for any purpose described above.

We may share your information with:

We may share your information with third parties in relation to services we provide to you or goods or services in which we reasonably consider you may be interested. Those third parties may include:

You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable.

What happens if you don’t provide information

If you don’t provide your information to us, it may not be possible to:

Sharing outside of Australia

We may use overseas organisations to help conduct our business. As a result, we may need to share some of your information (including credit information) with such organisations outside Australia. The countries in which those organisations are located are:

We may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held. If your information is stored in this way, disclosures may occur in countries other than those listed.

Overseas organisations may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure.

Information about other people

If you give information to us about another person (like your co-applicant) in relation to the services we provide, you will let that other person know that: