Privacy Policy

1. Privacy Form

1.1

This Privacy Form (“Privacy Form”) applies to the collection, use, storage and disclosure of personal information by Business Growth

 Finance Pty Ltd A.C.N. 638 603 040 collectively referred to as “we”, “our”, “us” and “Business Growth Finance (BGF)”, and including our

employees, contractors, agents and assigns.

1.2

Business Growth Finance is committed to providing you with a quality service and handling your private information fairly and lawfully. We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles as set out in the Privacy Act.

2. Business Growth Finance (BGF)

Business Growth Finance offers commercial finance solutions and services, and maintains a website (the “Site”) which includes information about Business Growth Finance and the services we provide. The Site may also include general resources such as news articles.

3. Collection of Personal Information

3.1

We may collect personal information from you as required in order to provide you with access to the Site and to provide services to you, and as otherwise required by law. The personal information which we may collect may include, but is not limited to;

a)      Information about your identity, such as name, address and contact details;

b)      Financial and credit information;

c)      Photographic information such as your identity documentation;

d)      Tax file numbers and prior tax returns;

e)      Visa, work permit or foreign investor status;

f)       Details of investment, superannuation and insurance plans;

g)      Salary and employment history;

h)      Trust, company and other business and family structure documents; and

i)       IP address and information regarding what pages of the Site are accessed and when.

3.2

We will not collect sensitive information unless it is for the primary purpose of the service we are providing and with prior notice to you, unless otherwise required by law.

3.3

You acknowledge that the personal information which we collect is reasonably necessary for us to provide our services to you and/or for us to comply with our professional obligations. Although you have the option of not identifying yourself or using a pseudonym, we do not recommend this as it will greatly limit or prevent our ability to provide services to you.

3.4

Where reasonable and possible, we collect personal information directly from the individual to whom the personal information relates via methods such as client questionnaires, telephone conversations, email correspondence and face to face meetings. You acknowledge and agree that we may also collect personal information about you from other organisations for the purpose of providing our services to you, including credit information from a credit reporting body. All such personal information will be managed in accordance with the Privacy Act and this Privacy Form.

3.5

You acknowledge that our server automatically collects information about your use of the Site. This “Navigational Data” includes the type of browser you are using, your IP address, the URL you have come from and the time spent at that URL, cookies and your domain type and server. We use this information to monitor your use of the Site.

3.6

You acknowledge that when using the Site, cookies will be placed on your device to keep track of your use of our Site, designed to provide a better user experience for you. Cookies do not capture or track any personal information, however you may elect to set your device so that cookies are not so placed. 

3.7

You acknowledge that our Site may contain links to third party websites and mobile applications, for your convenience. You acknowledge that we do not have any control over how third parties manage their websites and mobile applications and we recommend that you review their respective privacy policies. 

3.8

You acknowledge that if you provide personal information to us about a third party, you will have first taken reasonable steps to make that third party aware of the matters referred to in this Privacy Form and you are warranting to us that you have their consent to the collection, use and disclosure of that personal information. All such personal information will be managed in accordance with the Privacy Act and this Privacy Form.

4. Holding of Personal Information

4.1

We hold personal information in hard copy and electronic formats. We have stringent security measures in place relating to both the physical and technological information we retain, including a firewall system on our computers, password protection for our software systems and restricting access to electronic files to only the employees directly involved in your matter. 

4.2

To comply with our service obligations, our document retention policy is to keep all communication records and records relating to current and past clients for a minimum of 7 years, and records relating to Self-Managed Superannuation Funds for a minimum of 10 years. Certain documents, such as a Will or Power of Attorney, may be kept in our records indefinitely. As retention will depend on the service provided, we recommend asking our office how long your file will be retained if you have any concerns.

4.3

Unfortunately, the transmission of information via the internet is not completely secure. Although we will take all reasonable steps to protect your personal information, we cannot guarantee the security of your personal information transmitted to us electronically and any transmission is at your own risk.

4.4

Upon receiving your personal information we will take all reasonable steps to ensure that it is secure from any unauthorised access, misuse or disclosure. However we do not guarantee that personal information cannot be accessed by an unauthorised person or that unauthorised disclosure will not occur.

5. Use and Disclosure of Personal Information

5.1

We endeavour to only use personal information held about you for the primary purpose of providing our services to you.

5.2

Your personal information may be shared between Business Growth Finance ,operate through two aggregators, Australian Finance Group Pty Ltd (“AFG”) and National Finance Choice Pty Ltd (“NFC”), when dealing with Business Growth Finance your personal information may also be shared with AFG and/or NFC.

5.3

We may disclose personal information held about you;

a) To such other third parties as may be required in connection with our providing services to you (which may include government agencies; entities who provide finance or other products, or to whom an application has been made for such finance or products; financial consultants, accountants, lawyers and advisers; any of our associates, related entities or contractors; referees such as your employer to verify information you have provided; any person considering acquiring an interest in our business or assets; and any organisation providing online verification of your identity).

b) With your prior consent;

c)  If we are under a duty to disclose your personal information in order to comply with any legal obligation, or to protect the rights, property or safety of Business Growth Finance, its clients or others (including in response to any complaint regarding our services); or

d) As otherwise required or permitted by law.

5.4

If within your course of business with us we aid in the application of credit and mortgage services, we may need to obtain a credit report. The Privacy Act limits the information we can give to credit bodies in the process of obtaining a credit report. Any credit information obtained will be treated as private personal information and will be subject to our stringent standards as outlined in this Privacy Form. We recommend discussing with your mortgage broker what information will be shared and what this could mean for you. 

5.5

We may also use and disclose personal information held about you for secondary purposes which are related to the primary purpose of providing services to you. You acknowledge and agree that those secondary purposes may include;

a)      Recommending a service offered by Business Growth Finance or a trusted referral partner which we believe may be of interest to you;

b)      Sending you regular updates or newsletters by email or post; 

c)      Notifying you of any changes to our business or other news which may be relevant to your circumstances; and

d)      Contacting you for sales purposes;

which you may at any time decline to receive by notifying us by email or phone.

6. Cross-Border Disclosure

6.1

Business Growth Finance will not share your information with third parties internationally, except to the extent that Business Growth Finance engage an offshore processing team. The likely areas, type of information disclosed and likely recipients are indicated, so far as is practicable, in the table below;