At Johnson Financial Solutions Pty Limited A.B.N. 52 689 549 068 Trading as Pelagic Capital Partners, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.
We will ask you for personal information when we assist you with your finance. 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 use the information you provide to advise about and assist with your credit needs. We only provide your information to the companies with whom you choose to deal (and their representatives).
We also use your information to send you requested product information and to enable us to manage your ongoing relationship with us e.g. invoicing, client surveys etc. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.
We may occasionally notify you about promotions, new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post. If you would rather not receive this information, email or write to us.
We may also use your information internally to help us improve our services and help resolve any problems.
If you don’t provide us with full information, we can’t properly advise or assist you with your credit needs.
We strive to maintain the reliability, 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 primarily in the cloud-based customer relationship management system provided through our aggregator, Connective (Mercury Nexus), which stores data on secure servers located in Australia. Supporting records may also be held within the cloud-based business systems we use to operate our practice, including our email, electronic document-signing, accounting, and scheduling platforms. Where we retain physical documents, they are stored securely at our business premises.
We ensure that your information is safe by through a combination of technical and organisational measures. Access is restricted to authorised personnel who require it to provide our services, and is controlled through individual login credentials and, where available, multi-factor authentication. The platforms we rely on encrypt data in transit and are maintained by reputable providers with their own security controls. We keep our devices and software current, and we securely destroy or de-identify personal information once it is no longer reasonably required.
Some of the third-party platforms we use to run our business store or process personal information on servers located outside Australia, principally in the United States. These include the cloud-based accounting, electronic document-signing, and scheduling services that support our practice. Where we disclose your personal information to an overseas recipient, we take reasonable steps to ensure it is handled consistently with the Australian Privacy Principles, including by relying on each provider's contractual data-protection commitments and security controls. The core records we hold about your loan are stored on servers located in Australia through our aggregator's customer relationship management system.
We do not sell, trade, or rent your personal information to others.
We may need to provide your information to our credit licensee e.g. for administration and supervision activities, contractors who supply services to us e.g. to handle mailings on our behalf, or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.
We may also provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.
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.
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 may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.
You can unsubscribe ‘opt-out’ by notifying us and we will no longer send information to you.
The information we obtain from you is used, subject to compliance with Australia’s privacy and credit reporting laws, only for the purposes listed in this Consent and is not disclosed to any other person except with your permission or as permitted, or required, by law.
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 Paul Johnson, Principal, 0466 331 049 and email of [email protected].
We do not charge for receiving a request for access to personal information or for complying with a correction request.
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. For more information on your privacy rights please visit www.oaic.gov.au
We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact (insert name and/or title, telephone and email of Privacy Officer).
If you do have a complaint, please let us know by email, because if we don’t know about it we can’t fix it. You may also contact us by email addressed to; The Complaints Officer at Paul Johnson, Principal, 0466 331 049 and email of [email protected].
You should explain the details of your complaint as clearly as you can. Ideally, this should be in writing, however you can lodge your complaint via telephone, in person or online. When we receive a complaint, we will attempt to resolve it promptly.
