PRIVACY POLICY

This Privacy Policy applies to Driven Finance Group Pty Ltd (ACN 120 668 377), Driven Property Group Pty Ltd (ACN 628 182 650),  and all its directors and representatives (we, our or us). This document explains our policy in relation to the collection and management of personal information we collect from individuals.  The Privacy Act 1988 requires us to handle personal information in accordance with the Australian Privacy Principles (APP). 

Our services

Driven Finance Group holds an Australian Credit Licence (ACL 425835) and provides credit-related services, including credit assistance, loan processing, administration and related support services.

 Driven Property Group (Triennial License No. RA76998) provides real estate agency , including:

• residential property management and leasing;
• sales of residential and commercial property on behalf of vendors; and
• related real estate and property advisory services.

Collection of information – What is collected and why we collect it.

Personal information means information, or an opinion about, an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.  

When providing credit services, Driven Finance Group may be required by the National Consumer Credit Protection Act 2009 and regulatory requirements to seek to obtain certain personal information about you, including, but not limited to, your:

• name, date of birth, contact details and tax file number;
• employment details and employment history;
• information about your financial situation, needs and objectives; and
• information about your credit history, employment history, employment circumstances, family commitments and social security eligibility.

When providing real estate agency services, Driven Property Group may collect personal information including:

• identification and contact details of landlords, tenants, buyers, sellers and guarantors;
• tenancy application information, rental history and references;
• information relating to property ownership, leasing, inspections and maintenance;
• transaction details relating to property sales or leases; and
• bank account details for rent, bond, fees, disbursements and sale proceeds.

Sensitive information

We may also need to collect sensitive information includes health information, racial information, genetic information, etc. 

We do not typically obtain sensitive information from you.   In the unlikely event that we do collect sensitive information from you, we will only collect sensitive information that is reasonably necessary for us to perform our functions or activities in advising you, acting for you and dealing with you and consented to by you.

How is information collected? 

We collect personal information in a number of ways, including: 

• directly from you such as when you provide us the information at meetings, by phone, email, in data collection forms and when you visit our websites or from other parties with whom you instruct us to deal on your behalf;
• from third parties with your consent or where authorised by law (including your accountant, credit reporting bodies, referees, employers, landlords, tenants and service providers); and
• from publicly available sources where lawful and appropriate.

Our websites may use "cookies".  Cookies are small data files that are downloaded from our website and stored on your computer when you visit our website.  Cookies are used to allow us to see which pages and what information is of most interest to visitors to our website, which in turn enables us to improve our offerings to our customers.  Your computer's web browser will allow you to configure your computer to refuse to accept cookies.  You can also delete cookies from your computer's hard drive at any time.  However, please note that doing so may hinder your access to valuable areas of information within our site.   

Are you obliged to provide us personal information?

You are not required to provide us with the information that we request, or to allow us to collect information from third parties.  However, where you choose not to provide us with the information we request, we may not be able to provide you with services that you have requested from us, and we may elect to terminate our arrangement with you.  Importantly, if you provide either inaccurate or incomplete information to us you risk obtaining products or services that may not be appropriate or suitable for your needs and you may risk suffering a financial detriment or financial loss.

What happens if we obtain personal information about you which we have not solicited?

Where we receive unsolicited personal information about you, we will consider if we could have collected the information if we had solicited the information.  Where we determine that we could have collected the personal information from you, we will treat your personal information in the same manner as if we had solicited the information directly from you.  Where we determine that we could not have collected the personal information, we will destroy the information or ensure that the information is de-identified as soon as practicable.

Use of personal information

 We collect, use and disclose your personal information for the primary purpose for which the information was obtained, which includes:

• providing credit services and real estate services.
• organising credit contracts or consumer leases on your behalf.
• assess credit, tenancy and transaction applications;
• manage loans, properties, leases, sales and settlements;
• communicate with you and respond to enquiries;
• comply with legal, regulatory and professional obligations;
• manage risk, internal operations and record keeping; and
• resolve complaints and disputes.

In connection with our credit services, we may collect, use and disclose credit-related personal information in accordance with the Privacy Act and credit reporting laws. This may include information about your credit applications, credit history and repayment behaviour.

We may also use the information for the secondary purpose of:

• attempting to identify other products and services that may be of interest to you.
• referring you to our associated entities, Driven Property Group Pty Ltd and Driven Finance Group Pty Ltd.
• conducting any professional quality control review program.
• managing our business operations such as maintaining secure IT systems.

Do we disclose personal information for direct marketing?

We do not sell, trade, or rent your personal information to others.  

We may use your personal information to offer you products and services that we believe may interest you.  We may also disclose your personal information to external associates and service providers who assist us to market our products and services.  We will only disclose your personal information (other than sensitive information unless you have consented) if:

• we collected the information from you; and
• if you would reasonably expect us to use or disclose the information for that purpose; and
• we provide you with a simple means by which you may easily request not to receive direct marketing communications from us; and
• you have not made such a request to us before.

If you do not want to receive direct marketing offers from us, please inform us by sending an email to shane@drivengroup.com.au, or calling 08 9444 7632.

Disclosure of personal information 

With your consent, we may disclose your personal information to:

• our representatives and entities in the Driven Group (i.e. Driven Finance Group and Driven Property Group).
• credit providers, lenders, aggregators and credit reporting bodies (for credit services);
• landlords, tenants, buyers, sellers and counterparties (for property services);
• parties who we think are necessary or convenient to provide credit or real estate agency services to you.
• professional advisers such as lawyers, accountants and auditors;
• contractors and service providers (including IT, cloud storage, payment processing and property maintenance providers) that may be based overseas;
• government agencies, regulators and dispute resolution bodies where required or authorised by law.
• prospective entities interested in acquiring all or part of our business.

Government related identifiers

We do not adopt government related identifiers as our own.  However, in certain circumstances we are required to collect government related identifiers such as your tax file number, Medicare number or pension card number. We do not use or disclose government related identifiers other than when required or authorised by or under and Australian law or a court/tribunal order.

Cross-border disclosure of personal information

We may transfer personal information to external service providers in locations outside Australia, including, but not limited to, India, the United States, China, Poland, the Philippines and around the world, in the course of storing that personal information and when using or disclosing it for one of the purposes referred to above.  When transferring personal information to foreign jurisdictions, we will ensure that we satisfy one of the requirements below:

• we will take reasonable steps to ensure the overseas recipient does not breach the APP (other than APP 1) in relation to the information by entering into contractual agreements with the overseas recipient that requires the overseas recipient to comply with the APP, other than APP 1;
• we form a reasonable belief that the overseas recipient is subject to a law, or binding scheme, that has the effect of protecting the information in a way that, overall, is at least substantially similar to the way in which the APP protect the information and there are mechanisms that the individual can access to take action to enforce that protection of the law or binding scheme; or
• we will seek your informed consent prior to disclosing your personal information overseas.

Storage and security of personal information

Driven Finance stores personal information in our computer database, hard copy files and on external servers maintained by our aggregator, Connective, NextGen ApplyOnline and other platforms to assist with securing finance for our clients. Driven Property maintains personal information obtained in our computer data base, and on platforms such as Property Tree, Inspect Real Estate and AgentBox. WE take reasonable steps to ensure the personal information collected and held by us is protected from misuse, interference, loss, unauthorised access, modification or disclosure.

 In the event you cease to be a client of ours, any personal information which we hold about you will be maintained for a period of not less than 7 years in order to comply with legislative and professional requirements.

Notifiable data breaches

We are required to notify you and the Australian Information Commissioner of an eligible data breach.  An eligible data breach happens if:

• there is unauthorised access to, unauthorised disclosure of, or loss of personal information held by us; and
• the access, disclosure or loss is likely to result in serious harm to you.

If you receive a notification from us of an eligible data breach, you should read and implement the steps recommended to you. 

Access and correction of personal information

You may request access to the personal information we hold about you, and we will respond within a reasonable period after the request is made.  Where we provide you access to such information, we may charge a reasonable fee to cover our costs.  We will disclose the amount of such costs to you before providing you with the information.

 We will take reasonable steps to ensure that the personal information that we collect, use, or disclose is accurate, up to date, complete, and relevant.  If you become aware, or believe, that any personal information which we hold about you is inaccurate or incomplete, you may contact us to correct the information.  We do not charge you to correct your personal information.

 If we disagree about the correction you have supplied, and refuse to correct the personal information, or if we believe that we are unable to comply with your request to access the personal information that you have provided us, we will give you a written notice of that effect.  You have a right to make a complaint if you disagree with our decisions about these matters (see below).

Complaints

If you believe that we have breached the APP or disagree with a decision that we have made about our Privacy Policy, you may complain to us.  To enable us to understand and deal with your complaint in a timely fashion you should set out a brief description of your privacy problem, the reason for your complaint and what action or remedy you are seeking from us.  Please address your complaint to the Privacy Officer.  Our contact details have been included at the end of this Privacy Policy.

 Your complaint will be investigated and responded to within 30 days.  If you are not satisfied with the outcome of your complaint, you are entitled to contact the Office of the Australian Information Commissioner.

Policy updates

This Privacy Policy is subject to change from time to time.  The most current version of our Privacy Policy can be obtained from our website (www.drivengroup.com.au) or by contacting us.

Contact details

Privacy Officer:           Shane Lavender  

Address:                      Suite 3 / 123 Melville Parade, Como WA 6152

Postal Address:           PO Box 1067, South Perth WA 6951  

Telephone:                  FINANCE ; 08 9444 7632 / PROPERTY; 08 6454 1888

E-mail:                         shane@drivengroup.com.au