We value your trust in us as a member-owned Credit Union. It is important for us to protect and keep your personal information, including your financial information, securely and, as a Credit Union, to keep your financial information confidential. To achieve this we are committed to complying with the requirements of the Privacy Act 1988 and the Australian Privacy Principles (APPs) when we collect, hold and manage your personal information, that is, information that allows others to identify you.
- the kinds of personal information we collect and hold
- how we collect and hold personal information
- the purposes for which we collect, hold, use and disclose personal information
- how the customer can access the personal information we hold
- how the customer can seek to correct the personal information we hold
- how the customer can make a complaint about the way we have collected, held, used or disclosed their personal information
- whether we are likely to disclose a customer personal information to overseas recipients and if so, the countries to which disclosure is likely to be.
It also sets out your privacy rights - what you can do to have information corrected and what to do if you have a dispute with us about your privacy rights.
Personal information we collect and hold
We will collect:
|identification information||your name, date of birth, evidence of identity e.g. passport or driver’s licence number|
|tax file number|
|contact information||your postal and email addresses, phone numbers|
|authorisation information||passwords, passcodes, secret questions, used to confirm your authorisation of a transaction|
|account transaction information||credits and debits to your accounts|
|financial information for loan applications||your assets and liabilities, income and expenses, marital status and dependants, proof of earnings, employment details|
|eligibility information||Information confirming that you are a resident of Australia at the time of opening Membership|
We will only collect personal information that is related to our providing, or arranging others to provide, banking products and services, financial advisory services, financial accommodation, general insurance or travel services to you.
How we collect personal information
Whenever it is reasonable and practicable to do so, we will collect personal information directly from you and when you apply to become our member, apply to open a banking account for the first time or apply for a loan.
We will also ask for your identification information whenever you give us instructions in relation to any of your accounts.
From time to time, we might ask you to confirm your contact information.
When you apply for a loan, we will:
- collect personal information about you from a credit reporting agency
- confirm employment and income information with your employer and, sometimes, your accountant.
How we hold personal information
We hold customer information in our banking system, either as electronic or paper files. As we have a commitment to ensure all personal information is held securely, we have in place security systems to protect information from unauthorised access. We also limit access to our authorised personnel.
Where personal information is no longer needed for any of our functions or activities, we ensure that the information is destroyed securely or de-identified.
Why we collect, hold, use and disclose personal information
We collect and use personal information for a number of purposes, such as:
- providing membership benefits, financial services and products or information about those benefits, services and products
- providing you with information about financial services and products from 3rd parties we have arrangements with
- conducting market or customer satisfaction research.
We also collect and hold personal information as required by law, for example:
- for our register of members
- to verify your identity
- to assess your capacity to pay a loan.
We will also collect information about your loan repayment history – whether you have paid on time, when payments are due and when actually paid.
We will notify you of the main reason for collecting your personal information at the time of collection.
In providing our products and services to you, it may be necessary for us to disclose personal information to other organisations. We only disclose personal information to the extent necessary and to the extent required by law. The types of organisations that we can disclose personal information to are:
- organisations that provide information to verify identity
- solicitors, conveyancers, accountants, brokers and agents representing you
- contractors for statement printing and mail out, card and cheque production, market research or direct marketing
- affiliated product and service suppliers to provide information to you about their services and products (including Queensland Country Health Fund Ltd)
- credit reporting bodies and other financial institutions that have previously lent to you
- persons you use as referees
- your employer, in loan applications
- property valuers and insurers - for property loans
- lenders mortgage insurers
- mortgage documentation service
- trustee and manager of securitised loan programs
- any proposed guarantor of a loan
- debt collection agencies, lawyers, process servers
- our auditors.
We will also disclose personal information to law enforcement and government agencies as required by law or to assist with their enforcement activities.
Disclosure to overseas recipients
We do not currently disclose customers’ personal information to overseas recipients.
How you can access and/or correct your personal information
You can request access to your personal information at any time. If the information we hold is incorrect, you can request us to correct it.
You can make a request by contacting us, by visiting one of our branches or by telephone. Contact details can be found on our website.
We currently do not charge any fees for giving customers access to their personal information. We may however a charge a reasonable fee for providing copies of the requested documents and we will advise you of any cost before the documents are provided.
Making a complaint
We offer an internal complaint resolution scheme which any customer can access at any time without charge. You can make a privacy complaint in the following ways:
- in person at one of our branches
- by calling our Contact Centre on 1800 075 078
- by faxing us on 07 4412 3895
- by email at email@example.com
- in writing to:
Queensland Country Credit Union Limited
PO Box 679
Aitkenvale Qld 4814
We also participate in an external dispute resolution scheme so that customers not satisfied with our handling of their complaint can take the matter there. We will advise you at the time how you may contact the external dispute resolution scheme.