Privacy Policy

Who are we?

‘We’, ‘us’ and ‘our’ refer to GOSH GROUP PTY LTD. trading as LoanTime ABN 53 665 445 438

Protecting Your Privacy: Our Priority

• Purposeful Collection: Any personal information we gather is solely intended for specific, lawful purposes. We ensure that your data is used only for the purposes for which it was collected or as permitted by law.
• Transparency: We believe in transparency. Our privacy policy clearly outlines how we handle your personal information, providing you with clarity and confidence in our practices.
• Compliance: We adhere strictly to the Australian Privacy Principles, as mandated by the Privacy Act and other relevant legislation. This ensures that your personal information is handled in accordance with the highest standards of privacy protection.

Your trust is paramount to us. Rest assured, we are committed to upholding the highest standards of privacy protection and treating your personal information with the utmost care and respect.

Personal Information

We gather various types of personal information, including credit information, to effectively assess your eligibility for financial products and services. This encompasses details such as your name, address, date of birth, occupation, and financial specifics like outstanding loans, repayment history, and any defaults. Furthermore, we may request additional information if you’re applying for finance, such as the ages and number of dependants, length of residence at your current address, employment particulars, and proof of income and expenses. In cases where you seek insurance products through us, we may also request your health information, but rest assured, this is only collected with your explicit consent, prioritizing your privacy and confidentiality.

Why we collect your personal information

We gather personal information to evaluate your finance application and to effectively manage the provided finance. Additionally, we may collect your personal information to facilitate direct marketing efforts and to ensure smooth management of our relationship with you. Periodically, we may also extend offers for other products and services.

In order to uphold a fruitful business relationship, we may share your personal information with other organizations offering products or services utilized or promoted by us. Furthermore, your personal information may be disclosed to any organization with a current or potential interest in your finance or in our business operations.

How do we collect your personal information?

Whenever feasible and appropriate, we will obtain your personal information directly from you. Additionally, we may also gather your personal information from finance brokers, as well as other individuals such as accountants and lawyers.

Do we disclose your personal information?

We may disclose your personal information.

• To potential lenders or other intermediaries related to your financial needs.
• To other organizations involved in the management or management of our finances, such as:  Third Party Providers, Printing and Postal Services, and Call Centers.
• For affiliates who want to sell their products to you.
• Companies that provide information and infrastructure systems.
• A person who represents you, such as a financial broker, lawyer, or accountant.
• To anyone for whom you have given us your consent.
• If we are required to do so by law, such as the Money Laundering and Courtship and Terrorist Financing Act 2006 (Cth).
• Investors, agents, advisors or other companies with an interest in our business; or
  to your employer, arbitrator, or identity verification service.

Before disclosing your personal data to any other person or entity, we will take all reasonable steps to ensure that:

(a) that person or organization has efforts to protect your personal information that are at least comparable to our efforts; or

(b) you consent to us sharing it;

We may use cloud storage to store personal information about you. Cloud storage and IT servers may be located outside Australia.

We may share your personal information with foreign companies that provide support functions to us. Please contact us for more information about these companies.

The credit reporting organisation may share the information we report about you with other credit providers to help them assess your creditworthiness. If you conduct or have committed a major credit infringement, the credit reporting body may notify other credit reporting organisations. For more information, please contact the following credit reporting agency www.equifax.com.au

Direct marketing

From time to time, we may use your personal information to provide you with financial updates, offers that may be of interest to you, changes to our organization, or new products or services offered by us or the companies we work with. may be used.

If you do not wish to receive marketing information, you may opt-out of receiving such information at any time by calling us on 0434100948 or by writing us at  44 Gallipoli Dr, Edmondson Park NSW 2174. If direct marketing is sent to you via email, you may also use an unsubscribe facility. We will not charge a fee to fulfill your request and will take all reasonable steps to comply with your request as quickly as possible.

Updating your personal information

We value the accuracy and timeliness of the personal data we have on file about you. We might ask you to let us know if any of your personal information changes while we’re still in contact with you.

You can get in touch with us if you want to make any changes to your personal data. Generally speaking, it will be up to you to make sure the data we have about you is correct or comprehensive.

Access and correction to your personal information

We provide you with access to personal information that we hold about you. You can request access to the personal data we hold about you at any time.
We may charge a fee to cover our costs in accessing and providing the information to you.
Depending on the content of your request, we may respond immediately. Otherwise, we will generally respond within 7 business days of receiving your request. We may need to contact other companies to properly evaluate your request. There may be times when we do not need to provide you with access to your personal information, for example, if the information is relevant to ongoing or anticipated legal proceedings, or if your request is offensive. there is.
If we deny you access to the personal information we hold about you, we will provide you with an explanation.
If the personal information we hold about you is inaccurate or out of date, you may request that we amend it. We will amend your personal data as necessary. Otherwise, we will provide you with an initial response upon your request within 7 business days of receiving your request. If appropriate, we will provide you with details of whether we have corrected your personal information within 30 days of our investigation.
As part of our investigation, we may need to consult other companies.
If we refuse to correct your personal information, we will notify you of the reason.

Use of Government Identifiers

If we collect government identifiers, such as your tax file number, we strictly limit the use and disclosure of this information to what is required by law. Rest assured, we never use a government identifier to identify you.

Business Transactions without Identification

While it’s usually necessary to identify you for business purposes, where lawful and feasible, we provide the option to conduct business with us without furnishing personal information. For instance, if you inquire about general interest rates or ongoing promotions.

Handling Sensitive Information

Your consent is essential for us to collect sensitive information about you. This includes details related to your racial or ethnic background, political affiliations, memberships, sexual orientation, criminal history, or health status.

Security Measures for Personal Information

We prioritize the security of your personal information by storing it in a secure environment, whether in paper or electronic form. Additionally, we take reasonable precautions to prevent misuse, loss, unauthorized access, alteration, or disclosure of your personal information.

Complaints

You can reach on this number 0434100948 or by sending an email at info@loantime.com.au if you have any issues regarding our adherence to the Privacy Act or if you are unhappy with how we have handled your personal information.

We promise to respond to your complaint within a week. Within 30 days, we will respond to your complaint with a decision.

In the event that you are not pleased with the response you received from our complaints officer, you have two options for resolving disputes: Alternatively you can contact our External Dispute Resolution Scheme, Australian Financial Complaints (AFCA), at 1800 931 678 or https://www.afca.org.au/.

Further information

Please contact us if you would like more details on how we handle your personal data.

Change in our privacy policy

We make an effort to stay current with market expectations and examine all of our policies on a regular basis. Technology, legislation, and business practices are all ever-evolving.

As a result, we reserve the right to periodically or as needed modify this privacy statement.

This privacy statement is available upon request in another format.