Privacy Policy

‘We’, ‘us’, and ‘our’ refer to VMax Investment Family Trust (ABN 38 756 971 898, Australian Credit Licence Number 384704) and all of its Australian wholly-owned subsidiaries.

This privacy policy (Policy) outlines how we collect and use your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

We will collect and handle your personal information in accordance with our legal obligations, including those under the Privacy Act and the Australian Privacy Principles. In addition, where a Finsure Finance and Insurance Pty Ltd member handles credit information, it will be bound by Division 3 of Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code 2014.

This Policy describes how your personal information and, where applicable, credit information is collected, used, disclosed, and held by members of Finsure Finance and Insurance Pty Ltd.

Why We Collect Personal Information

We will collect and hold your personal information for purposes such as:

Complying with any legal or regulatory obligations imposed by regulators, including those under anti-money laundering and counter-terrorism financing laws or laws relating to comprehensive consumer credit reporting.
Assessing your application for finance and managing that finance.
Letting you know about our other products and services.
Direct marketing (unless you opt-out).
Managing our relationship with you.

Information We Collect from You

We may ask you to provide personal information including but not limited to:

Personal and contact details such as your name, phone number, residential or postal address, email address, and date of birth.
Documentary evidence to verify your identity, such as a certified copy of your driver’s licence or passport.
Australian Governance-related identifiers and identity documents such as your Tax File Number and country of tax residency.
Financial details such as employment, income, assets, and financial liabilities.
Information needed to provide our services, such as your bank account details.
Credit information, including credit checks and repayment history.

If you apply for insurance, we may also collect health information, but only with your consent.

Information We Collect from Others

We may collect additional information from third parties, such as:

Credit reporting bodies.
Public sources like public registers.

If you apply for credit, we may obtain a credit report from a credit reporting body. We may also collect information about you that has been made available by third parties who are permitted to provide your data.

How Personal Information is Collected?

The personal information we collect about you comes primarily from you. We may also collect information from other sources such as finance brokers, accountants, or public registers.

We do not collect any personal information unless you knowingly provide that information or authorize a third party to provide it. Any information collected from publicly available sources will be protected similarly to voluntarily disclosed information.

If you provide personal information about someone else, you must ensure you are entitled to disclose that information and that the other person has consented to you providing their information.

Can You Deal with Us Anonymously?

In general, you can visit our website without telling us who you are. However, if you request services that require identification, we will inform you of any legal obligation to provide your information.

How We Use and Disclose Your Personal Information?

We use and hold your personal information for purposes including:

Assessing your application for finance and managing that finance.
Providing the financial product you seek.
Handling complaints you may have.
Any other purpose permitted by the Privacy Act or for which you have given consent.

Disclosure of Personal Information

We may disclose your information to entities such as:

Credit providers, finance brokers, lawyers, accountants, or anyone representing you.
Government regulators like ASIC or AUSTRAC.
Overseas entities providing support functions.
Prospective funders or other intermediaries regarding your finance requirements.

Direct Marketing

We may use your personal information for direct marketing purposes, but you can opt out at any time by contacting us.

Credit Information

Credit information includes any outstanding finance, your repayment history, and any defaults.

Security of Collected Information

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorized access. We have policies and procedures in place to ensure its security.

When your personal information is no longer required, we will securely destroy or de-identify it, unless required to retain it by law.

Cross-Border Disclosure

Your personal information may be disclosed to associated entities, contractors, or unaffiliated service providers in overseas jurisdictions. Finsure ensures that any overseas recipients comply with the Australian Privacy Act.

Access to and Correction of Personal Information

You have the right to access and correct your personal information by contacting us. We will respond within 30 calendar days.

Lodging a Complaint

If you have a question or complaint about how we handle your personal information, contact us using the details provided at the end of this Policy. If you are unsatisfied with our response, you can contact the Office of the Australian Information Commissioner.

Changes to this Policy

This Policy may change from time to time. The latest version will be published on our website.

For access, correction, or complaints regarding your personal information, contact us at:

Email: complaints@finsure.com.au
Phone: 1300 346 787 (Option 3)

Mail: Compliance
Finsure Finance and Insurance Pty Ltd
Level 27, 10 Carrington Street,
Sydney NSW 2000

If you are not satisfied with our response, contact the Office of the Australian Information Commissioner:

Email: enquiries@oaic.gov.au
Phone: 1300 363 992

Mail: Office of the Australian Information Commissioner
GPO Box 5218,
Sydney NSW 2001