Privacy Policy
1. Introduction
We understand and value the importance of your privacy and thank you for trusting us with your personal information. The website convergentcapital.com.au and all its subpages are owned (either directly or under license) and operated by Cthree Pty Ltd (ABN 50 094 724 204).
This Privacy Policy outlines the collection, use, storage and disclosure of your personal information safely and in accordance with Australian Privacy Principles per the Privacy Act of 1988 and the Australian Privacy Principles (APPs) for the release of personal information. This policy applies to all persons or entities who interact with convergentcapital.com.au over the website, email, phone, in person or in any other capacity.
- How and when convergentcapital.com.au collects personal information;
- What types of personal information convergentcapital.com.au collects;
- How convergentcapital.com.au holds and stores personal information;
- Why convergentcapital.com.au would collect, hold, use and/or disclose personal information;
- What parties may receive your personal information;
- How to access and correct personal information held by convergentcapital.com.au;
- How to make a complaint regarding our handling of personal information;
- Website usage, cookies and third-party websites;
- Our contact details;
- When and how amendments may be made to the Privacy Policy.
2. How and when convergentcapital.com.au collects personal information
We may receive personal information from you as you interact with us over our website, email, phone, in person or in any other capacity.
- Submit a website form enquiring to speak to a finance broker or finance specialist;
- Submit a website form enquiring about advice for financing options for you or your business;
- Contact us requesting enquiring about advice;
- Contact us for any purpose by telephone, via mail, e-mail or online;
- You visit our website (including when you request a quote);
- We supply any other products or services to you; or
- We occasionally collect personal information about customers or potential customers from a third party or a publicly available source, or from marketing and similar lists legally acquired by us.
3. What personal information convergentcapital.com.au collect
- Personal and contact information: Personal information includes your name, address, and contact details including phone and/or email address.
- Business information: This includes your company’s name, ABN, address, and general information about your business that can help us ascertain your financing needs including what industry it operates in, years of operation, number of employees.
- Financial information about you and your business: Financial information includes your financing preferences (including type of finance, amount and term preferences), your company’s financial information (includes all information available in your annual accounts and also other information such as customer payment terms).
- Credit history: We may collect data on your credit worthiness such as your credit score and other information about how you have managed borrowings in the past. We do not run credit checks without your expressed permission.
- Browsing data: We collect information about the browsing behaviour while visiting our website including page views and sources, your IP address, how you found our site, the type of device, browser and operating system you use and information provided through the use of cookies.
- Any other data that will help us best analyse your financing needs.
- Note that personal information that you provide to a third party via convergentcapital.com.au is governed by that third party’s privacy policy.
3.1 Sensitive personal information
4. How convergentcapital.com.au holds and stores personal information
convergentcapital.com.au holds your personal information in electronic form and/or hardcopy. We take the security of your personal data seriously and take steps to ensure that the data is stored securely and is guarded from unauthorised access, modification, or disclosure.
- Security measures for electronic data include passwords, firewalls and virus scanning software to protect your information from unauthorised access.
- Hardcopy data is stored in premises protected by locks and security cameras.
- Internal staff with access to personal information are trained, audited and monitored with regards to our privacy policies.
- Personal information is kept on an as-needed basis only and destroyed or de-identified once no longer required (by law or internal policies).
- Reasonable steps have been taken to ensure your privacy is maintained in the case of overseas storage or transfer of information.
5. Why convergentcapital.com.au collects, holds, uses and/or discloses personal information
- Answer requests from our customers;
- Establish the identity of those who contact us;
- Deliver services to our customers, including finance broking services;
- Provide, maintain and improve our customer service;
- Provide information to our customers about products, services or offers;
- Meet the requirements of our participating providers including banks, non-bank financial services companies and investors;
- Meet regulatory and legal obligations;
- Deal with any legal or commercial complaints and issues;
- Consider job applicants;
- Carry out internal functions including training;
- For direct marketing purposes (see 5.1 below);
- Conduct marketing research and analysis; and
- To analyse and test the performance and operations of our website and social media efforts.
5.1 Direct Marketing
6. What parties may receive your personal information
- Providers who serve our customer’s financing needs including banks, non-banks finance companies and professional and private investors. We encourage our customers to read our participating providers’ privacy policies;
- Professional advisors including finance brokers, finance specialists, lawyers or auditors;
- Contractors including IT service providers, financial institutions or marketing agencies;
- Government or law enforcement agencies, or;
- Any person acting on your behalf including lawyers, trustees or executors.
Your personal information may be disclosed to third parties if required by law, including situations for which you have previously provided your consent. Consent may be considered written, oral or implied from your conduct. In all situations where your personal information is disclosed, we will take all reasonable measures to ensure that these relevant third parties continue to protect your privacy.
6.1 Overseas Disclosure
Some of our contractors and service providers are located overseas and we may therefore divulge your personal information to overseas recipients. This includes recipients in Singapore, the Philippines, the United States, the United Kingdom, New Zealand, India and the European Union.
We use third party platforms to securely store and deliver information, some of which are located overseas. This includes the use of cloud storage.
7. How you can access your personal information and seek its correction
We rely on the personal information we hold in conducting our business and it is very important that the information we hold is accurate, complete and up-to-date. Our Privacy Officer is available to assist you in accessing the personal information we hold about you. If you believe that your personal information is inaccurate, incomplete, out of date, and irrelevant or misleading, please contact our Privacy Officer using the details provided at the end of this document. We will take reasonable steps to investigate and correct any information found to be incorrect. Our investigation may include contacting third parties to investigate your complaint and thus the resolution of any request may take up to 30 days.
Situations, where we would be unable to provide you with your details, include exceptions permitted by law such as if the information would have an unreasonable impact on the privacy of others, is unlawful or prejudice, is related to law enforcement, if the information relates to existing or anticipated legal proceedings and would not normally be accessible as part of those proceedings, or if the request is frivolous and vexatious.
8. How to make a privacy complaint
If you feel that convergentcapital.com.au or one of our contractors has breached Australian Privacy Principles or Codes, please contact our Privacy Officer using the contact information provided at the end of this Privacy Policy. We will endeavour to investigate your complaint immediately and respond within 30 days of complaint.
Should you feel that we have not adequately responded to your privacy complaints, or if you simply want more information about the Australian Privacy Principles or Code, contact the Australian Information Commissioner on 1300 363 992 or visit their website at www.oaic.gov.au.
9. Website usage, cookies and third-party websites
While our website is professionally hosted, please note that there are risks inherent in transmitting personal information over the internet.
We may use cookies to record your usage of the convergentcapital.com.au website that help us improve your experience of the website. We also use cookies to collect aggregated non-personally identifiable data from our website to improve the user experience. We also collect information about website visitors for statistical purposes including server address; date and time of visit, pages accessed, previous visits, etc.
We provide links to third party websites on the convergentcapital.com.au site but we in no way ensure or indemnify users for the practices or content of these websites. The links are informational only and in no way represent an endorsement of that website or service provider. Always read the privacy policy before submitting personal data to any third-party website.
10. Contact Us
11. Amendments to the privacy policy
We will occasionally change this the Privacy to remain up to date with the latest updates and changes to Australian or international codes, laws and/or regulations and to remain in line with latest best practice in terms of privacy principles. We may also change this policy to include any new products or services that we may introduce in the future.
