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Privacy Consent and Notification

We cannot provide products and services to you unless you provide us with personal information about you and consent to our use of that personal information.

Personal information includes any information from which your identity is apparent.

We may collect, disclose, hold and use personal information about you for the purposes of:

  • identifying you and establishing your tax status under Australian or foreign law or regulations, or pursuant to a treaty or agreement between Australia and another country;
  • arranging and providing you with products and services that you have requested from us;
  • managing products and services that you have requested from us and our relationship with you generally (including direct marketing of our products and services); and
  • our internal management including accounting, administration, compliance and risk management.

If you apply for credit from us, personal information also includes credit information. Credit information includes the type and amount of credit, repayment history, default information (including overdue payments) and court information.

If you apply for credit from us we may also collect, disclose, hold and use personal information including credit information about you for the purposes of:
  • performing tasks in connection with purchasing or funding products provided to borrowers and gathering and aggregating information for statistical, prudential, actuarial, reporting and research purposes; and
  • assessing whether to securitise loan facilities and arranging the securitisation of loan facilities.

In respect to prospective borrowers we may collect, disclose, hold and use commercial or consumer credit information about you to assess an application for consumer or commercial credit and to manage that credit.

Until you tell us otherwise we may also use your personal information to inform you of products and services provided by us or by our alliance partners, which we think may interest you. You can tell us not to at any branch or by phoning 13 19 87.

We may exchange personal information about you with any:

  • credit reporting body where you are applying for a debit card, your account becomes overdrawn or for pre-screening credit offers;
  • court, tribunal, industry body or other entity in connection with any claim, complaint or dispute relating to the approval, rejection or management of your account or service;
  • entity that is a related entity of ours for the purpose of allowing it to tell you about products and services offered by it that may be of interest to you;
  • external contractor or service provider of ours (including an accountant, auditor, lawyer, mercantile agent, printer, mail-out provider or valuer); 
  • accountant, financial planner, lawyer or other adviser who is acting for you;
  • entity that provides verification, including on-line verification of your identity, including for the purposes of the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth);
  • insurer that has provided, or proposes to provide, insurance cover of any kind, for our benefit or for your benefit, in connection with a product or service that you have requested from us or have with us (including loan protection insurance or property insurance); or
  • law enforcement agencies and government or regulatory authorities (including the Australian Taxation Office), which may in some instances be authorised or required by law to share your personal information with foreign government or regulatory authorities, but only where we are required or authorised by law to disclose your personal information.

If you apply for credit from us we may also exchange personal information including credit information about you with any:

  • other financial institution or credit provider for the purposes of assessing your creditworthiness, credit standing, credit history or credit capacity;
  • employer, prospective employer or referee named in your application for credit;
  • credit reporting body for the purpose of assessing your application for credit and managing your credit;
  • accountant, financial planner, lawyer or other adviser who is acting for a guarantor or another party in relation to credit that we have provided, or propose to provide, to you;
  • mortgage broker, mortgage manager or mortgage originator for the purposes of assessing an application for credit or managing credit;
  • entity proposing to acquire an interest in our assets or business including by means of securitisation;
  • investors, advisers, trustees, security trustees, trust managers, re-insurers and underwriters, loan servicers or any other organisation that performs tasks in connection with purchasing, funding or managing products to borrowers; or
  • external organisations that are our assignees, successors, agents or contractors.

If you apply for credit from us we may also exchange personal information including credit information about you with any person who proposes to guarantee, or has guaranteed, the repayment to us of any credit provided by us to you.

If you propose to guarantee, or have guaranteed, the repayment to us of any credit provided by us to any person, we may exchange personal information including credit information about you with that person and any other guarantor.

Identity verification using a credit reporting body

We may verify your identity using personal information about you held by a credit reporting body. To do this, we may disclose personal information about you including your name, date of birth and address to the credit reporting body to obtain an assessment of whether that personal information matches information held by the credit reporting body. The credit reporting body may give us a report on that assessment and to do so may use personal information about you and other individuals in their records. Alternative means of verifying your identity are available on request. If we are unable to verify your identity using information held by a credit reporting body, we will provide you with a notice to this effect and give you the opportunity to contact the credit reporting body to update personal information about you that it holds or to verify your identity using an alternative method that is acceptable to us.

Disclosure outside Australia

We may send personal information about you to organisations outside Australia:

  • to provide a product or service that you have requested;
  • when we use service providers that are located outside Australia and/or do not carry on business in Australia; and/or
  • to meet our obligations under Australian law or the law of another country.

Please see our Privacy Policy for more information including the locations outside Australia to which we may send personal information about you.

If we have issued you with a VISA card, it will be subject to the VISA Account Updater service. The service enables the electronic exchange of updated account information among participating merchants, their financial institutions and VISA card issuers (including us). We send an electronic file with updated account information to VISA whenever your account information changes (for example, a new card number or expiry date). A merchant that holds your VISA account information on file and with whom you have an ongoing payment relationship can request your up-to-date VISA account information from VISA, which responds using the information that it has received from us. The merchant will not receive updated account information if you have informed us that your card has been lost or stolen. Please ask us before you apply for a VISA card if you have concerns about what the service may mean for you.

Access, Privacy Policy and complaints

You can gain access to the personal information including credit information about you that we hold by contacting us. Our Privacy Policy explains how you can gain access to, or ask us to correct, personal information including credit information about you that we hold and how our complaints process works. A copy of our Privacy Policy and information about how to contact us are available at www.newcastlepermanent.com.au.

Lenders Mortgage Insurance (LMI)

If you apply for credit that we require to be mortgage insured, we may apply to the Insurer described below for LMI for the loan (including any additional amount that we approve in future).

You agree that we may exchange personal information including credit information about you and any guarantor, to the extent permitted by privacy law, with the Insurer at any time and for any purpose related to LMI including to allow the Insurer:

  • to assess the risk of insuring us in respect of the loan to you,
  • to decide whether to insure us in respect of the loan to you,
  • to assess the risk of default by you, and
  • to determine its rights and obligations in the event of default by you.

You agree that the Insurer may use personal information including credit information about you and any guarantor, to the extent permitted by privacy law, at any time and for any purpose related to LMI including:

  • administering, monitoring and managing LMI and the Insurer’s obligations under LMI generally, and
  • enforcing the Insurer’s rights under LMI or in respect of a claim.

In particular (but without limiting the general nature of the previous paragraphs), the Insurer may:

  • receive, collect, hold, use and disclose personal information including credit information that you and any guarantor have provided to us to the Insurer’s related companies, service providers, reinsurers, government agencies, external dispute resolution bodies and third party advisers,
  • exchange personal information including credit information about you and any guarantor with its related companies, service providers (including providers of information technology services), reinsurers, us, parties involved in any securitisation program or similar transaction relating to us, and third party advisers where the Insurer reasonably requires the exchange of information for the purposes of fraud prevention and detection,
  • exchange personal information including credit information about you and any guarantor with a credit reporting body, and 
  • exchange personal information including credit information about you and with mercantile agents, your lawyers and financial advisers, your employer, any guarantor, referees named in your loan application, and other financial institutions and credit providers.

You can gain access to the Insurer’s privacy policy and to the personal information including credit information about you that the Insurer holds by contacting the Insurer.

Insurer means either:


Genworth Financial Services (Australia) Pty Limited
ABN 52 081 488 440
Level 26, 101 Miller Street, North Sydney NSW 2060
Telephone 1300 655 422
www.genworth.com.au

QBE Lenders’ Mortgage Insurance Limited
ABN 70 000 511 071
Level 8, 82 Pitt Street, Sydney NSW 2000
Telephone 1300 367 764
www.qbelmi.com

Credit reporting body

A credit reporting body may include personal information including credit information about you in a report to us about your creditworthiness. You may gain access to a credit reporting body’s privacy policy by contacting the credit reporting body. You have the right to request a credit reporting body not to use or disclose personal information including credit information about you if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud. You have the right to request that the credit reporting body not use your personal information including credit information for the purposes of pre-screening of direct marketing by us. Our Privacy Policy contains additional information about credit reporting bodies and the disclosure and use of personal information including credit information about you.

Credit reporting body means:

Veda Advantage Information Services and Solutions Limited
PO Box 964, North Sydney NSW 2059
www.veda.com.au

Experian Credit Services Pty Limited
GPO Box 1969, North Sydney NSW 2060
www.experian.com.au

Dun & Bradstreet (Australia) Pty Ltd
PO Box 7405, St Kilda Road, Melbourne, Victoria 3004
www.dnb.com.au