Privacy Statement

Smith Finance Group is a trading name of Smith Finance Group Pty Ltd and is committed to protecting your privacy. We recognise the importance of safeguarding and respecting your privacy, and accordingly have implemented this Privacy Statement to explain our online privacy and security policies.

Information Collection

Smith Finance Group Pty Ltd collects information from the following sources:

• Non-public, personal information you knowingly choose to disclose, which is collected on an individual basis via Internet, fax, phone, or mail.
• Website use information collected on an aggregate basis as you and others browse our website. If you choose to correspond through e-mail, we may retain the content of your e-mail messages together with your e-mail address and all responses sent through our website.
• Information we receive from you on applications or other forms.
• Information about your transactions and your organisations transactions with affiliated and non-affiliated third parties.
• Information from credit bureaus.
• Information we obtain to verify representations made by you, such as your passport, Medicare card, bank account details, as well as organisation details (such as name, ABN, address).
• Information about you and your organisation from public sources and other third party affiliated and non-affiliated sources.

Information Disclosure

Smith Finance Group Pty Ltd may disclose non-public, personal information to non-affiliated third parties such as, but not limited to, collection agencies, as permitted by law. Non-public personal information means information about you and your organisation that we collect in connection with providing a financial product or service to you. Non-public personal information does not include information that is available from public sources, such as telephone directories or government records.

Smith Finance Group Pty Ltd may use information collected via correspondence to send you marketing communications which could include payment notices, account updates, information about website changes, new Smith Finance Group Pty Ltd products and services, and special offers or those of our affiliates. The lists used to send you product and service offers are developed and managed to safeguard personal information.

Cookie and Web Server Information Collection

Cookies help us collect important business and technical statistics that enable Smith Finance Group Pty Ltd to serve you better. The information in the cookies lets us track the various paths followed by users of our website as they move from one page to another while on our website. Web server logs allow Smith Finance Group Pty Ltd to assess site visits and site visit capacity. These methods are not used to capture individual e-mail address or any personally identifying information about you.

Use of Information and Materials

The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorised use of Smith Finance Group Pty Ltd websites and systems including but not limited to unauthorised entry into Smith Finance Group Pty Ltd systems, misuse of passwords, or misuse of any information posted on a site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by Smith Finance Group Pty Ltd and/or its affiliates.

Information Protection and Security

Smith Finance Group Pty Ltd is committed to regularly reviewing developments in security and encryption technologies. As no data transmission over the Internet or via email can be guaranteed as totally secure, Smith Finance Group Pty Ltd cannot guarantee the security of any information you transmit to us or from our online products or services and you do so at your own risk.

Children Online Privacy Protection Act

Smith Finance Group Pty Ltd does not knowingly solicit data from nor knowingly market to individuals under the age of 18. Concerned parents can use readily available software packages to prevent children from accessing websites they deem as inappropriate.

Legally Compelled Disclosure

We may disclose information when legally compelled to do so as required by law, or for protection of our legal rights.

Notice of Furnishing Negative InformationWe may report information about your account and your organisation’s account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your or your organisation’s credit report.

Consent

By using our website, you consent to Smith Finance Group Pty Ltd’s collection and use of your personal information as described in this online Privacy and Security Policy Statement. If we change our online privacy policies and procedures, we will post those changes on our website to keep you aware of what information we collect, how we use it and under what circumstances we may disclose it.