Introduction
Barrett Capital Advisory (ACL 505206) is committed to protecting the privacy of your personal information. This policy outlines how we collect, use, store, and disclose your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
Information We Collect
We may collect personal information including your name, contact details, financial information, employment details, and identification documents. This information is collected when you enquire about or use our services, submit forms on our website, or communicate with us directly.
How We Use Your Information
We use your personal information to assess your lending requirements, submit loan applications to lenders on your behalf, provide ongoing credit advisory services, comply with our legal and regulatory obligations under the National Consumer Credit Protection Act 2009 (Cth), and communicate with you about our services.
Disclosure of Information
We may disclose your personal information to lenders and financial institutions for the purpose of processing your loan application, credit reporting bodies as required by law, professional advisers including accountants and lawyers as directed by you, regulatory bodies including ASIC and the Australian Financial Complaints Authority (AFCA), and third-party service providers who assist us in operating our business.
Transfer of Information Overseas
From time to time, we may disclose your personal information to service providers located outside Australia. This typically occurs when we use cloud-based platforms, software, or outsourced support whose servers or operations are based overseas, including in the United States, the European Union, and other jurisdictions.
Before disclosing personal information to an overseas recipient, we take reasonable steps to ensure the recipient complies with the Australian Privacy Principles, except where you have consented to the disclosure or the recipient is subject to a law or binding scheme substantially similar to the Privacy Act 1988 (Cth).
We will only transfer your information overseas where it is necessary to provide our services to you, or to comply with our legal obligations.
Data Security
We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access or disclosure. Personal information is stored in secure systems with access restricted to authorised personnel only.
Direct Marketing
We may use your contact details to send you information about our services, market commentary, updates to our lending panel, and educational material we believe may be relevant to your circumstances. We will only do so where you have consented to receive such communications, or where we are otherwise permitted by the Privacy Act 1988 (Cth) and the Spam Act 2003 (Cth).
Every direct marketing message we send will include a clear mechanism for opting out. You may unsubscribe at any time by following the link in the email, or by contacting us using the details on our Contact page. We will action any unsubscribe request without charge and as soon as reasonably practicable.
We will not share your personal information with third parties for their own direct marketing purposes without your consent.
Cookies and Website Analytics
Our website may use cookies and similar technologies to improve your browsing experience and analyse website usage. You can manage your cookie preferences through your browser settings.
Accessing, Updating and Correcting Your Personal Information
You have the right to request access to the personal information we hold about you. In most cases we can provide this to you promptly, although we may first need to verify your identity and take reasonable steps to locate the relevant records. Where we decline a request — for example, where providing access would unreasonably impact another person’s privacy — we will provide written reasons.
You also have the right to request correction of any personal information you believe is inaccurate, out of date, incomplete, irrelevant, or misleading. Where we are satisfied that a correction is appropriate, we will update our records as soon as reasonably practicable. Where we do not agree a correction is warranted, we will provide written reasons and, if requested, include a statement alongside the information noting your disagreement.
To make an access or correction request, please contact us using the details on our Contact page. We aim to respond to all requests within 30 days.
Complaints
If you believe we have breached the Australian Privacy Principles, you may lodge a complaint by contacting us. We will investigate and respond within 30 days. If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC).
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our operations, technology, legal requirements, or industry practice. The current version will always be published on this page.
We encourage you to review this policy periodically to stay informed of how we handle your personal information. Your continued use of our services after any changes take effect will constitute your acceptance of the revised policy.