Privacy Policy
Who Are We?
'We', 'us' and 'our' refer to OVM Finance Group Pty Ltd, ABN (99 662 462 393), Australian Credit Licence Number 384704) and our related businesses.
Our Commitment to Protect Your Privacy
At OVM Finance Group, we understand that the details you provide us are private and personal. It's important that you feel secure whenever you deal with us. It's also important that you understand how we protect your privacy and the manner in which we may use your details. As such our policies relating to personal information are designed to ensure that you are fully protected under Australian privacy laws.
Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.
Personal Information
When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.
Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.
The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we need to identify you.
If you are applying for finance we may also collect the ages and number of your dependents and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses. If you apply for any insurance product through us we may also collect your health information. We will only collect health information from you with your consent.
Why We Collect Your Personal Information
We collect personal information when you apply to join our network or for the purposes of assessing your application for finance and managing that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time we may offer you other products and services.
To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us. We may also disclose your personal information to any other organisation that may have or is considering having an interest in your finance, or in our business.
How Do We Collect Your Personal Information?
Where reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from finance brokers and other people such as accountants and lawyers.
Do We Disclose Your Personal Information?
We may disclose your personal information:
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to prospective funders or other intermediaries in relation to your finance requirements;
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to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres;
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to associated businesses that may want to market products to you;
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to companies that provide information and infrastructure systems to us;
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to anybody who represents you, such as finance brokers, lawyers and accountants;
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to anyone, where you have provided us consent;
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where we are required to do so by law, such as under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 (Cth);
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to investors, agents or advisers, or any entity that has an interest in our business; or
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to your employer, referees or identity verification services.
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
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(a) the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
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(b) you have consented to us making the disclosure.
We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia.
We may disclose your personal information to overseas entities that provide support functions to us. You may obtain more information about these entities by contacting us.
Direct Marketing
From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.
If you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on 0452 199 461 or by writing to us at contact@ovmfinance.com.au. If the direct marketing is by email you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
Updating Your Personal Information
It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.
If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or complete.
Access and Correction to Your Personal Information
We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time.
We may charge a fee for our costs of retrieving and supplying the information to you.
Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious. An explanation will be provided to you if we deny you access to the personal information we hold about you.
If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information. At the time of the request, otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.
We may need to consult with other entities as part of our investigation. If we refuse to correct personal information we will provide you with our reasons for not correcting the information.
Using Government Identifiers
If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law. We will never use a government identifier in order to identify you.
Business Without Identifying You
In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.
Sensitive Information
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
How Safe and Secure Is Your Personal Information?
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 form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
Complaints
If you are dissatisfied with how we have dealt with your personal information, or you have a complaint
about our compliance with the Privacy Act, you may contact our complaints officer on 1800 466 085
or by writing to compliance@finsure.com.au.
We will acknowledge your complaint within seven days. We will provide you with a decision on your
complaint within 30 days.
If you are 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.auor 1300 363 992.
Further Information
You may request further information about the way we manage your personal information by contacting us.
Changes to Our Privacy Policy
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and marketplace practices. As a consequence we may change this privacy policy from time to time or as the need arises.
You may request this privacy policy in an alternative form.
Website Disclaimer
Disclaimer and Limitation of Liability
Content
The content of this website (6313.manta.eco) includes text, software, graphics and advertisements provided by OVM Finance Group, its affiliates, third parties and independent contractors.
Whilst OVM Finance Group takes reasonable steps to ensure that the information on its website is correct, it makes no representations or warranties that the content will be complete, accurate, reliable, suitable or up to date, or that your access to the website will be uninterrupted or error-free, or that the website or hosting servers are free of viruses or other harmful components.
OVM Finance Group does not accept any responsibility or liability for any actions taken as a result of, or in reliance on, information on its website. In addition, OVM Finance Group reserves the right to change information on its website at any time and without notice in its absolute discretion.
OVM Finance Group does not warrant or guarantee that its website or web services will be available uninterrupted or free from errors or viruses and accepts no liability for any loss or damage suffered by any user. Users access and use the OVM Finance Group website and web services entirely at their own risk.
If you believe any information on the OVM Finance Group website is inaccurate, out of date or misleading, please bring it to our attention by email to [insert business email].
Exclusions
To the extent permitted by law, OVM Finance Group and its affiliates exclude:
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All warranties, conditions and terms implied by statute, general law or international convention including, without limitation, any and all implied warranties relating to merchantability, fitness for purpose, title and non-infringement; and
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Liability to you or any person in respect of any loss or damage arising out of or in connection with any use of the website or the information on or provided through the website, including (without limitation) consequential, incidental, indirect, special, punitive or exemplary damages (such as loss of profits, loss or corruption of data, or loss of goodwill), even if advised of the possibility of such loss or damage.
Where the law implies any condition or term in relation to your use of the website or any agreement arising from your access to the website and that law prohibits exclusion of that condition or term, then that condition or term is included. However, to the extent permitted by law, OVM Finance Group and its affiliates limit their liability for breach of such condition or term to the resupply of the services.
Intellectual Property
The following marks are the intellectual property of OVM Finance Group and/or its licensors.
All other trademarks displayed on this website are the property of their respective owners. Nothing contained on this website should be construed as granting any licence or right to use any trademark displayed on the website without the express written permission of OVM Finance Group or the relevant third-party owner.
Copyright
Unless otherwise stated, the copyright in the content is owned by OVM Finance Group, its suppliers and/or licensors. The content is protected by Australian and international copyright and trademark laws and is provided for information purposes only.
Except as expressly provided above and subject to any fair dealing permitted under the Copyright Act 1968 (Cth), OVM Finance Group grants visitors to the website a licence to download, display, print and reproduce this material for private use or within their organisation for non-commercial purposes only.
Terms and conditions
Welcome to our website. If you continue to browse and use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern the Company's relationship with you in relation to this website. If you disagree with any part of these terms and conditions, please do not use our website.
The term 'the Company' or 'us' or 'we' refers to the owner of the website. The term 'you' refers to the user or viewer of our website.
The use of this website is subject to the following terms of use:
Content
The content of the pages of this website is for your general information and use only. It is subject to change without notice.
Unauthorised use
This website uses cookies to monitor browsing preferences. If you do allow cookies to be used, the personal information which may be stored by us for use by third parties is detailed in the privacy policy.
Warranty
Neither we nor any third parties provide any warranty or guarantee as to the accuracy, timeliness, performance, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You acknowledge that such information and materials may contain inaccuracies or errors, and we expressly exclude liability for any such inaccuracies or errors to the fullest extent permitted by law.
Liability
Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services or information available through this website meet your specific requirements.
Ownership
All trademarks reproduced in this website, which are not the property of, or licensed to the operator, are acknowledged on the website.
Links to other websites
From time to time, this website may also include links to other websites. These links are provided for your convenience to provide further information. They do not signify that we endorse the website(s). We have no responsibility for the content of the linked website(s).
Use licence
Permission is granted to temporarily download one copy of the materials (information or software) on the Company's website for personal, non-commercial transitory viewing only. This is the grant of a licence, not a transfer of title, and under this licence you may not:
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modify or copy the materials;
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use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
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attempt to decompile or reverse engineer any software contained on the Company's website;
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remove any copyright or other proprietary notations from the materials; or
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transfer the materials to another person or "mirror" the materials on any other server.
This licence shall automatically terminate if you violate any of these restrictions and may be terminated by the Company at any time. Upon terminating your viewing of these materials or upon the termination of this licence, you must destroy any downloaded materials in your possession whether in electronic or printed format.
Governing law
Your use of this website and any dispute arising out of such use of the website is subject to the laws of Australia.