In managing your personal information, the Credit Union is committed to complying with the National Privacy Principles contained in the Privacy Act 1988 (as amended) and the Mutual Banking Code of Practice. A copy of the Privacy Policy is available on request.

Collection and Use of Personal Information

The Credit Union collects personal information from you when you apply for membership, when you apply to use our products and services, and when you advise us of changes to your personal information.

We collect information to enable us to:

• assess your eligibility for membership and, if accepted, to provide membership benefits to you;
• assess your eligibility for products and services and, if approved, provide you with these products and services; and
• provide you with information about products and services available to you from Credit Union and associated businesses, including information about discounts, competitions, and special offers.

This information may include matters relating to:

• contact details;
• financial information;
• taxation information (including a tax file number); and
• health information.

You agree that personal information about you which may at any time be provided to us in connection with a facility for which application is made may be held and used by us to assess and process the application, to establish, provide and administer the facility and to execute your instructions.

You agree, if you make application for credit to us or if you act as a guarantor in respect of credit we may provide, that, in assessing the application (or, if relevant, in assessing whether to accept you as a guarantor), we may seek and obtain personal information about you from a credit reporting agency or other financial institution and may give personal information about you to another financial institution. This will include information on your credit worthiness, credit history and capacity to repay.

You also agree that we may hold and use personal information about you, which may at any time be provided to us in connection with a facility for which you make application to us, for the purposes (as relevant) of:

• considering any other application you may make to us;
• complying with legislative and regulatory requirements;
• performing administrative functions, including accounting, risk management, record keeping, archiving, systems development, credit scoring and staff training;
• managing our rights and obligations in relation to external payment systems;
• developing, establishing and administering alliances and other arrangements (including rewards programs) with other organisations in relation to the promotion, administration and use of our respective products and services;
• developing and identifying products and services that may interest you; and
• (unless you ask us not to) providing you with information about other products and services.

Where personal information which we collect about you is sensitive information (such as information about health status, membership of a professional or trade association or a criminal record), you nevertheless consent to its collection by us.

To be a member of a credit union the Corporations Act requires us to obtain your name and address. If a facility for which you make application to us is an 'account', as defined in the Financial Transactions Reports Act 1988, the collection by us of some information to verify your identity and address is required by that Act. Otherwise, the collection of information about you is not required by law, but without it, we may not be able to provide you with the facility for which you apply.

Providing Your Personal Information to Other Organisations

In providing products and services to you it may be necessary for us to provide your personal information to other organisations with which we conduct business. You agree that we may collect personal information about you from, and disclose it to, the following, even if the disclosure is to an organisation overseas and that organisation is not subject to the same privacy obligations which apply to us:

• reporting agencies;
• other financial institutions;
• mortgage insurers used by us and reinsurers of any mortgage insurer;
• our agents, contractors and external advisers (including Credit Union Services Corporation (Australia) Limited) whom we engage from time to time to carry out, or advise on, our functions and activities;
  your agents and contractors, including your finance broker, legal adviser, financial adviser, builder and settlement agent;
• your executor, administrator, trustee, guardian or attorney;
• your referees, including your employer;
• regulatory bodies, government agencies, law enforcement bodies and courts;
• any person who introduces you to us;
• other organisations (including Credit Union Services Corporation (Australia) Limited) with whom we have alliances or arrangements (including rewards programs) for the purpose of promoting our respective products and services, and any agents used by us and our business partners in administering such an arrangement or alliance;
• anyone supplying goods or services to you in connection with a rewards program associated with a facility;
  financial advisors with whom we have an agreement to provide financial advice to our members;
  debt collecting agencies;
• external payment systems operators;
• your insurers or prospective insurers and their underwriters;
• your sureties and guarantors and prospective sureties and guarantors;
• an organisation proposing to fund the acquisition of or acquire, any interest in any obligation you may owe us (whether under a loan, guarantee or security), that organisation's agents, persons involved in assessing the risks and funding of the acquisition and, after acquisition, the purchaser and any manager;
• any person to the extent necessary, in our view, in order to carry out any instruction you give to us; and
  (unless you tell us not to) our related bodies corporate for the marketing of their products and services.

Your personal information is only provided to those entities to the extent necessary to enable us to provide our products and services to you and to the extent required by law.

Personal Information About Third Parties

You represent that, if at any time you supply us with personal information about another person (for example, a referee), you are authorised to do so and you agree to inform that person who we are, that we will use and disclose their personal information for the purposes set out above, and that they can gain access to that information.

Marketing Information

If you consent to us doing so, we may provide you with information from time to time about new products and services available to you from Credit Union Credit Union, or other businesses with which we have a relationship.

Your consent to us providing this information to you will be implied unless you notify us that you do not wish to receive this information. You may do this by advising us that you do not wish to receive marketing information.

If you do not provide us with all of the relevant information
In order to provide products and services to you we require information about you. If you do not provide us with all of the relevant information we require, we may be unable to accept your application for membership or provide products and services to you. If you are applying for an account governed by the Financial Transaction Reports Act and are unable to provide account information such as your name and address and/or to verify your identity, your account cannot be opened and/or as the signatory you may not be able to withdraw funds. If you do not provide us with your Tax File Number there may also be taxation implications for you.

Personal information about third parties
You represent that, if at any time you supply us with personal information about another person (for example, a referee), you are authorised to do so and you agree to inform that person who we are, that we will use and disclose their personal information for the purposes set out above, and that they can gain access to that information.

Access to your personal information

Subject to provisions of the Privacy Act 1988, you may access personal information which we may hold about you at any time. Depending on the nature of the information requested, it may be necessary for this request to be in writing. We will respond to your request within 30 days.

If you believe any of the information held by Credit Union is incorrect, on written notification we will take all reasonable steps to ensure the information is accurate, complete and up to date.

Where information has been denied to you by the Credit Union, you may use the services of an intermediary (i.e a person or persons acceptable to both Credit Union and yourself). Your written authorisation must be provided before such access will be given to an intermediary. Where a cost for use of an intermediary will be incurred, you will be advised prior to acceptance of this service.

No fees will be charged for access to your personal information, however Credit Unionmay charge you reasonable costs for providing you with copies of information you have requested.

This information relates to our current privacy policy. We may vary this policy from time to time. Changes to our policy will be published on our website, and in our branches from time to time.

Resolving privacy issues

If you believe that the credit union has failed to observe the privacy of your personal information, you can register your concern or complaint with our Privacy Officer by contacting us.

We will respond as soon as possible and usually within 2 working days, to let you know the person in our organisation who will be responsible for investigating the matter. If we are unable to resolve the matter within 10 working days we will contact you to let you know its progress and status and when we expect the matter to be resolved.

Further Information

Should you require further information about our Privacy Policy or access to your personal information, please contact the Head Office of Credit Union.