Privacy Policy

TPC money Pty Ltd Privacy Policy – updated November 2023

This Privacy Policy briefly explains how TPC Money ABN 39 166 471 594  (TPC) and our related businesses manage the personal information that we collect, use, disclose and store and how to contact us if you have any queries. This Privacy Policy is intended to be read subject to any overriding provisions of law or contract.

Personal Information

Personal information is information or an opinion, in any form and whether true or not, about an individual whose identity is apparent or can reasonably be ascertained from the information or opinion.

Type of Information Collected by TPC

The kinds of personal information we collect and store about our customers include (amongst other things):

      • Personal information you provide us as part of assisting you with your finance requirements. This information may include information and supporting documentation relating to your name, past and current addresses, telephone number, email address, date of birth, past and current occupations;

      • Credit information, supporting documentation and credit search results required in order to assess your eligibility to obtain financial products including credit history, income tax details, account details, outstanding debts and liabilities, expenses, earnings, repayment history and tax file number;

      • Communication between you and TPC, finance service providers, and where applicable your employers and credit agencies.

      • Some telephone conversations which may be recorded from time to time for quality and training purposes.

    If you are applying for finance, we may also be required by the financiers to collect some personal information regarding your dependants, including number and ages of dependents, as well as cohabitants, their relationship to you and the length of time they have cohabitated at your current address.

    How your personal information will be used

    We collect your personal information so that we can use it for our functions and activities which include, amongst other things:

        • Assisting you with your finance requirements;

        • To keep you informed of our products and services and any changes to our organization;

        • To facilitate contact with you;

        • Confirming your identity (e.g. when you wish to use our products or services);

        • Addressing any feedback or complaints or queries you may have;

        • Any purposes for which it was requested and directly related purposes, monitoring and developing, improving and marketing our products and services; and

        • To comply with any mandatory requirement of law.

      Disclosure of Personal Information to third parties

      The organizations we may disclose your personal information to include:

          • Finance providers or other intermediaries as part of assisting you with your financial requirements;

          • Anybody who represents you including financiers, brokers, lawyers and accountants;

          • Your past and current employers, referees, identity verification services;

          • Our related companies, business associates and others for purposes directly related to the purpose for which the personal information is collected;

          • Organizations involved in any possible future transfer/sale of all or part of our assets or business;

          • To our professional advisors, relevant contractors and service providers;

          • Our national cloud storage and IT service providers;

          • Others that you have been informed of at the time any personal information is collected from you;

          • To any entity to which we are required or authorized by or under law to disclose such information.

        Direct Marketing

        From time to time we may use your personal information to provide you with current financial information, any changes to TPC, new product offers by TPC or any company with whom we are associated. We may from time to time use third party businesses to assist us in managing your account for these purposes.

        If you do not wish to receive marketing information you may at any time decline to receive such information by contacting us on 1300 12 21 12 or writing to us at Privacy Officer,  TPC Money Pty Ltd,
        Level 4, 339 Coronation Drive  Milton QLD 4064. If the direct marketing is received by email or text message you may also use the unsubscribe function. We will not charge you for giving effect to that request and will take all reasonable steps to meet your request at the earliest possible convenience.

        Collection of other information

        If you visit our website, some of the information we and/or our contractors/service providers collect about your visit to our website is not personal information because it does not reveal your identity. Information gathered when you visit our website includes your server address, the date and time of your visit, the pages you accessed, the information you downloaded and the type of Internet browser you used.

        Overseas Disclosure

        We may disclose some of your personal information to overseas recipients for administrative purposes. Our administrative functions are outsourced to a contractor located in Sri Lanka who is bound by contract to protect your personal information.

        Cookies and Tracking

        We use cookies and other tracking technologies on our website to enhance user experience and for analytical purposes. By using our website, you consent to the use of these technologies.

        How safe and secure is your personal information we hold?

        We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic format and may rely on national cloud storage or IT service providers to support our services. These external service providers will similarly be required to comply with the privacy requirements.

        Access and correction of your personal information

        You have a right to access your personal information, subject to some exceptions allowed by law. If you would like to do so, please let us know in writing:

        Privacy Officer

        TPC Money Pty Ltd

        Level 4, 339 Coronation Drive, Milton, QLD 4064

        Help us to keep your information up to date

        It is important to us that the personal information we hold about you is accurate, complete and up to date. However, the accuracy of that information depends to a large extent on the information you provide. That is why we recommend that you:

            • Let us know if there are any errors in your personal information; and

            • Keep us up to date with changes to personal information especially contact details.

          You can update your details at any time:

          In writing: Level 4, 339 Coronation Drive, Milton QLD 4064 

          Phone: 1300 12 21 12 Email:garyg@tpcfinance.com.au 

          Other website matters

              • Security

            When you use the Internet, you are using facilities that are beyond our control and there are risks associated with transferring data.

            Any personal information that we hold about you in our computer systems is made more secure from unauthorized access by a range of internal security mechanisms and procedures.

            If you become aware of any security breach however, please let us know as soon as possible.

                • Third Party Web Pages

              Our website may also contain links to third party websites that we do not operate or control. Please note that we are not responsible for the privacy or security practices of those websites and that those sites are not covered by this Privacy Policy. Third party websites may have their own privacy and security policies, which we encourage you to read.

              Complaints

                  • Privacy

                If you are dissatisfied with how we have dealt with your personal information or have a complaint generally about our compliance with the Privacy laws, you may contact our complaints officer, on 1300 12 21 12 or email:garyg@tpcfinance.com.au

                We will take all reasonable steps to promptly deal with your complaint in accordance with our internal complaints handling procedures.

                If you however remain dissatisfied with the response of our complaints officer you may make a complaint to the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992.

                    • Internal Dispute Resolution

                  We hope that you are delighted with our services. However, if you have any complaints, you can raise these directly with the representative with whom you are dealing.

                  If you are not satisfied with the response that you receive, you may contact our Compliance Manager, by telephoning 1300 12 21 12, or writing Level 4, 339 Coronation Drive Milton  4064. When we receive a complaint, we attempt to resolve it as quickly as possible, subject to a full investigation of all the circumstances involved.

                      • External Dispute Resolution

                    If you are not satisfied with the outcome of your complaint, you may refer the matter to the Australian Financial Complaints Authority (AFCA). External dispute resolution is a service provided at no cost to you, giving you access to an independent mechanism for the resolution of specific complaints or disputes.

                    AFCA can be contacted via www.afca.org.au, info@afca.org.au, 1800 931 678 (free call), Australian Finance Complaints Authority GPO Box 3 Melbourne VIC 3001

                    Updates to Privacy Policy

                    We may amend this Privacy Policy from time to time. If we do so, we will post the amended Privacy Policy on our website so that you will always be aware of how we manage your personal information