Privacy Disclosure

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In handling your personal information,Purple Circle Financial Services Pty Ltd ABN 21 611 305 170, trading as Purple Circle Financial Services Pty Ltd, Australian Credit Licence 486112,located at 1st Floor, 256 Fitzgerald Street, Perth WA 6000 (1300 366 406),together with its Authorised Credit Representatives (including Sira Finance),are committed to complying with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

How and Why We Collect Your Personal Information

We collect personal information aboutyou to provide broking and related credit services. This Privacy Disclosureexplains how we collect your information, how we use it, and with whom we mayshare it.

Where we collect information thatidentifies you, we will take reasonable steps to notify you of that collection.In some circumstances, we may also be required to collect sensitive information(such as health information) on behalf of a lender when providing creditassistance.

We will collect your informationdirectly from you wherever possible, including through enquiries made when youseek credit assistance. We may verify that information using sources referredto in your responses or described in this Privacy Disclosure.

In certain cases, we may collectinformation from other sources as permitted by the Privacy Act. This will onlyoccur where reasonably necessary, including where:

●     We collect information from third parties relating to a loan or lease for which you seekassistance;

●     We are unable to contact you and rely on publicly available information to update yourcontact details; or

●     We exchange information with your legal, financial, or other authorised advisers.

How We Use Your Personal Information

We may use your information forpurposes including:

●     Providingcredit assistance;

●     Providinginformation about loan or lease products and related services;

●     Assessingyour eligibility for credit or related services;

●     Assistingwith preparing loan or lease applications;

●     Administeringour services, including responding to enquiries or complaints;

●     Verifyingyour identity;

●     Informingyou about other products or services we offer (unless you opt out);

●     Informingyou about suppliers with whom we have arrangements;

●     Managingour business operations and administration;

●     Preventingor investigating fraud, crime, or misconduct;

●     Complyingwith legal and regulatory obligations; and

●     Any otherpurpose to which you have consented.

Providing Your Personal Information to Other Organisations

To provide products and services toyou, it may be necessary to retain and disclose your personal information toother organisations with whom we conduct business. These may include:

●     Our brokergroup and aggregator;

●     OurLicensee (Purple Circle Financial Services Pty Ltd);

●     Lenders,lessors, mortgage insurers, and loan intermediaries;

●     Valuers and service providers assisting with your application;

●     Referrers who introduced you to us;

●     Financial service providers with whom we have arrangements;

●     Fraud reporting agencies;

●     Government or regulatory bodies where required by law;

●     Guarantors or prospective guarantors;

●     Accountants,solicitors, conveyancers, insurers, and real estate agents;

●     Online identity verification providers;

●     Industry bodies, tribunals, or courts in connection with complaints;

●     Your referees (such as employers);

●     Any person considering acquiring an interest in our business; and

●     Any thirdparty where you have provided consent.

Some of these entities may be locatedoverseas.

Sharing Outside of Australia

We or a lender may use overseasorganisations to assist in conducting business. As a result, your personalinformation (including credit information) may be disclosed to organisationslocated outside Australia.

We may also store your informationusing cloud-based or electronic storage systems that may be accessed fromoverseas. It is not always practicable to know in which country yourinformation may be held.

Overseas organisations may be requiredto disclose information under foreign laws. In such circumstances, we are notresponsible for disclosures required under those laws.

Information About Other People

If you provide personal informationabout another person (such as a co-applicant or guarantor), you must informthem that:

●     We have collected their information to provide services;

●     We may disclose their information to the organisations outlined above;

●     We handle their information in accordance with our Privacy Policy;

●     They may request access to our Privacy Policy or to their personal information; and

●     We may not be able to provide services without their information.

If You Do Not Provide Personal Information

If you do not provide the informationwe request, we may be unable to provide the services you require, verify youridentity, prevent fraud, or recommend suitable financial products.

Your Rights

You may request access to the personalinformation we hold about you and request correction of any inaccurateinformation. You may also request a copy of our full Privacy Policy.

Our Privacy Policy is available at:
https://purplecfs.com.au/privacy
Or by contacting us on 1300 366 406.

Complaints Regarding Personal Information

If you are dissatisfied with how yourpersonal information has been handled, please contact us using the detailsabove. We will investigate your concerns promptly.

If you are not satisfied with ourresponse, you may contact:

Office of the AustralianInformation Commissioner (OAIC)
Phone: 1300 363 992
Email: enquiries@oaic.gov.au
Mail: GPO Box 5218, Sydney NSW 2001

Consent to Obtain Credit Information

You authorise us to act as an accessseeker under section 6L of the Privacy Act to obtain credit information on yourbehalf for the purpose of determining suitable credit products.

We may disclose personal informationsuch as your name, date of birth, and address to a credit reporting body (CRB)to obtain an assessment of your creditworthiness.

Credit information may include:

●     Identity information;

●     Credit history and repayment history;

●     Default or overdue payment information;

●     Court judgments;

●     Insolvency information;

●     Fraud investigations; and

●     Serious credit infringements.

Consent to Receive Marketing Information

You consent to us providinginformation about products and services offered by us or related businesses.You may withdraw this consent at any time by notifying us.

Consent to Receive Documents Electronically

You consent to receiving documentselectronically where permitted by law. You acknowledge that electroniccommunications must be regularly checked. This consent may be withdrawn at anytime.

Consent to Audio or Video Recording

You consent to us collecting personal,financial, and credit information via audio or video conferencing for thepurpose of arranging credit and providing credit assistance. You agree thatsuch communications may be recorded for compliance and regulatory purposes.

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