Privacy Policy
As a finance company, we respect the privacy of our clients and we are committed to keeping your personal information accurate, confidential, secure and private. We have adopted the following Privacy Policy to ensure that we continue to meet our commitment to your privacy.
When you use our services, you’re trusting us with your information. We understand this is a big responsibility and we work hard to protect your information and put you in control.
Our Privacy Policy governs how we collect and use your personal information. This policy explains how we respect your right to privacy in accordance with the Australian Privacy Principles contained in the Privacy Act 1988 (Cth).
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We collect personal information when you provide it to us in the course of using our Website or by having a conversation with any representative at 5C Capital Advisory. "Personal Information" means information about an identifiable individual. This may include, without limitation, the individual's name, home address, age, income, credit history or other financial information, personal preferences and other information about his or her family.
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In the course or providing financial services to customers we routinely share this information with others such as credit reporting companies, financial institutions and suppliers as well as others who are directly involved in the finance process. We will only share your information for credit reporting purposes with your express written consent.
5C Capital Advisory is accountable for all Personal Information in its possession or custody, including Personal Information disclosed to third parties for purposes of providing services requested by you.
5C Capital Advisory will inform you of the purposes for which it is collecting any Personal Information, before or at the time the information is collected.
5C Capital Advisory will obtain your consent before or when it collects, uses or discloses your Personal Information. Consent can be express, implied, or given through an authorised representative. You may withdraw your consent at any time (subject to any legal consequences of which you will be informed). 5C Capital Advisory, however, may collect, use or disclose Personal Information without your knowledge or consent in exceptional circumstances where such collection, use or disclosure is permitted or required by law.
The information collected by 5C Capital Advisory will be limited to those details necessary for the purposes it has identified to you or to perform the services you have requested. Information will be collected by fair and lawful means.
Personal Information will only be used or disclosed for the purpose for which it was collected unless you have otherwise consented. Personal Information may only be retained for the amount of time needed to fulfill the purpose for which it was collected. In certain exceptional circumstances, 5C Capital Advisory may have a legal duty or right to disclose Personal Information without your knowledge or consent with respect to matters that concern the company's or the public's interest.
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Personal information may include any sensitive information (including health information) and may include any information you tell us about any vulnerability you may have. We use the information you provide to advise about and assist with your credit needs. We only provide your information to the companies with whom you choose to deal (and their representatives).
5C Capital Advisory will keep Personal Information as accurate, complete and current as necessary to fulfill the identified purposes for which it was collected. You may have this information amended where it is found to be inaccurate or incomplete.
5C Capital Advisory gather and use Personal Information in order to provide you with the products and services you have requested, namely: information that is required to effectively provide financial services and to ensure that you are satisfied with the products and services we have provided. We may also use your Personal Information to update you about our services and to offer you additional products or services that you may be interested in, so that we may continue to serve your needs.
We use Personal Information for four general purposes:
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To communicate with you in order to provide you with our products and services
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For inclusion in documentation relating to your particular financial transaction/s
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Transactional information to monitor our level of service and report back to you to ensure your satisfaction with the provision of such services
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For internal administrative, marketing, planning, product development and research requirements
We will only use Personal Information for the purpose that we have disclosed to you. If we want to use your information for a different purpose, we will notify you and ask for your consent first.
5C Capital Advisory are obliged to keep your Personal Information confidential except under the following circumstances:
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i. When Authorised by You
Many of the services offered by 5C Capital Advisory require us to obtain Personal Information about you in order to perform the services you have engaged us to provide. We will always obtain consent from you first, and we will never use the information for purposes other than those we have told you about.
You may withdraw your consent at any time, subject to any legal implications (which we will inform you about). In some cases, if you do not consent to our use or disclosure of certain Personal Information, we may be unable to continue to provide all or part of the services you have requested.
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ii. When Required by Law
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The type of information we are legally required to disclose usually relates to government tax reporting requirements. However in some cases, such as under a court order, we may be required to disclose certain information to persons specified in the court order. We will only provide the specific information requested and only upon being satisfied that the authorities have legitimate grounds to request the information.
With Whom We May Share Your Information
i. 5C Capital Advisory employees
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In the course of daily operations, access to sensitive Personal Information is limited to our employees with a legitimate reason for accessing it. Unauthorized use or disclosure of confidential client information by any employee of 5C Capital Advisory is prohibited and may result in disciplinary measures by us such as termination of employment.
ii. Third Party Suppliers
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As you may know, we may engage and coordinate third party suppliers to provide you with certain services offered through us. Such suppliers are only given the information that is needed to provide the specific service for which we contract them to provide. Suppliers are obliged to protect the confidentiality of your Personal Information and are prohibited from doing anything with this information that we have not authorised them to do. They are required to treat your Personal Information in a manner consistent with the 5C Capital Advisory Privacy Policy.
iii. Sale of Business
We may transfer your personally identifiable information to a third party in connection with a sale, merger or other disposition (whether of assets, stock or otherwise) of our business.
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At any time, you may ask us to give you a list of the personal information we hold, and copies of that personal information. We will endeavour to provide you with the data within 30 days of receiving your request. We may incur costs in giving you that information, in which case we reserve the right to charge you a reasonable fee to cover those costs.
If you believe that we are holding inaccurate or incomplete data about you, you may ask us to correct it. We will take reasonable steps to destroy or de-identify your personal information when your personal information is no longer required for our business functions.
We take all reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or exposure. All 5C Capital Advisory staff are required by the terms of their employment to maintain the confidentiality of customer information. Access to your information is restricted to those employees whose job requires that information. Access to our computer systems is restricted through password protection, internet firewalls and routers.
If you have any questions, concerns or complaints about your Personal Information, or about our mortgage broker Privacy Policy, please contact us.
5C Capital Advisory
13/575 Bourke St,
Melbourne CBD,
Victoria 3000, AU
P: (03)9676 9996
ABN: 53 643 197 157
ACL: 389328
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