We take seriously our responsibility for protecting your privacy and the confidentiality of your personal information.
As part of our business we provide a number of services. To properly provide these services it is necessary for us to collect, store and use personal information.
Personal Information is information about and which identifies individuals. It includes information obtained from any source and it will include anything about credit worthiness, standing history and capacity, which under and in accordance with the Privacy Act 1988 (Cth) (Act), may lawfully be exchanged.
Since we commenced business in 1975, we have been collecting and storing such information. You can trust us to handle your personal information in a manner compliant with the Act.
We continue to improve and revise the security and accessibility of personal information we collect and store as new technologies are developed.
We only deal with personal information in the ways described in this policy and the Act.
This policy is current as at June 2018. We may vary this policy from time to time. Any updated policy will be published on our website at www.ilg.com.au/privacy.
The type of information we collect depends on how you use our services as well as the type of relationship we have with you and may include your name, contact details, tax file number, Australian Business Number (ABN), date of birth, financial details, (such as credit card or bank account numbers), business transaction details, credit records and transaction history.
We do not generally collect information that is sensitive personal information. Sensitive personal information includes information about a person's race, ethnic origin, political opinions, health, religious or philosophical beliefs and criminal history. If we request sensitive personal information we are subject to strict requirements in relation to it including to only collect and use sensitive information with consent and for the purposes for which it was collected or otherwise in accordance with applicable law such as the Act.
You might also need to provide us information about other persons (e.g. a referee). If so you represent that, if at any time you supply us with their personal information, you are authorised to do so and you agree to inform that person who we are, that we will use and disclose their personal information as set out in this policy, and that they can gain access to their personal information.
You further acknowledge and agree we may send that person a notice we have collected and hold that person's personal information.
Except where specifically mentioned in this policy, we collect personal information from you directly. For example, we may collect personal information when you apply for membership, open an account, deal with us over the telephone, send us a letter, visit our web site, or when you contact us in person.
Typically we will use information collected for the purposes that you have provided it or for a related secondary purpose.
the provision and offer of membership services.
a financial product or service, we will use this information to create, administer and maintain a financial service relationship.
If we request personal information and you choose not to or you cannot provide us with that information, we may be unable to accept or continue your membership or to provide you with the relevant services you have requested or need.
Subject to any permitted or required disclosures under the Act or as expressly set out in this policy, we will keep confidential all personal information we hold about you.
You agree if you make an application for credit or if you act as a guarantor in respect of credit, we may provide, then in assessing the application (or if relevant in assessing whether to accept you as a guarantor), we may seek and obtain personal information about you from a credit reporting agency, financial institution and may give your personal information to a credit reporting agency or a financial institution.
your sureties and guarantors and prospective sureties and guarantors.
In some cases we may disclose your information to organisations based outside of Australia in order to provide our services to you.
Wherever possible, we deal with such third parties who are bound by the provisions of the Act and Australian Privacy Principles (APP). If this is not possible we will make every reasonable effort to verify that they would otherwise comply with the APP's or we reasonably believe they are subject to laws or contractual obligations which effectively uphold the principles for the handling of personal information that are substantially similar to the APP's.
We use and disclose these numbers only for the purposes required by law.
1.10	If you think the information we hold about you is incorrect or you want to update it.
We rely on the accuracy of the information you provide to us. If you believe or know that information we hold about you is incorrect, out of date or incomplete, please contact us and we will make all reasonable efforts to correct the information.
We take all reasonable precautions to protect your personal information from loss, unauthorised access, modification and unauthorised disclosure. Personal information about your accounts and membership is only accessible by you and by those who are authorised to access it. Only authorised persons have access to your personal information and only for approved purposes. Your personal information can only be amended and deleted by authorised means.
Records that we hold containing your personal information may be in hardcopy documents or electronic data.
Hardcopy documents are secured on our premises and at archive sites by locks and security systems. Electronic data stored on our computers is protected by applicable industry standard computer and network security products, including firewalls, encryption, virus software, as well as user identities and passwords.
Our website uses the appropriate technological industry standards to ensure proper security however, no data transmission over the Internet can be guaranteed to be totally secure.
You may request access to the personal information we hold about you by contacting our Privacy Officer at the details in 1.14.
We will provide you with such access wherever possible and within a reasonable time.
We may apply a reasonable fee for such access, to cover our costs of meeting your request for access.
We ask that any request is stated as clearly as possible and adequately identifies the personal information you are seeking.
Providing access would pose a serious and imminent threat to the life or health of any individual.
Providing access would have unreasonable impact on the privacy of other individuals.
The information sought relates to existing or anticipated legal proceedings between you and us and that information would not be accessible by the process of discovery in those proceedings.
If you believe we have failed to observe the privacy of your personal information, you can register your concern or complaint with our Privacy Officer. We will respond as soon as possible and usually within 2 working days, to let you know the person in our organisation who will be responsible for investigating the matter. If we are unable to resolve the matter within 10 working days we will contact you to let you know its progress and status and when we expect the matter to be resolved.