Privacy

Police Credit’s Commitment

In handling your personal information, Police Association Credit Co-operative Limited ABN 33 087 651 661 (Police Credit) is committed to complying with the Privacy Act 1988, the National Privacy Principles and the Credit Union Code of Practice. Click here for a copy of our Privacy Policy and Privacy Statement, which are available for download or on request.

Collection and use of personal information

Police Credit collects personal information from you when you apply for membership, when you inform us of any change to personal information we hold about you and when you apply to use our products and services.
Police Credit collects information to enable it to:

 assess your eligibility for membership,

 if accepted, to provide membership benefits to you,

 assess your eligibility for our products and services,

 if approved, to provide you with the products and services you require, and

 provide you with information about products and services available to you from Police Credit and associated businesses including information about discounts, competitions and special offers.

Providing your personal information to other organisations

In providing products and services to you it may be necessary for us to provide your personal information to other organisations with whom Police Credit conducts business.
Such organisations include :

 our legal advisors, accountants and auditors,

 printers and mailing services,

 insurers and mortgage insurers used by Police Credit and re-insurers of any mortgage insurer,

 collection agents, credit reporting agencies, conveyancers, an organisation proposing to fund the acquisition or acquire any interest in any obligation you may owe us (whether under a loan, guarantee or security), that organisation’s agents, persons involved in assessing the risks and funding of the acquisition and after acquisition the purchaser and any manager,

 other financial institutions,

 our agents,

 external payment systems operators,

 other organisations with whom we have an alliance or arrangement for the purpose of promoting our respective products and services, and agents used by us and our business partners in administering such an alliance or arrangement,

 suppliers of goods or services to you in connection with a rewards program associated with a facility,

 contractors and external advisers whom we engage from time to time to carry out or advise on our functions and activities,

 government agencies, such as Australian Prudential Regulatory Authority, Australian Transaction Reports and Analysis Centre and Australian Securities and Investments Commission, which regulate our products and services,

 law enforcement bodies and courts,

 your agents and contractors such as your legal adviser, financial adviser, financial institution, builder, conveyancer and settlement agent or insurers or prospective insurers and their underwriters,

 your executor,

 your administrator, trustee, guardian or power of attorney, your employer, your referees and any other person to the extent deemed necessary by us, in order to deliver any instruction you give us.

Marketing Information

If you consent to us doing so, we may provide you with information from time to time about new products and services available to you from Police Credit, or other businesses with whom we have a relationship.
Your consent to our providing this information to you will be implied unless you notify us that you do not wish to receive this information. You may do this by contacting Member Response on 13 63 73 and advising them that you do not wish to receive marketing information.
Please note: Deposit, insurance or financial planning products or services where contact is made by telephone or an unsolicited meeting will not be covered by this ‘implied consent’ or Privacy Act Opt Out.

What if You Do Not Wish to Provide Us With Information

In order to provide products and services to you we require information about you. If you do not provide us with all of the information we require we may be unable to accept your application for membership or provide products or services to you.
If you are applying for an account governed by the Financial Transaction Reports Act and are to provide account information such as your name and address and/or unable to verify your identity, your account can not be opened and/or as the signatory you may not be able to withdraw funds.

If you are applying for an account or a service governed by the Anti-Money Laundering and Counter Terrorism-Financing Act 2006 and are to provide information such as your name, residential address, date of birth, occupation, country of residency and contact details and are unable to verify your identity, your account or the requested service can not be provided and/or as the signatory you, or your authority to operate, may not be able to withdraw funds.

The Insurance Contracts Act says you and any life to be insured have a duty to disclose information which may affect the insurance company’s decision to grant insurance or the terms of insurance.
Under the Retirement Savings Account Act Police Credit is required to collect information about your identity for the purposes of retirement savings account opening and operation.

If you do not provide us with your Tax File Number there may also be taxation implications for you.

Your Rights

Under the Privacy Act you have the right to access personal information we hold about you. If the information is incorrect, you have the right to require us to amend the information.

Who should you approach if you have a complaint about our compliance with our Privacy Policy or the Privacy Act?

If you have a grievance or complaint, you should contact our Privacy Officer by telephone on 13 63 73 or by mail to PO Box 669 Carlton South 3053.
If you are still not satisfied, you may be able to access the Director of Complaints, Office of Federal Privacy Commissioner which is an impartial and respected alternative to legal action. You may telephone the service on 1300 363 992, write to GPO Box 5218 Sydney NSW 1042 or send an email to privacy@privacy.gov.au.

Further Information

Should you require further information about our Privacy Policy or access to your personal information, please contact Member Response on 13 63 73.

By signing the application instruction form applicable to your product or service, you consent to Police Credit doing these things.