The Westlawn Group of Companies is comprised of:

Westlawn Finance Limited ABN 19 096 725 218 Australian Credit Licence No.387844

Westlawn Wealth Management Pty Ltd ABN 32 124 861 409 Authorised Representative GWM Adviser Services Limited ABN 96 002 071 749, Australian Financial Services Licensee, 105 – 153 Miller Street North Sydney NSW 2060

Westlawn Life Insurance Pty Ltd ABN 91 164 146 285 Corporate Authorised Representative (No. 444800) of ClearView Financial Advice Pty Limited ABN 89 133 593 012 AFS Licence No. 331367 GPO Box 4232, Sydney NSW 2001.

Westlawn Insurance Brokers Pty Ltd. ABN 65 075 847 291 Australian Financial Services No.246520

Westlawn Business Services Pty Ltd (ABN 69 125 786 601)

For the purposes of this Policy Document we are referred to as “WESTLAWN” or “WESTLAWN GROUP”.

The Westlawn Group of Companies offers a range of financial, insurance,investment, accounting and tax products, services and advice.

Personal information collection

Westlawn, in carrying out its management role, has a need to collect personal information. Westlawn collects personal information when an individual gives information by filling out application or other forms and the Contact us enquiry on this Website. The information may be collected directly by us or our agents.

The personal information you provide to us will be retained only for as long as necessary to fulfil the purpose for which the information was collected or as required by law. We will not collect any personal information about you unless you have knowingly provided that information to us or authorised a third party to provide that information to us.

In common with many commercial websites we may also collect aggregated information which tells us about visitors to the Website but not the identity of those visitors except where a website user has previously registered with the site and has logged in with their account details. For example, we may collect information about the date, time and duration of visits and which pages of this Website are most commonly accessed. This information is used by us to help to administer and improve the Website.

To provide competent and effective service across a wide range of products and services, Westlawn needs to collect and handle personal information. It is important to our Group that you are confident that we treat your personal information appropriately and with the degree of importance it deserves.

The Commonwealth Privacy Act 1988 has been amended to regulate the collection and handling practices of the Private Sector and the legislation is effective from 21.12.2001.
Included within the amendments are National Privacy Principles (NPPs), and our Organisation has incorporated these principles within our Corporate Privacy Policy. The principles within the amendments cover:

  • Collection
  • Use & Disclosure
  • Data Quality
  • Date Security
  • Openness
  • Access & Correction
  • Identifiers
  • Anonymity
  • Transborder Data Flow
  • Sensitive Information.

What is personal information?

Personal information is any information, written or verbal about you, that identifies you, or by which your identity can be reasonably established or determined.

Consent to obtain personal information

In most cases we will require you to specifically consent to any collection, use or disclosure of your personal information by the Westlawn Group. Your consent will normally be required in writing but we may accept your verbal consent in certain circumstances. No matter how your consent is obtained, or how the information is collected, it will be dealt with by Westlawn in accordance with this Privacy Policy.

Why do we collect your personal information?

The primary purpose of collection of your personal information is to:

  • Meet legal obligations.
  • Consider applications and approaches you make to us.
  • Assess your suitability as an individual or business for the provision of credit and if approved, for the initial establishment of a facility and to administer that facility to finalisation. This could include some form of personal guarantee from individuals involved in the borrower’s business.
  • Process your application for Unsecured Notes.
  • Assist you in obtaining suitable insurance cover.
  • Assist you in the organisation of an investment or superannuation plan.
  • Provide services and advice in relation to accounting and taxation
  • Communicate with you about your Westlawn products and services.
  • Improve our products and services.
  • Identify you and protect you from unauthorised access to your personal information should you require information of a personal nature at a later date.
  • To market and promote our products and services.

If we do not collect, or you do not supply the personal information the Westlawn Group requests, we are unable to conduct any business with you.

Where possible we will collect personal information directly from you. Collection may take place when you complete an application form for a product or service, request a product or service over the telephone or by fax. You may also have an application or a request submitted by a third party.

Often personal information is collected during the course of our ongoing relationship or when you approach us for a variation to our existing arrangements, products or facilities.
In some circumstances, Westlawn may collect personal information about you from other sources. Some of these may include:

  • A credit reference from a source mentioned in a report from a Credit Reporting Agency when assessing your application for the provision of credit
  • Your employer in the course of the administration of your membership of a superannuation fund
  • Other insurers or insurance agencies for the purpose of establishing an insurance policy.

Use of personal information

The Westlawn Group uses the personal information we collect so that we may continue to conduct our business of providing ongoing financial products or services.

Direct marketing

The Westlawn Group does not supply your personal information to any organisation for the purposes of direct marketing.

The personal information you provide may be utilised at a later date to allow the Westlawn Group to market, direct to yourselves, information about our additional products and services. You may decline at any time to receive any of this promotional material.

Disclosure of personal information

The Westlawn Group may disclose your personal information to other parties or organisations in certain circumstances.

Sometimes we are required or authorised by law to disclose personal information. As an example in response to a court order or the Australian Tax Office under taxation laws.
You may also authorise us to provide your personal information to others. This consent will need to be provided in writing.

Generally however we will not disclose your personal information to any parties or organisations, outside of the Westlawn Group, unless those parties or organisations are contracted or employed to provide administrative services on our behalf and are bound by the same privacy principles we follow. Contractors and third party introducers have entered into written contractual agreements with Westlawn to uphold our privacy principles, and any employee is subject to confidentiality agreements. Some examples of parties or organisations outside of the Westlawn Group, to whom we may disclose your personal information, are:

  • Debt Collection Agency
  • Another Credit Provider
  • Credit Reporting Agency
  • Your Agents including Finance Broker, Stock Broker or Financial Adviser
  • Your Insurer
  • Any referees or your Employer
  • Any person who introduced you to us
  • Westlawn’s IT suppliers and service providers
  • Westlawn’s Company Solicitors
  • Westlawn’s Company Auditors.

Disclosure

We only use and disclose personal information about you for the purpose for which it was disclosed to us or related purposes which would reasonably be expected without your permission. We may disclose personal information to third parties who provide services in connection with our products and services or to your nominated financial advisor.

  • Third parties to whom Westlawn (Finance) may disclose your personal information include:
  • Our agents who maintain information on our behalf or who provide services
  • Regulatory authorities, or as required to fulfil legal and regulatory requirements
  • Related and non-related entities for purposes of marketing our products and services, and
  • Service providers who assist us in assessing the capability of an existing or prospective borrowers to meet its financial obligations.

We may from time to time use your personal information to inform you of investment opportunities or to provide information about products and services which we expect may be of interest to you. However, we do respect your right to ask us not to do this.

Data quality

Westlawn rely on the personal information we hold to efficiently continue our working relationship with you. For this reason it is of utmost importance that the personal information we collect from you is accurate, complete and up to date.

At each contact we will ask you to tell us of any changes to your personal information. However you can contact us at any time to update your personal information or advise us if any information we hold is inaccurate or incomplete.

Data security

The protection of your personal information is a priority to the Westlawn Group.
We take all reasonable precautions to safeguard your personal information from loss, misuse, unauthorised access, modification or disclosure. We utilise various safeguards to protect your personal information. These include:

  • External and internal premises security
  • Restricted access to personal information
  • Confidentiality agreements with employees, contractors or third party introducers
  • Technology products and testing to prevent unauthorised access
  • Regular review and testing of our technology to improve levels of security
  • Conduct appropriate staff training to reinforce our privacy policy.

When we no longer require your personal information, it is our policy to securely delete or destroy the information from our systems. This deletion or destruction takes into account any statutory requirements to retain such information for certain periods of time.

Access and correction

You may request access to any of the personal information we hold. This access can be exercised by contact with the Branch Manager or Privacy Officer of the Office where your account is held.

Contact details are:

Grafton
Phone 02 66420400
Address: 22 Queen Street Grafton NSW 2460

Coffs Harbour
Phone:: 02 66916600
Address: 46 Park Avenue Coffs Harbour NSW 2450

Casino
Phone: 02 66614900
Address: 91 Barker Street Casino NSW 2470

Lismore
Phone:  02 66259600
Address: 103-105 Molesworth Street Lismore NSW 2480

Yamba
Phone: 02 66033600
Address: 26 Yamba Street Yamba NSW 2464

Ballina
Phone: 02 66182400
Address: 1/75 Tamar Street Ballina NSW 2478

Tenterfield
Phone: 02 67367800
Address: Level 1/212 Rouse Street Tenterfield NSW 2372

Murwillumbah
Phone: 02 66713300
Address: 84 Main Street Murwillumbah NSW 2484

Macksville
Phone: 02 65988600
Address: 29 Wallace Street Macksville NSW 2447

Westlawn Insurance Brokers
Phone: 02 66420488
Address: 22 Queen Street Grafton NSW 2460

Westlawn Wealth Management
Phone: 02 66420433
Address: 22 Queen Street Grafton NSW 2460

Westlawn Life Insurance
Phone:
Address: 02 66420433
Address: 22 Queen Street Grafton NSW 2460

Westlawn Business Services
Phone: 02 66420444
Address: 22 Queen Street Grafton NSW 2460

In most cases a summary of personal information such as name, address, contact telephone numbers, policy or account details or products or services you hold with us are freely available. More detailed access to your personal information will be handled as quickly as possible. We will endeavour to process any request for personal information within 14 days of receipt of request. Some requests may take longer depending on the information sought.
The legislation states that Westlawn are not always required to provide you with access to your personal information you request. We may refuse access in a number of circumstances. Some of these circumstances may be:

  • Existing or anticipated legal proceedings with you
  • Access may be denied by law
  • Access is considered to be frivolous or vexatious.

If we deny you access to your personal information we will explain why.
If we cannot locate the information you request we will advise you immediately and explain why the information cannot be located.

Correction of personal information held

If we mutually agree if some or all of the personal information the Westlawn Group holds is not accurate, complete or up to date, correction by overwriting or deletion will be made.

Identifiers

The Westlawn Group does not use Commonwealth Identifiers as a means of identifying the personal information we collect from or about you.

We only use Commonwealth Identifiers as a means by which you prove your identity, such as when you are establishing an investment account or for the purpose required by law when we supply your tax file number to the Australian Tax Office.

Anonymity

Generally it is not possible for Westlawn to transact business with you unless we have proven your identity and in some cases, such as opening an investment account, the law requires you to identify yourself to us.

Wherever it is practical or lawful to do so, we may offer you the opportunity to deal with us anonymously, for instance in making an enquiry about interest rates or any product or services we offer.

Transborder data flow

The Westlawn Group does not disclose or dispatch personal information outside of Australia unless we are instructed to do so by law or instructed by you to do so.

Sensitive information

If personal information concerns particular beliefs or backgrounds, it is considered to be of a sensitive nature. This information can include:

  • racial background
  • political opinions and political party memberships
  • religious or philosophical beliefs
  • trade union affiliations or membership
  • sexual preferences
  • criminal record
  • health.

The Westlawn Group only collects, uses or discloses sensitive information about you as allowed by law or where you have given consent to do so.