NOVA Mutual Limited is a party to a strategic alliance with Bendigo and Adelaide Bank Limited (Bendigo) ACN 068 049 178 AFSL/Australian Credit Licence 237879, under which NOVA acts as an agent of Bendigo Bank. As a result, personal information held by NOVA Alliance Bank may be shared with Bendigo Bank, and other third party providers, where you obtain a financial product or credit facility through NOVA Alliance Bank.
About this policy
This document sets out how NOVA Mutual Limited ACN 087 650 440 trading as NOVA Alliance Bank (“we” or “us”) safeguards your privacy.
This document has been developed to follow a ‘layered’ format which means that it offers layers of detail. You can therefore read as much or as little as you like and can find what you need quicker.
Information about how we handle your credit related information is contained in our Credit Reporting policy which is available on our website.
We recognise the importance of protecting your privacy. We are committed to ensuring the continued integrity and security of the personal information you entrust to us.
We appreciate that the success of our business is largely dependent upon a relationship of trust being established and maintained with past, current and prospective members, shareholders and other individuals with whom we conduct business. We will therefore continue to collect and manage your personal information with a high degree of diligence and care.
Our aim is to comply at all times with the privacy laws (incorporating the Australian Privacy Principles) that apply to us. If you have a comment, query or complaint regarding a privacy matter, we encourage you to discuss it with us.
We usually collect personal information directly from you. Sometimes we collect or confirm this information from a third party such as a credit reporting body. We will use reasonable efforts to obtain your consent prior to contacting a third party for this purpose.
We collect personal information that includes details such as your:
• Date of birth
• Contact details (such as phone and fax numbers, e-mail addresses)
• Financial information such as information about your use of financial products and services which you acquire from or through us.
In some cases, we may need to collect sensitive information about you (such as health related information). We will first seek your consent to collect such information where we are required to do so.
As part of our business operations we also collect personal information from other individuals such as shareholders and non-corporate suppliers. Where you are not a member of ours you may still seek confirmation as to whether we hold information in relation to you.
We may collect information from you because we are required or authorised by an Australian law or court / tribunal order to collect that information. We will tell you if collection is required or authorised by law and provide you with details of the law, court or tribunal order. Examples of which include:
• Anti-Money Laundering and Counter-Terrorism Financing laws;
• The National Consumer Credit Protection Act 2009 (Cth); and
• The Income Tax Assessment Act 1936 (Cth).
We may collect personal information about you from commercially available third party databases.
When you visit our website, apps or other web-based content and services (“Websites”), either we or our service provider will record information (such as your computer’s IP address and top level domain name, the type of browser you are using, the date, time and pages accessed) in relation to your visit.
Use and disclosure
We use your personal information in order to:
• Provide you with financial products and services (including situations where we are an agent for another product issuer)
• Assist you with your queries or concerns
• Comply with any legal or regulatory obligations imposed on us
• Perform our necessary business functions (such as internal audit investigations, performance reporting, research, product development and planning, assessing credit applications for new or existing loans and managing your credit accounts).
To do this, we may disclose your personal information to organisations that carry out functions on our behalf. This may include for example, mailing and printing houses, cheque and electronic transaction processors, information technology service providers, professional advisers, account holders and operators, valuers, introducers, guarantors, debt collection agencies, regulators and government authorities. Our agreements with these entities ensure this information is only used to carry out functions on our behalf.
Depending upon the type of product you have requested, we may also disclose your personal information to credit reporting bodies, the trustee or manager of a superannuation fund and insurance companies.
In the case of shareholders, personal information is disclosed to our share registry service provider.
We may also disclose your personal information to an individual or an organisation (a ‘third party’) if:
• You direct us to do so;
• You consent to the third party obtaining the information from us; or
• You consent to the third party accessing the information on our systems, and / or do anything which enables the third party to obtain access.
Your consent to a third party obtaining or accessing information may be implied from:
• Your use of any service or application which a third party provides to you, or makes available to you, which involves the third party obtaining or accessing personal information held by us or organisations like us, or
• You doing anything else which enables the third party to obtain access to the information.
You should never provide or disclose any of your pass codes to any third party to enable the third party to obtain or access your personal information. If you do, you may breach the ePayments Code and the terms and conditions applying to the products and services we provide to you and you may be liable for any unauthorised transactions that subsequently occur. Pass codes include PINs, internet and telephone banking passwords, and codes generated by security tokens.
We may also use your personal information to tell you about other financial products and services we think you may be interested in. This may include products and services offered or distributed by us or the companies with which we are associated. You can opt out of receiving this information (see ‘Opting out of product promotions’ below). We do not sell your personal information to third parties.
We provide services to a number of business partners and their members. In order to provide these services, personal information may be used and exchanged. The information of these members is given the same level of protection and treated in the same way as for members of NOVA.
Disclosure to overseas recipients
In some cases, we may need to share some of your information with organisations outside Australia. For example, when you instruct us to carry out a transaction such as a telegraphic transfer to or from an overseas country, or when we use service providers located overseas to perform a function on our behalf.
NOVA may share your information with overseas organisations that are located in the following countries:
You may also refer to the Privacy statement provided to you for specific information about overseas disclosure.
When we share your information with organisations overseas, we ensure appropriate data handling and security measures are in place.
Access and correction
In most cases you can access your personal information held by us. If you believe that personal information we hold about you is inaccurate, out of date or incomplete, you should contact us (see ‘Contacting us’ below).
We will promptly update your personal information that is inaccurate, out of date or incomplete. In some cases we may request you to provide us with supporting documentation to amend the personal information we hold about you.
If we do not agree that your information is inaccurate, out of date or incomplete, we will give you a written notice including the reasons why we do not agree with you and how you can make a complaint.
Opting out of product promotions
You can opt out of receiving direct marketing material at any time by contacting us (see ‘Contacting us’ below).
If you do opt out, we will continue to provide information in relation to your existing accounts or facilities only (including new features or products related to these accounts/facilities).
Storage and security of your personal information
We will take reasonable steps to keep the personal information that we hold about you secure to ensure that it is protected from loss, unauthorised access, use, modification or disclosure.
Your personal information is stored within secure systems that are protected in controlled facilities. Our employees and authorised agents are obliged to respect the confidentiality of any personal information held by us.
You can also help to keep the personal information that we hold about you secure by taking care before you authorise or otherwise assist any third party to obtain or gain access to that information (see ‘Use and disclosure’ above).
We use our best efforts to ensure that information received via our Websites remains secured within our systems. We are regularly reviewing developments in online security, however users should be aware that there are inherent risks in transmitting information across the internet.
Sometimes, cookies are used by a third party service provider with whom we have an agreement to monitor the success of our marketing campaigns. The third party service provider uses the cookies to collect information such as when you visited our site, your browser type and the server that you log in to on your computer.
The information is used in an aggregate form and generally no personal information is collected by the third party service provider. Our agreements with these third parties ensure this information is only used to carry out functions on our behalf, and if any personal information is collected the confidentiality of that information is maintained.
Most internet web browsers are pre-set to accept cookies to enable full use of websites that employ them. However, if you do not wish to receive any cookies on an internet web browser, you may configure your browser to reject them or receive a warning when cookies are being used. In some instances, this may mean that you will not be able to use some or all of the services provided on our Websites. However, you may still be able to access information-only pages.
Changes to this policy
Privacy concerns or complaints
If you have concerns or wish to make a complaint regarding the handling of your personal information by us, please contact our team on 02 4926 1428 or at email@example.com. We will promptly investigate your complaint and notify you of the outcome.
If you are not satisfied with the response provided by our team, you have the option to refer your complaint to the relavant external dispute resolution scheme:
We are a member of the Australian Financial Complaints Authority (AFCA)
AFCA provides fair and independant financial services complaint resolution that is free to consumers. You can contact AFCA atwww.afca.orgcontact-us/
In writing to: GPO Box 3, Melbourne VIC 3001
Telephone: 1800 931 678
Website: afca.org.au (AFCA)
Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.If your complaint relates to how we handle your personal information you can also contact:
If your complaint relates to how we handle your personal information you can also contact:
Office of the Australian Information Commissionerwww.oaic.gov.au
European Union General Data Protection Regulation (GDPR)
If you are in a country that is a member of the European Economic Area (EEA), you may be protected by the European Union General Data Protection Regulation 2016/679 (‘GDPR’).
Please click here here to read more information about our GDPR Policy.
NOVA Alliance Bank
The Privacy Officer
PO Box 789
Newcastle NSW 2300
T: 02 4926 1428
Bendigo and Adelaide Bank
The Bendigo Centre
PO Box 480
Bendigo Vic 3552
T: 1300 236 344
If you would like to contact an entity in the Bendigo and Adelaide Bank Group which is not listed above, please contact 1300 236 344.
Further information about privacy
You can find more information about privacy (including information about specific issues, answers to frequently asked questions and links to the 13 Australian Privacy Principles) on the Office of the Privacy Commissioner’s website at www.oaic.com.au
Date of Publication – November 2018
Privacy Disclosure Statement