Vie Privacy Policy

Introduction

At Vie Finance & Insurance, we are committed to protecting and respecting your privacy. This Privacy Policy outlines how we collect, use, store, and protect your personal information in compliance with the Privacy Act 1988 (Cth) (Privacy Act), the Australian Privacy Principles (APPs), and other relevant Australian laws. This policy applies to all customers, clients, and users of our services, including our finance and insurance offerings.

Who We Are

Vie Finance & Insurance (ABN 58 608 494 355) is an Australian-owned company providing integrated finance and insurance solutions to individuals and businesses. Our services include Property Finance, Asset Finance, General Insurance, and Personal Insurance. We act as credit representatives under our Australian Credit Licence (ACL 522143) and as an insurance intermediary, under the licenses of Wealth Today and Community Broker Network (CBN).

Our subsidiaries include:

• Vie General Insurance Pty Ltd (ABN 80 655 329 016), trading as Vie Finance & Insurance, is an Authorised Representative (AR 1294745) of Community Broker Network Pty Ltd (AFSL 233750, ACN 096 916 184).
• Vie Personal Insurance Pty Ltd (CAR 1309024) is an Authorised Representative of Wealth Today Pty Ltd (ABN 62 133 393 263, AFSL 340289), located at Level 5, 95 Pitt Street, Sydney, NSW 2000.

Information We Collect

We collect personal information in a variety of ways, including through our website, enquiry forms, phone calls, emails, and in-person meetings. The information we may collect includes:

• Personal Information: Name, address, phone number, email address, date of birth, gender, and employment details.
• Financial Information: Income, assets, liabilities, credit history, employment status, and tax details.
• Sensitive Information: Health information, details of vulnerabilities, and personal circumstances that may impact your insurance or financial situation.
• Credit Information: Consumer and commercial credit reports, including credit history and payment defaults, if applicable.
• Insurance Information: Claims history, medical records (where relevant), and policy details.

We may also collect information from third parties such as credit reporting agencies, insurance providers, and government bodies to assist with our services.

Our primary purpose for collecting personal information is to provide financial services advice and maintain accurate records. At or before the time we collect your personal information, we will take reasonable steps to inform you why we are collecting it, who it may be disclosed to, and the potential consequences of not providing the information.

When consulting with you about our finance services, we will also provide a Credit Guide and a Privacy Disclosure Statement and Consent document. If you would like an additional copy, please contact one of our branches.

Use of Personal Information

We use your personal information for the following purposes:

• To Provide Services: To assess and process your insurance and finance applications; to offer tailored financial advice; and to manage and service your ongoing finance and insurance needs.
• For Compliance: To comply with our legal obligations, including anti-money laundering and counter-terrorism financing laws, as well as meeting regulatory requirements set by ASIC and the Australian Prudential Regulation Authority (APRA).
• For Marketing and Communication: To inform you about our products and services, provide updates and promotions, and engage in customer retention activities. You can opt out of marketing communications at any time by following the unsubscribe link in emails or contacting us directly.
• To Protect Our Rights: To manage risks and protect our business interests, including through the use of personal data for fraud prevention and enforcement of contractual agreements.

Disclosure of Personal Information

We may disclose your personal information to:

• Third-party service providers: These may include insurers, credit providers and financial institutions. We ensure that these parties handle your information with the same level of privacy protection.
• Credit and Insurance Reporting Services: We may disclose your information to credit reporting agencies (e.g., Equifax, Experian) or to insurers to assess your eligibility for products and services.
• Regulatory Bodies: We may disclose your personal information to regulatory authorities such as ASIC, APRA, and the Australian Transaction Reports and Analysis Centre (AUSTRAC) when required by law.
• Overseas Disclosures: Some of our third-party service providers and partners may be located overseas. In such cases, we will take reasonable steps to ensure that your information is handled in compliance with Australian privacy standards.
• Other Parties: Where permitted or required by law, we may disclose your information to other parties such as law enforcement or legal entities for the purposes of complying with legal obligations or resolving disputes.

How We Store & Protect Your Information

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. We store personal information in secure physical and electronic locations. We implement robust security measures such as encryption, access control, and regular audits to ensure the confidentiality and integrity of your data.

Your Rights & Choices

Under the Privacy Act, you have the right to:

Access and Correct Your Information: You can request access to the personal information we hold about you. If you believe any information is incorrect, you can request that we correct it.

Opt-out of Marketing Communications: You can opt out of receiving marketing communications at any time by following the unsubscribe link in emails or contacting us directly.

Request to Restrict or Delete Your Information: In certain circumstances, you may ask us to restrict the use of or delete your personal information. However, there may be legal or contractual obligations that prevent us from fulfilling such requests.

To report a breach or potential breach of our privacy policy or the National Privacy Principles, or for any privacy-related enquiries, complaints, or requests, please contact our Privacy Officer using the details below. We will address your complaint within 30 days and aim to resolve it to your satisfaction. If unsatisfied with our response, you may contact the Office of the Privacy Commissioner for further investigation.

Privacy Officer
Vie Finance & Insurance
41a Tamar Street, Launceston, TAS 7250
Phone: 1300 400 843
Email: privacy@vie.com.au

Data Retention

We will retain your personal information for as long as necessary to fulfil the purposes outlined in this Privacy Policy, including compliance with our legal obligations, dispute resolution, and ongoing service delivery. Once the information is no longer needed, we will securely dispose of it in accordance with applicable laws.

Complaints & Disputes

If you have any concerns or complaints about how we handle your personal information, please contact us using the details above. We take your feedback seriously and will respond to your concerns promptly.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC). The OAIC can investigate privacy-related complaints and provide guidance.

Contact details for the OAIC:

Website: www.oaic.gov.au

Email: enquiries@oaic.gov.au

Phone: 1300 363 992

Mail: GPO Box 5218, Sydney NSW 2001

Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services, legal requirements, or privacy practices. Any updates will be published on our website, and the revised version will be effective from the date of publication.