This policy describes how we collect, use, manage and store personal information in accordance with the Australian Privacy Principles.
APP means the Australian Privacy Principles prescribed by the Privacy Act 1988 (Cth);
personal information means information or an opinion about an identified individual, or an individual who is reasonably identifiable:
(a) whether the information or opinion is true or not; and
(b) whether the information or opinion is recorded in a material form or not.
2. Our collection, use, holding and disclosure of personal information
The personal information that we collect (and how and the purposes for which we collect, use, hold and disclose that personal information) will depend on the nature of our relationship with you.
|If you are:||Then the applicable privacy notice will be:|
|the PMI candidate privacy notice (available|
|the PMI consumer |
|the PMI corporate website |
|the PMI trader privacy notice (available |
|the PMI business partner |
|the PMI general enquirer |
|a visitor to our corporate campaign websites||the PMI corporate campaigns privacy notice (available here)|
3. Credit reporting
To the extent that we are a credit provider and manage credit information or credit eligibility information (within the meaning of these terms in the Privacy Act 1988 (Cth)), our Credit Reporting Policy contains information about:
(a) how we collect, hold, use and disclose credit eligibility information and other credit information about you;
(b) how you may access the credit eligibility information and other credit information that we hold;
(c) how you may seek the correction of credit eligibility information and other credit information about you that we hold;
(d) how you may complain about a failure of us to comply with our obligations in respect of our dealings with your credit information or credit eligibility information or the CR Code (to the extent that it binds us), and how we will deal with such a complaint; and
(e) whether we are likely to disclose credit information or credit eligibility information to entities that do not have an Australian link
4. Overseas transfers
We may transfer or disclose your personal information to recipients that are located outside of Australia, including to our related companies in the countries that they operate in (for a full list, please see the list of offices
) and to our service providers located in many countries throughout the world, including in particular the European Economic Area, Switzerland, the USA, Canada, India, the Philippines, Indonesia, and Australia.
5. Storage and security of personal information
5.1. Where we hold your personal information, we will take reasonable steps to ensure that the information is secure and may only be accessed by
5.2. If any personal information that we hold is no longer required for the purpose in which it was collected and no applicable law requires us to retain that information, we will take reasonable steps to de-identify or destroy the information.
6. Access and correction
6.1. We will use reasonable steps to ensure the personal information we hold is complete, up to date and accurate, so far as it
6.2. You may request access to the personal information we hold about you by contacting our Privacy Officer using the details in the ‘Contact Us’ section below. If we determine, having regard to the APPs, that it is either not lawful or not required by law to provide you access to the personal information we hold, we will provide you with a written response within a reasonable period of time, setting out our reasons. If we are otherwise obliged or permitted to give you access to that personal information, we will do so within a reasonable time. We reserve the right to charge you a reasonable fee for giving access.
6.3. Subject to paragraph 6.4, if personal information we hold about you is incorrect, we will, on your request to correct it or where we are satisfied that the information is inaccurate, out of date, incomplete, irrelevant or misleading, take such steps as are reasonable in the circumstances to ensure that the information is corrected.
6.4. If you request us to correct personal information that we hold about you and we refuse to do so, we will, to the extent reasonable, provide you a written response as to our reasons.
7. Contact Us
7.1 If you have a question about how we handle personal information, wish to access or correct your personal information, lodge a complaint about our compliance with the APPs or obtain a copy of our Credit Reporting Policy, you may contact our Privacy Officer:
post: PO Box 23224, Docklands, Victoria, 8012, Australia
phone: +61 (0)3 8531 1000
7.2 The Privacy Officer will
7.3 If you are not satisfied with our response, you may take your complaint to the Office of the Australian Information Commissioner, whose website is: www.oaic.gov.au