{"id":3,"date":"2020-03-23T06:42:25","date_gmt":"2020-03-23T06:42:25","guid":{"rendered":"https:\/\/www.justbudget.com.au\/?page_id=3"},"modified":"2024-02-19T00:37:35","modified_gmt":"2024-02-19T00:37:35","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/www.justbudget.com.au\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\t\t
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Worried About Your Data? <\/span><\/h2><\/div>

You're Safe With Us <\/h2><\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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We have safeguards in place to protect your and your sensitive data. The following document outlines how we use and protect your private information.<\/p><\/div><\/div><\/div><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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Just Budget Pty Ltd Privacy Policy<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Introduction<\/h2>

This is the privacy policy of Just Budget Pty Ltd and Universal Enquiries (\u201cJB\u201d, \u201cwe\u201d, \u201cour\u201d, \u201cus\u201d) and details how we collect, store, use and disclose (\u201cmanage\u201d) \u201cpersonal information\u201d (as that term is defined in the Privacy Act 1988 (Cth)) about you for the purposes of referring you to credit providers and for direct marketing of products and services offered by JB or an organisation JB is affiliated with or represents.<\/p>

We manage personal information in accordance with the National Consumer Credit Protection Act 2009 (Cth), Privacy Act 1988 (Cth) (\u201cPrivacy Act\u201d), Australian Privacy Principles (\u201cAPPs\u201d) and other relevant legislation for the purpose of providing services (\u201cour services\u201d) to you, including providing financial services.<\/p>

If we are not able to collect your personal information, we may not be able to provide our services to you.<\/p>

Personal information we collect<\/h2>

Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not and whether the information or opinion is recorded in a material form or not.<\/p>

The types of personal information we collect includes:<\/p>

(a) names, job titles, contact and address details;<\/p>

(b) information in identification documents (for example, passport and driver\u2019s licence);<\/p>

(c) tax file numbers and other government-issued identification numbers;<\/p>

(d) date of birth and gender;<\/p>

(e) bank account details, shareholdings and details of investments;<\/p>

(f) details of superannuation and insurance arrangements;<\/p>

(g) educational qualifications, employment history and salary; and<\/p>

(h) personal information about your spouse and dependents.<\/p>

We will not collect sensitive information about you.<\/p>

How we collect personal information<\/h3>

Generally, we collect your personal information from you directly. For example, when we deal with you in person or over the telephone, when you send us correspondence (including via email), when you complete a questionnaire, form or survey, when you subscribe to our publications or when you submit personal information through our website.<\/p>

Sometimes we may collect your personal information from a third party. For example, we may collect your personal information from your employer, your personal representative or a publicly available record. We may also be required by Australian laws (such as the National Consumer Credit Protection Act 2009 (Cth)) to collect your personal information.<\/p>

Where you provide us with personal information about someone else<\/h3>

If you provide us with someone else\u2019s personal information, you should only do so if you have their authority or consent to provide us with their personal information. You should also take reasonable steps to inform them of the matters set out in this Privacy Policy or any Privacy Collection Statement we give you.<\/p>

Holding personal information<\/h3>

JB holds personal information in hard copy and electronic formats. We take security measures to protect the personal information we hold, including physical security measures (for example, security passes to enter our offices and storage of files in lockable cabinets) and technological security measures (for example, restriction of access, firewalls, the use of encryption, passwords and digital certificates). We also have document retention policies and processes.
Purpose for collecting, holding, using and disclosing personal information<\/p>

In addition to the other purposes set out in this Privacy Policy, JB manages your personal information for a number of purposes including<\/p>

(a) to verify your identity or to conduct appropriate checks for credit-worthiness and for fraud checking;<\/p>

(b) to provide professional services;<\/p>

(c) to respond to requests or queries;<\/p>

(d) to keep you informed of our services and industry developments;<\/p>

(e) for administrative purposes when engaging service providers, contractors or suppliers relating to the operation of our business;<\/p>

(f) to manage any conflict of interest or independence obligations or situations for seeking your feedback to meet any regulatory obligations for any other business related purposes; and<\/p>

(g) to share non-personal, de-identified or aggregated information with third parties for research or promotional purposes.<\/p>

Disclosure of personal information overseas<\/h3>

ALC may disclose your personal information to overseas recipients, including recipients in the United States of America, to allow them to send marketing material and\/or to offer to provide goods and services to you, as well as to engage companies in assisting with the delivery of our services to clients. We may also backup and store data on cloud-based services, which are potentially hosted outside of Australia. These servers are commonly located in the United States of America, Singapore, The Netherlands, and Ireland, & Asia Pacific.<\/p>

If you consent to the disclosure of your personal information by agreeing and consenting to the terms of this Privacy Policy, subclause 8.1 of the APPs will not apply to the disclosure. Subclause 8.1 requires that an overseas entity to whom disclosure of your personal information is made take such steps as are reasonable in the circumstances to ensure that the overseas recipient does not breach the APPs (other than APP 1) in relation to your personal information.<\/p>

Third Parties<\/h2>

The types of third parties (including overseas third parties) to whom we may disclose and\/or sell your personal information include<\/p>

(a) third party service providers, including information technology providers and consultants, professional advisers, credit reporting agencies (including the agents and representatives of those credit reporting agencies);<\/p>

(b) other credit providers, your employer, any other person or organisation that you have asked us to provide your personal information to or collect it from, external dispute resolution schemes, government or regulatory bodies or agencies (as part of an engagement or otherwise); and<\/p>

(c) any third parties (including those mentioned in this clause<\/p>

(d) for the purpose of allowing them to send marketing material to you.<\/p>

If you do not provide us with the personal information we have requested, we may not be able to complete or fulfill the purpose for which such information was collected, including providing you with the services we were engaged to perform.<\/p>

Credit reporting<\/h2>

JB may disclose information about you to a credit reporting agency for the purpose of obtaining a consumer credit report about you.<\/p>

You give JB your consent to obtain a credit report (which includes consumer credit information about you) from a credit reporting agency and allow the credit reporting agency to create or maintain a credit information file containing information about you.<\/p>

We may verify your identity using information held by a credit reporting agency. To do this we may disclose personal information such as your name, date of birth, and address to the credit reporting agency to obtain an assessment of whether that personal information matches information held by them.<\/p>

They may give us a report on that assessment and in doing so may use personal information about you and other individuals in their files.
Disclosure of personal information overseas<\/p>

JB may disclose your personal information to overseas recipients, including recipients in the United States of America to allow them to send marketing material and\/or to offer to provide goods and services to you. We may also backup and store data to cloud-based services which are potentially hosted outside of Australia. These servers are commonly located in the United States of America, Singapore, The Netherlands and Ireland.<\/p>

If you consent to the disclosure of your personal information by agreeing and consenting to the terms of this Privacy Policy, subclause 8.1 of the APPs will not apply to the disclosure. Subclause 8.1 requires that an overseas entity to whom disclosure of your personal information is made take such steps as are reasonable in the circumstances to ensure that the overseas recipient does not breach the APPs (other than APP 1) in relation to your personal information.
Direct marketing<\/p>

JB may also use your personal information for the purpose of marketing its services. If you do not want to receive marketing material from us, you can either use the unsubscribe feature in an email or email info@justbudget.com.au requesting to no longer receive marketing material from us.<\/p>

Copyright<\/h2>

Any documentation that we own and send out belongs to and is the property of Just Budget Pty Ltd and no part of the documents may be reproduced, distributed, or transmitted in any form or by any means. Including photocopying, recording, or other electronic or mechanical methods, without the prior written permission from Just Budget Pty Ltd, except in the case of brief quotations embodied in critical reviews and certain other noncommercial uses permitted by copyright law.<\/p>

Copyright \u00a9 2023 Just Budget Pty Ltd. All rights reserved.<\/p>

Privacy on our website<\/h2>

Cookies<\/h3>

Cookies (i.e. small text files placed on your computer when you first visit the site) are used on JB\u2019s website. Most browsers now recognise when a cookie is offered and permit you to refuse or accept it. If you are not sure whether your browser has this capability, you should check with the software manufacturer, your company\u2019s technology help desk or your internet service provider.
Cookies are primarily used to enhance your online experience. If you visit our website to read or download information, such as news stories or articles, much of the information we collect is statistical only (for example, the domain from which you accessed the internet, the date and time you accessed our site, and the internet address of the website from which you linked directly to our site) and not personally identifiable. We use such information to make our site more useful and attractive to you.<\/p>

Links to third party websites<\/h3>

JB\u2019s website may contain links to third parties\u2019 websites. Those other websites are not subject to this Privacy Policy. You will need to review those websites to view a copy of their privacy policy.<\/p>

JB also does not endorse, approve or recommend the services or products provided on third party websites.
Gaining access to personal information we hold<\/p>

You can request access to your personal information, subject to some limited exceptions permitted or required by law. Such request must be made in writing to the our Privacy Officer.<\/p>

JB may charge its reasonable costs for providing you access to your personal information.
Keeping personal information current<\/p>

If you believe that any personal information JB has collected about you is inaccurate, not up-to-date, incomplete, irrelevant or misleading, you may request correction.
To do so, please contact our Privacy Officer and we will take reasonable steps to correct it in accordance with the requirements of the Privacy Act.<\/p>

Special privacy provisions<\/h3>

These Special Privacy Provisions form part of this Privacy Policy. To the extent of any inconsistency between the above provisions and these Special Privacy Provisions, the Special Privacy Provisions prevail.
When you provide your personal information through JB\u2019s website, JB collects your personal information and may sell it to potential lead providers. If you do not provide this information, JB will not be able to provide your contact information and other details to those potential lead providers. You can access your personal information stored by JB by contacting the Privacy Officer, details of which are set out below.<\/p>

In addition, by providing your personal information to JB, you have asked us to put you in touch with potential lead providers. To that end, by agreeing or consenting to the provisions of this Privacy Policy, you consent to:<\/p>

(a) JB selling (for a fee) your personal information to potential lead providers; and<\/p>

(b) JB providing your personal information to third party credit providers and finance brokers which may provide you with offers or information on goods or services they may be able to provide to you; and<\/p>

(c) any personal information you provide to us (or give to any other third party consistent with this consent), and any other information we obtain about you (including any credit information), being sent or stored in the United States of America.<\/p>

Furthermore, by providing your email address and other contact details in your online application and by agreeing or consenting to the provisions of this Privacy Policy, you consent to JB and any affiliate of those entities contacting you by phone, mail, text message or email to:<\/p>

(a) assist you in completing your online application to their satisfaction; and<\/p>

(b) confirm and verify your personal information and identity; and<\/p>

(c) check why you have failed to complete the application form (for example to check if there were technical or other issues); and<\/p>

(d) market to you products and services you may like and provide you special offers and discounts.<\/p>

By agreeing or consenting to the provisions of this Privacy Policy, you expressly:<\/p>

(a) acknowledge that for the purposes of the Privacy Act the finance broker is acting as an agent of a credit provider;<\/p>

(b) may give information about you (Credit Reporting Information) to a credit reporting agency for the following purposes:<\/p>

(i) to obtain a consumer credit report about you; and\/or<\/p>

(ii) allow the credit reporting agency to create or maintain a credit information file containing information about you.<\/p>

The Credit Reporting Information provided will be limited to identity particulars \u2013 your name, sex, address (and the previous two addresses), date of birth, name of employer, and driver\u2019s licence number.<\/p>

Limitation of liability<\/h3>

JB does not endorse and not is responsible for good or services provided by any third party to whom we disclose your personal information and you release JB from any claim arising in relation to that disclosure or any service provided to you by any third party.<\/p>

In no circumstances is JB responsible or liable for any direct, indirect or incidental loss, cost or damage howsoever arising from or in relation to the disclosure of your personal information to third parties.
By requesting our services, you may be directed to a third party website or a third party provider. You acknowledge and agree that JB does not accept nor will it be liable or subject to any direct, indirect or incidental loss, cost or damage howsoever arising from or in relation to any use of the third party website or any services provided to you by a third party to whom you are referred or directed.<\/p>

You agree that we may collect, hold and use your personal information as described in this Privacy Policy.<\/p>

Complaints<\/h2>

At Just Budget, we strive to deliver efficient and high-quality service, ensuring that every approach made by a member of the public is met in a prompt, courteous, helpful, open, and informative manner. We value our clients’ feedback about our performance, and we are committed to listening to their views.<\/p>

However, we acknowledge that, like any organization, we may encounter instances when things do not go as planned. When this happens, we welcome complaints from our clients, as they give us an opportunity to learn from our mistakes and make things right. Our approach to handling complaints is to ensure they are dealt with quickly, fairly, and helpfully.<\/p>

To make a complaint, you can contact us via writing, email, or telephone. Please provide a day-time telephone number where we may contact you, and if you are emailing, please let us know if a reply via email is acceptable. If not, kindly provide a full postal address. We encourage you to direct your complaint to the member of staff you have been dealing with to allow them to explain the actions taken and resolve the issue with you. Alternatively, you may ask the member of staff for the name of their line manager and direct your complaint to them.<\/p>

In case you remain unsatisfied with the resolution, you can consider raising the matter with the appropriate agency, as described below. Our goal is to make it easy for you to make a complaint and for us to handle it promptly, politely, and efficiently, with an apology where necessary, an explanation of the situation, or information on any actions taken. We take complaints seriously and use them to improve our service.<\/p>

If you have a complaint or concern about how we have handled your file, personal information or our compliance with the Privacy Act and Credit Reporting Code, you can contact us at 1300 795 775<\/a>, complaints@justbudget.com.au<\/a> or P.O Box 5489 Chullora NSW 2190.<\/p>

We will acknowledge your complaint within Five to Seven days and provide you with a decision within 30 days.<\/p>

If you are not satisfied with our response, you can contact the following organizations to make a complaint:<\/p>