Your privacy is important to us

ECJ Finance Pty Ltd (“ECJ Finance”) has created this Privacy Policy in order to demonstrate its firm
commitment to protecting your personal information in accordance with the Privacy Act and the
Australian Privacy Principles (APPs).

1. This Privacy Policy applies to personal information collected by ECJ Finance.
2. ECJ Finance is bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
3. ECJ Finance will update this Privacy Policy as required. If it is changed, the updated version will be posted on our website so that you are always aware of the information we collect, how it may be used, and under what circumstances it may be disclosed.
4. Please note that if at any time we are required by law to release information about you or your organisation, we must cooperate fully.
5. This Privacy Policy does not apply to acts or practices directly related to employee records of current or former employees.

What Sort Of Information Does ECJ Finance Collect And Hold?

We collect information about you (“Information”) in several ways.

1. We collect Information when assisting you with your finance or credit needs. This may include personal details, contact information, financial information (income, expenses, credit history), identification documents, business information for commercial lending, and sensitive information including health or vulnerability details.
2. Due to the nature of our services, it is generally not practical for individuals to remain anonymous or to use a pseudonym. However, in limited cases (such as general website enquiries) this may be possible.

What Happens If You Do Not Provide The Information?

1. If you do not provide the Information we require, we may be unable to properly advise or assist you with your finance or credit needs.

Why and How Does ECJ Finance Collect The Information And How Is It Used By Us?

1. We collect Information through emails, online forms, telephone conversations, face-to-face meetings, or via third parties such as our credit licensee or lenders.
2. We use the Information to provide you with credit assistance, financial guidance, and related services. For example, we may use it to assess your borrowing capacity or prepare applications to lenders on your behalf.
3. We use the Information to send you updates or information that you request.
4. Occasionally, we may contact you about new services, promotions, or events we believe may be of interest to you. You may opt out at any time by contacting us or unsubscribing.
5. If you contact us, we may keep a record of that correspondence.

To Whom Does ECJ Finance Disclose Your Personal Information?

1. We do not sell or rent our client database.
2. We may disclose Information to our credit licensee (Connective) for administration and compliance purposes.
3. We may disclose Information to lenders, mortgage brokers, financial institutions, and their representatives as required to provide the services you request.
4. We may disclose Information to contractors or service providers who assist us with business operations, including mailing houses, administration services, IT services, or cloud-based systems.
5. We may disclose Information to offshore service providers (for example, administrative support based in the Philippines). We will take reasonable steps to ensure these providers protect your Information in accordance with the APPs.
6. We may disclose Information to regulatory bodies such as ASIC or AFCA, if required.
7. We may disclose Information if required by law, or in circumstances permitted by the Privacy Act.
8. We may disclose Information as part of a corporate sale, merger, or reorganisation, if relevant.
9. We will not disclose your Information to any other third parties unless you consent.

How Will ECJ Finance Keep Your Personal Information Secure?

We use a range of measures to protect the Information under our control. These include:

1. Secure cloud-based systems with restricted access for authorised personnel only.
2. Regular system backups and security updates.
3. Workplace policies and staff training on the handling and protection of personal information.
4. Contractual confidentiality obligations with staff and contractors.
5. Secure disposal of any physical documentation no longer required.

Correcting and Updating Your Personal Information

ECJ Finance gives you the following options for accessing and modifying Information previously provided:

1. You may request access to the Information we hold about you by writing to the contact listed below. We will not charge you for making the request, unless we incur costs in retrieving the Information.
2. You may request correction or updating of your Information at any time by notifying us in writing.

Complaints

You may make a complaint about ECJ Finance’s handling of your personal information, or about your dealings with us in relation to your personal information, by contacting the person named below. We will endeavour to resolve any concerns as quickly as possible.

How to Contact Us
If you have any questions about this Privacy Policy, or if you wish to access or correct your personal information, please contact:

Jesse Canon
ECJ Finance Pty Ltd
Level 2, Piers 2 & 3, 13 Hickson Road, Walsh Bay NSW 2000
Phone: (02) 9264 1111
Email: jesse.canon@ecovis.com.au

External Complaints (AFCA)
If your concerns are not resolved within 45 days, you may contact:
Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Website: https://www.afca.org.au
GPO Box 3, Melbourne VIC 3001