Privacy policy.

Our privacy commitment

Cashtech is a service offered by Trimorph Pty Ltd ABN 87 604 290 931 ("Cashtech", "we", "us", "our"). We are committed to managing your personal information openly and transparently and to keeping it safe. We will endeavour to fulfil this commitment, including by:

1. complying with the Australian Privacy Principles ("APPs");
2. ensuring that we manage your personal information openly and transparently;
3. only collecting personal information that we need in order to offer you the best possible service and advice;
4. telling you how we might use your personal information;
5. letting you know if we need to disclose your personal information to anyone else (including anyone overseas) and the circumstances in which this might occur;
6. keeping your personal information secure;
7. promptly responding to any request not to receive direct marketing material from us;
8. making sure your personal information is accurate and up to date and properly disposing of any personal information no longer required by us; and
9. ensuring that, where appropriate, you can access and correct your personal information.

About this policy

This policy is intended to explain clearly and in plain language some of the key processes and procedures we have implemented to manage your personal information, to protect your privacy, and to comply with the Privacy Act 1988 ("Act") and the Australian Privacy Principles.

References to "our", "us", and "we" in this policy are references to Cashtech. Our website can be accessed through the domain name www.cashtech.com.au ("Website").

This policy gives a broad overview of our approach to privacy. If you require further information you are welcome to contact us, or to read any of the privacy statements or notices that will be issued to you as and when personal information is collected.

You should read this privacy policy before providing us with any personal information or before using our Website. By providing us with your personal information, or by using the Website, you confirm your agreement to the policies and procedures described here.

What sorts of personal information do we collect?

We will only collect from you information that is necessary and relevant to our relationship with you, including to enable us to provide the best possible service and advice.

The types of personal information we collect include, but are not limited to: your name and contact details (phone number, email, residential address), date of birth, driver licence details, and details of your business (including its contact details and Australian Business Number).

The Act places restrictions on collecting sensitive information about you (including information about your religion, political views, ethnicity, criminal records, and sexual preferences). Generally we will not collect this type of information.

Why do we require your personal information?

The main reason we collect your personal information is to assess your application for finance, undertake a credit assessment, and assess your credit worthiness.

We may also use your personal information for other reasons, including to:

1. contact you in relation to particular information or an event you might be interested in;
2. prevent fraud and other criminal activities;
3. assist us in running our business and improving our services and performance, including staff training, accounting, risk management, record keeping, archiving, systems development, and undertaking planning, research, and statistical analysis; and
4. comply with our legal obligations.

There is no obligation for you to provide us with any of your personal information, but if you choose not to, we may not be able to contact you or provide the services you require.

How do we collect your personal information?

We may collect your personal information:

1. directly from you, in person, over the phone, through application forms you have completed, or by email;
2. through our Website; or
3. from publicly available sources, for example the electoral roll, the telephone directory, or other websites.

We will always collect your personal information directly from you unless it is impracticable to do so.

Unsolicited personal information

From time to time we may receive personal information about you that we have not requested. In these circumstances we will only retain such information where it is necessary to do so.

How do we use or disclose your personal information?

We may use and disclose your personal information for the purposes for which it was collected, or for a related purpose such as:

1. in relation to your finance requirements, including to submit your finance application to a prospective lender or credit provider;
2. to consider your requirements and how we can best advise and service you;
3. to enable us to provide our services to you;
4. to carry out or respond to your questions and requirements;
5. to analyse developments and trends in the industry to develop, improve, and market our services to you;
6. for regulatory reporting and compliance with our legal obligations;
7. to regulatory bodies and law enforcement officials and agencies as required, to protect against fraud and for related security purposes;
8. to perform administrative and operational tasks (including risk management, systems development and testing, and staff training);
9. to include in a database compiled by us for use in direct marketing of services and events that we think may be of interest to you;
10. to seek your feedback in relation to client satisfaction and our relationship with you;
11. to monitor or improve the quality and standard of service we provide to you;
12. to consider any concerns or complaints you may raise against us;
13. to better understand your preferences; and
14. to subsidiaries, related bodies corporate, and controlled entities of Cashtech, and to our agents, successors, and assigns, for the uses outlined above.

By agreeing to accept the terms of this privacy policy, and by providing your personal information to us, you are taken to have consented to the use and disclosure of your personal information for the above purposes.

We may also provide your personal information to third parties as outlined in this privacy policy.

Other than as outlined above, we will not disclose your personal information without your consent unless such disclosure is permitted or required by law.

Do we share your personal information with others?

We share your personal information with prospective lenders and credit partners who assist in the provision of credit to you. We may also share your personal information with entities related to Cashtech.

Where we have provided your personal information to third parties, those third parties must safeguard the information and only use it for the purposes for which it was supplied. We will make all reasonable enquiries to try to ensure this is the case.

By providing your personal information to us, you consent to your personal information being shared with third parties as set out in this policy. We will not disclose personal information obtained from you to any third parties, other than those set out in this policy, unless you consent.

Do we use your personal information for marketing purposes?

As part of the services we provide to you, we may:

1. use personal information we have collected about you to identify information or a service that may benefit you; and
2. contact you from time to time to let you know about information or a service we believe you might be interested in.

Where we intend to use your personal information for direct marketing purposes (including those set out above), we will specifically request your consent (generally through an opt-in box on our Website or any application through which we collect your personal information). By providing your personal information to us, you consent to your personal information being included in our database to be used for direct marketing purposes, including those described above. You can opt out, unsubscribe, or make a request not to receive direct marketing communications from us by calling 1800 227 483, by emailing us at [email protected], or by logging such a request through our Website at any time. Each direct marketing communication will include an opt-out or "unsubscribe" option which immediately indicates to us that you no longer wish to receive materials of this kind. If you make such a request, we will stop sending you these materials.

How do we store your personal information?

We hold personal, sensitive, and special categories of information in electronic formats. We have in place reasonable commercial standards of technology and operational security to protect the information we hold from loss, misuse, interference, and unauthorised access, modification, or disclosure.

We take all necessary steps to destroy or permanently de-identify your personal information where it is no longer required, and to protect your personal information from loss, misuse, interference, and unauthorised access, modification, or disclosure.

While care is taken to protect your personal information on our Website, no data transmission over the Internet is guaranteed as 100% secure. Accordingly we cannot ensure or warrant the security of any information you send to us, or receive from us, online. This is particularly true for information you send to us via email, as we have no way of protecting that information until it reaches us. Once we receive your personal information, we are required to protect it in accordance with the Act.

Maintaining your personal information

We take reasonable steps to ensure that:

1. the information we collect about you is accurate, complete, and up to date at the time of collection;
2. when we use your personal information, it is accurate, up to date, complete, and accurate at the time of use; and
3. if we disclose your personal information, it is accurate, up to date, complete, and accurate at the time of disclosure.

How can you access your personal information?

Usually we will be able to provide you with access to your personal information upon receipt of your email request to [email protected], and confirmation of your identity. There are limited circumstances in which we may not be able to provide you with access — for example, where access would pose a serious threat to the life, health, or safety of another person, or where access would unreasonably impact on the privacy of others.

If we deny you access to your personal information for any reason, or if we are unable to provide access in the manner requested, we will provide you with a written notice confirming:

1. the reason for such refusal; and
2. the procedure to complain about the refusal.

We may recover from you our reasonable costs of supplying you with access to your personal information, but we will not charge you for any request you make to access your information.

How can you correct your personal information?

We do what we can to ensure that the information we hold about you is accurate, complete, up to date, relevant, and not misleading. To assist us, please ensure you provide us with correct information at the time you provide it, and immediately inform us if your details change. If we are concerned that any of your information is inaccurate, incomplete, out of date, irrelevant, or misleading — or if you request that we correct any of your information — we will take all reasonable steps to correct the information.

If we refuse to correct your personal information following a request by you, we will provide you with a written notice confirming:

1. the reason for such refusal; and
2. the procedure to complain about the refusal.

We will not charge you for any request to correct your personal information, nor will we pass on to you any costs incurred by us in correcting your personal information or for associating a statement with your personal information.

What if you want to make a complaint?

We are committed to maintaining and protecting your privacy, but it is possible that in limited circumstances mistakes might be made. If you are concerned with the way your personal information has been handled, you are entitled to make a complaint. If you would like to lodge a complaint, please contact our Privacy Officer using the details below.

If your personal information has not been handled in an appropriate way, we will do our best to remedy your concerns as quickly as possible, including by acknowledging receipt of your complaint within 48 hours and trying to resolve it within 10 working days. Where this is not possible, we will contact you within this period to let you know an anticipated time frame within which your complaint will be resolved.

If your complaint is not satisfactorily resolved, you may approach an external dispute resolution service or apply to the Office of the Australian Information Commissioner ("OAIC") to have the complaint heard and determined.

Protecting your identity

Wherever it is practicable, we will provide you with the option not to identify yourself when dealing with us, or to use a pseudonym to protect your identity. Due to the nature of our business however, it will usually not be practicable for us to deal with you anonymously or by pseudonym.

Website

Our Website may contain links to websites which are owned or operated by other parties. You should make your own enquiries as to the privacy policies of those parties. We are not responsible for information on, or the privacy practices of, such websites.

Changes to this policy

From time to time it may be necessary for us to review and revise this privacy policy. We reserve the right to change our privacy policy at any time.

How can you contact us?

Please find our contact details below. Do not hesitate to contact us in relation to any privacy-related concerns and we will use our best endeavours to address any such concerns thoroughly and in a timely manner.

If it is practical to do so, you can contact us without identifying yourself. However, if you choose not to identify yourself, it may be more difficult for us to assist you with your enquiry.

Please note that the Act contains certain exemptions which may permit us to use your personal information in a particular way if specific circumstances arise. Any such exemptions under the Act will take priority over this privacy policy to the extent of any inconsistency.

Express consent to collection, storage, use, and disclosure

In addition to the other consents provided by you above, by agreeing to accept the terms of this privacy policy, or by providing your personal information to us, or both, you are taken to have expressly consented to the collection, storage, use, and disclosure of your personal information for each of the purposes and to all of the parties outlined in this privacy policy.

Cashtech is a service offered by Trimorph Pty Ltd ABN 87 604 290 931. This Privacy Policy should be read alongside our Terms of use, Electronic Authorisation, and Disclaimer.