At Conquest Finance Group, we are committed to protecting your privacy in accordance with the Privacy Act 1998 (Cth). In handling your personal information, DMC Capital Group Pty Ltd ABN 25 645 075 869 and its individual representatives (“the Broker/s”) are committed to complying with the Privacy Act 1988 and the Australian Privacy Principles.
The Brokers are authorised as credit representatives of NQNF Finance Pty Ltd, Australian Credit Licence 501177. Any references to “we, us, our” are to the Broker and will include reference to our aggregator, Connective Broker Services Pty Ltd and any of its related companies (“Connective”).
This Privacy Policy describes our current policies and practices in relation to the collection, handling, use and disclosure of your information. It also deals with how you can access the personal information we hold about you, ask us to correct it, or make a privacy related complaint.
When you ask us to assist, you agree we can, consistent with Australia’s privacy and credit reporting laws, collect, use and exchange consumer and/or commercial credit and personal information (“information”) about you for those purposes.
We may collect information about you to:
The personal information we collect may include a broad range of information from your name, address, and contact details to other information about your qualifications, employment history and financial information.
We use the information you provide to advise about and assist with your credit needs, including the preparation and submission of loan applications.
“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 may use that information to assess your application and, where appropriate, to source a suitable credit provider or lessor and / or insurance provider. We may, as appropriate:
Some of the recipients to whom we disclose your personal information may be based overseas. It is not practicable to list every country in which such recipients are located but it is likely that such countries will include the Philippines, India and Nepal.
We also use your information to send you requested product information and to enable us to manage your ongoing relationship with us. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.
From time to time, we will use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send this information to you.
We may also use your information internally to help us improve our services and help resolve any problems.
Our teams priority is to you, their customer. We require our brokers place your finance needs above those of anyone else.
Our brokers are required to be transparent about products, your options, applicable fees, and charges as well any conflicts of interest. They will communicate in simple to understand language and act with the highest standards of integrity. They are committed to ensuring the product selected will meet your needs, requirements and be in your best interests at the time of assisting you obtaining finance.
We strive to maintain the relevance, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements
We hold the information we collect from you in our customer relationship management system, Mercury. In some cases, your file is archived and sent to an external data storage provider for a period of time. We only use storage providers located in Australia who are also regulated by the Privacy Act.
We ensure that your information is safe by recording your information in our secure database. We maintain physical security over our paper and electronic data and premises by using locks and security systems.
As your broker, we require the information we collect from you to assess your credit or guarantor application or the credit application of a company of which you are a director, to source a suitable credit provider and any required insurances and to manage the application process, where required. If you do not provide the information sought, we may be unable to process your application, or the company’s application, or we may be limited in the other services we can offer you or the company.
We strive to maintain the relevance, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.
We ensure that your information is safe by recording your information in our secure database. We maintain physical security over our paper and electronic data and premises by using locks and security systems.
We take all reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or exposure. All Connective 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 premises and computer systems is restricted through locks, password protection, internet firewalls and routers.
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 do not sell, trade, or rent your personal information to others.
As part of providing our services to you, we may undertake tasks for a credit provider which are reasonably necessary to manage the application process. When doing so, we are acting as agent for the credit provider, with the same privacy law requirements applying to both of us. We may submit your application to one or more credit providers. The full list of the lenders (credit providers) we have access to is substantial. You may request, in writing, a list of our top 6 lenders and a list of the lenders individual brokers are accredited with. A credit provider, to whom we submit an application, may disclose information about you to, and collect information about you from, one or more CRS.
From time to time, we may need to provide your information to contractors who supply services to us e.g. to handle mailings on our behalf, external data storage providers or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event. However, we will take reasonable steps to ensure that they protect your information as required under the Privacy Act.
We may also provide your information to others if we are required to do so by law. You consent to this mandatory disclosure which the Privacy Act permits.
Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.
If you wish to access or correct your personal information please write to Donna-Marie Colgan: [email protected]
By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided to us for the purposes described above.
We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact Donna-Marie Colgan: [email protected]
Conquest Finance Internal Dispute Resolution
If you have a complaint, please let us know in writing via email and provide as much information as possible to help us resolve your complaint swiftly. Please address your complaint to:
The Complaints Officer
Donna-Marie Colgan
Where you feel your complaint has not been satisfied, you may escalate your complaint to the credit licensee in writing. Please provide sufficient information as to the steps you have taken to resolve your complaint via the above Conquest Finance Internal Dispute Resolution process. Please address your complaint to:
Alana Magee, NQNF Finance Pty Ltd
We hope that you will be satisfied with how we deal with your complaint. However, if your concerns remain unresolved, or you have not heard from us within 30 days, then you can have your complaint heard by an independent party. The complaint can be lodged with the Australian Financial Complaints Authority (AFCA):
Phone: 1800 931 678 (free call)
Email:[email protected]
Website:www.afca.org.au
Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.
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