Privacy Policy

1. Introduction

Finance and Beyond is fully committed to safeguarding your personal information. This Privacy Policy outlines how we collect, use, store, disclose, and protect your information in compliance with:

• Privacy Act 1988 (Cth) (Australian Privacy Principles) in Australia.
• Privacy Act 2020 (Information Privacy Principles) in New Zealand.
• Any other applicable privacy and data protection laws.

By interacting with Finance and Beyond, you acknowledge and agree to the practices outlined in this policy.

2. Scope of this Policy

This Privacy Policy applies to:

• Products and Services: All financial services, including loans, insurance brokerage, and investment consultations.
• Digital Interactions: Use of our website, mobile apps, email communications, and social media.
• Third-Party Relationships: Data shared with affiliates, contractors, and service providers.
• Global Operations: All jurisdictions where Finance and Beyond operates.

3. Definitions

• Personal Information: Defined by the Australian Privacy Act and the New Zealand Privacy Act.
• Sensitive Information: Includes racial or ethnic origin, health data, biometric information, and sexual orientation.
• Credit Information: Related to your credit history, including repayment behavior, defaults, and credit inquiries.
• Cookies: Defined in our Cookie Policy.

4. Information We Collect

4.1 Types of Personal Information

We may collect:

• Identity Information: Full legal name, aliases, date of birth, and gender. Government-issued IDs (e.g., tax file number and passport number).
• Contact Information: Residential and mailing addresses, phone numbers, and email addresses.
• Financial Information: Bank account details, credit card numbers, income data, and tax returns.
• Insurance Information: Health records, claims history, family medical history, and lifestyle information.
• Employment Information: Job titles, employment history, salary details, and references.
• Digital Data: Device identifiers, IP addresses, browser types, and usage patterns. Metadata and geolocation information collected during digital interactions.

4.2 Sources of Information

We collect information:

• Directly from You: Through forms, online applications, meetings, and phone calls.
• From Third Parties: Credit bureaus, Veda Advantage, insurers, brokers, and government agencies.
• Automated Technologies: Through cookies, analytics tools, and session tracking.

5. Purpose of Collecting Information

5.1 Primary Purposes

We collect your personal information to:

• Comply with Know Your Customer (KYC) and Anti-Money Laundering (AML) regulations.
• Determine eligibility for financial products such as loans and insurance.
• Facilitate payments, transfers, and account management.
• Meet regulatory requirements under Australian and New Zealand laws.

5.2 Secondary Purposes

• Conducting surveys and market research to improve services.
• Sending newsletters and promotions with your consent.
• Enhancing website functionality through analytics.

6. Use and Disclosure of Information

6.1 How We Use Your Information

• Service Delivery: To provide financial advice, loans, and insurance products.
• Fraud Prevention: To prevent identity theft and fraudulent activities.
• Customer Support: To handle inquiries and complaints.

6.2 Who We Share Your Information With

We may disclose your information to:

• Service Providers: IT vendors, cloud storage providers, and payment processors.
• Regulators: Including the ATO in Australia and IRD in New Zealand.
• Financial Institutions: Banks, insurers, and brokers processing your applications.

6.3 International Data Transfers

Where personal information is transferred outside Australia or New Zealand, we ensure compliance with Standard Contractual Clauses and encryption protocols as detailed in ISO 27001.

7. Data Security

We take extensive measures to secure your data:

7.1 Technical Safeguards

• Encryption: All sensitive data is encrypted during storage and transmission (AES-256 Standards).
• Access Controls: Multi-factor authentication and role-based access restrictions.

7.2 Physical Safeguards

• Secure premises with CCTV Monitoring.
• Document destruction policies, including shredding and secure disposal.

7.3 Administrative Measures

• Regular training programs for employees (OAIC Training Standards).
• Vendor compliance checks for third-party providers (Outsourcing Guidelines).

8. Your Privacy Rights

You have the following rights under Australian and New Zealand laws:

8.1 Access and Correction

• Request a copy of your personal information.
• Request correction of inaccurate or incomplete information.

8.2 Data Portability

You may request your data in a machine-readable format.

8.3 Objection and Deletion

• Object to the processing of your data for specific purposes.
• Request deletion of your data where it is no longer necessary.

9. Cookies and Online Tracking

Our Cookie Policy explains how we use cookies to track website traffic and user behavior, and deliver personalized content and advertisements.

You can opt out of tracking via Google Ads Opt-Out or Facebook Ad Preferences.

10. Complaints

10.1 Internal Complaint Resolution

Submit complaints via:

• Email (Australia): privacy@financeandbeyond.com.au
• Email (New Zealand): privacy@financeandbeyond.co.nz

We acknowledge complaints within two business days and resolve them within 30 days.

10.2 Escalation

If unresolved, you may contact:

• Office of the Australian Information Commissioner (OAIC).
• Office of the Privacy Commissioner (OPC).

11. Updates to This Policy

We review this Privacy Policy annually to ensure compliance with evolving regulations and industry best practices. Changes will be announced via our Website and Email Notifications.

12. Contact Information