Introduction

Nestia Financial respects your privacy and is committed to handling your personal information responsibly and transparently.

This Privacy Policy explains how we collect, hold, use and disclose personal information when you visit our website, contact us or use our services.

Nestia Financial is operated by Nestia Financial Pty Ltd, ABN: 42700823230, ACN: 700823230 (“Nestia Financial”, “we”, “us” or “our”).

Personal information we collect

The types of personal information we collect depend on how you interact with us and the services you ask us to provide.

This may include:

• Your name, date of birth and contact details;

• Residential and postal address;

• Identification information;

• Employment and income information;

• Information about your assets, liabilities, expenses and financial commitments;

• Banking and transaction information;

• Details about existing loans and credit arrangements;

• Information about the property you own, are purchasing or considering purchasing;

• Credit history and credit-related information;

• Information about your financial goals, requirements and objectives;

• Information you provide through forms, emails, telephone calls, meetings or other communications with us;

• Information required to assess, arrange or assist with a finance application; and

• Technical information collected when you use our website, such as device, browser and website usage information.

We may also collect sensitive information where it is reasonably necessary for the services we provide and where permitted by law.

How we collect information

Where practical, we collect personal information directly from you.

This may occur when you:

• Contact us;

• Complete a form on our website;

• Book a meeting;

• Speak with us by phone, email, video call or in person;

• Provide documents or information in connection with a finance application; or

• Otherwise engage us to provide credit assistance or related services.

We may also receive information from third parties where permitted, including lenders, credit reporting bodies, our credit licensee, aggregator, service providers, accountants, solicitors, conveyancers, real estate professionals, referral partners and other parties involved in your finance application.

Why we collect and use your information

We may collect, hold, use and disclose your personal information to:

• Understand your circumstances, requirements and objectives;

• Provide credit assistance and related services;

• Assess and compare finance options;

• Prepare, submit and manage finance applications;

• Communicate with lenders and other relevant parties;

• Verify information you provide;

• Meet our legal, regulatory and compliance obligations;

• Manage our relationship with you;

• Respond to questions, feedback or complaints;

• Improve our services and website;

• Manage our business and administrative activities; and

• Communicate with you about services or information that may be relevant to you, where permitted by law.

We will not use your personal information for an unrelated purpose unless permitted or required by law or you have provided your consent.

Credit information

When providing credit assistance, we may collect and handle credit-related information about you.

This may include information about your existing credit arrangements, repayment history, credit applications, defaults and other information relevant to assessing your financial position.

Where appropriate and with the necessary authority, information may also be obtained from or disclosed to lenders, credit reporting bodies and other organisations involved in assessing or processing your application.

Who we may disclose information to

Depending on the services you request, we may disclose personal information to:

• Banks, lenders and other credit providers;

• Our Australian Credit Licensee and/or aggregator;

• Mortgage insurers;

• Valuers;

• Credit reporting bodies;

• Identity verification providers;

• Accountants, solicitors and conveyancers;

• Real estate and property professionals where relevant;

• Government agencies, regulators or dispute resolution bodies;

• Technology, software, cloud storage and communication providers;

• Professional advisers;

• Referral partners where appropriate; and

• Other parties with your consent or where required or authorised by law.

We only disclose information where reasonably necessary for our services, business operations or legal obligations.

Third-party service providers

We use third-party technology and service providers to operate our business and deliver our services.

These may include customer relationship management systems, finance application platforms, email and communications providers, document storage services, appointment scheduling services and website analytics tools.

Some of these providers may process or store information on our behalf.

Overseas disclosure

Some of the service providers we use may store, process or access information outside Australia.

Where personal information is likely to be disclosed to overseas recipients, those recipients may be located in United States, New Zealand, European Union or other locations used by your service providers.

We take reasonable steps to ensure personal information is handled in accordance with applicable Australian privacy requirements.

Website, cookies and analytics

Our website may use cookies and similar technologies to understand how visitors use the site, improve website performance and provide a better user experience.

Information collected may include your browser type, device information, pages visited, approximate location derived from your internet connection and the way you interact with the website.

You can generally manage cookies through your browser settings. Disabling certain cookies may affect how parts of the website function.

Marketing communications

Where permitted by law, we may use your contact details to send you information about our services or other information that may be relevant to you.

You can opt out of marketing communications at any time by using the unsubscribe option provided or contacting us.

We will continue to send service-related communications where necessary.

How we protect your information

We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure.

Our safeguards may include appropriate technical, administrative and organisational measures and the use of reputable service providers.

When personal information is no longer required to be retained, we take reasonable steps to securely destroy or de-identify it, subject to legal and regulatory record-keeping requirements.

Accessing and correcting your information

You may request access to personal information we hold about you or ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading.

To make a request, contact us using the details below.

We may need to verify your identity before providing access or making a correction.

In some circumstances, the law allows us to refuse access or correction. If this occurs, we will generally explain the reason where required.

Privacy complaints

If you believe we have not handled your personal information appropriately, please contact us first so we can investigate your concerns.

Nestia Financial
Email: hello@nestia.com.au
Phone: 0425 158 723

We will acknowledge and consider your complaint and aim to respond within a reasonable period.

External Dispute Resolution

If you are not satisfied with our response, you may be able to contact the Office of the Australian Information Commissioner (OAIC) or another applicable external dispute resolution body such as the Australian Financial Complaints Authority (AFCA). AFCA can consider certain privacy complaints relating to either the provision of credit or Credit Reporting Information in general. You can contact AFCA on:

Tel: 1800 931 678

Email: info@afca.org.au

Web: www.afca.org.au

Post: Australian Financial Complaints Authority, GPO BOX 3, MELBOURNE VIC 3001

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.

Under the Privacy Act, you may make a complaint to the Office of the Australian Information Commissioner (OAIC) about the way we handle your personal information. The OAIC can be contacted at either www.oaic.gov.au or by calling 1300 363 992.

Changes to this policy

We may update this Privacy Policy from time to time to reflect changes to our practices, technology, legal requirements or services.

The current version will be available on our website.

Contact us

For questions about this Privacy Policy or how we handle personal information:

Nestia Financial
Nestia Financial Pty Ltd
ABN: 42700823230
ACN: 700823230
Email: hello@nestia.com.au
Phone: 0425 158 723