Who are we?
‘We’, ‘us’ and ‘our’ refer to Your Business App ACN. 90 386 141 264
Our commitment to protecting your privacy
We recognize that any personal information we collect about you will only be used for the purposes for which we have collected it or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way that ensures the protection of your personal information.
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 1998 (Cth) (as amended) (Privacy Act) and any other relevant law.
When we refer to the 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 that 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 made need to identify you or used for the purpose of arranging and providing credit to you and for managing that credit. Your account information may also be used for the purpose of default and collection management where that situation exists in the management of your credit.
If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details, and proof of earnings and expenses.
Why we collect your personal information
We collect personal information 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 organizations that provide products or services used or marketed by us. We may also disclose your personal information to any other organization 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:
- to other organizations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centers; and
- to associated businesses that may want to market products to you;
- to companies that provide information and infrastructure systems to us;
- to anybody who represents you, such as finance brokers, lawyers, and accountants;
- to anyone, where you have provided us consent;
- where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth);
- to investors, agents or advisers, or any entity that has an interest in our business; or
- to your employer, referees, or identity verification services.
Prior to disclosing any of your personal information to another person or organization, we will take all reasonable steps to satisfy ourselves that:
- a. the person or organization has a commitment to protecting your personal information at least equal to our commitment, or
- b. you have consented to us making the disclosure.
We may disclose your personal and credit information to the Philippines. You may obtain more information by contacting us.
We may collect the following kinds of credit information and exchange this information with credit reporting bodies and other entities:
- credit liability information, being informed about your existing finance which includes the name of the credit provider, whether the credit provider holds an Australian Credit Licence, the type of finance, the day the finance is entered into, the terms and conditions of the finance, the maximum amount of finance available, and the day on which the finance was terminated;
- repayment history information, which is information about whether you meet your repayments on time;
- information about the type of finance that you are applying for;
- new arrangement information, which includes information about a variation to existing liabilities;
- default and payment information, which includes payments that are more than 60 days overdue and whether they have been made;
- personal insolvency information, which is information that is entered into the National Personal Insolvency Index which relate to such things as debt agreements, bankruptcy personal insolvency agreements; and
- court proceedings information.
We exchange this credit information for the purposes of assessing your application for finance, managing that finance, discharging our functions under the Bankruptcy Act 1966 (Cth), or administering your debt agreement.
This credit information may be held by us in electronic form on our secure servers and may also be held in paper form. We may use cloud storage to store the credit information we hold about you.
When we obtain credit information from a credit-reporting body about you, we may also seek publicly available information and information about any serious credit infringement that you may have committed.
We may disclose your credit information to the Philippines.
We exchange your credit information with credit reporting bodies. We use the credit information that we exchange with the credit reporting body to assess your creditworthiness, assess your application for finance, manage your finance, and administer your debt or personal insolvency agreement.
If you fail to meet your payment obligations in relation to any finance that we have provided or arranged or you have committed a serious credit infringement then we may disclose this information to a credit reporting body.
You have the right to request access to the credit information that we hold about you and make a request for us to correct that credit information if needed. Please see the heading “Access and correction to your personal and credit information”, below.
Sometimes your credit information will be used by credit reporting bodies for the purposes of ‘pre-screening’ credit offers on the request of other credit providers. You can contact the credit reporting body at any time to request that your credit information is not used in this way.
You may contact the credit reporting body to advise them that you believe that you may have been a victim of fraud. For a period of 21 days after the credit reporting body receives your notification the credit reporting body must not use or disclose that credit information. You can contact any of the following credit reporting bodies for more information:
- dnb.com.au, or
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 organization, 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 02 8040 1310 or by writing to us at firstname.lastname@example.org
If direct marketing is by email you may also use the unsubscribe function. If the direct marketing is by the text you may also use the unsubscribe function.
By using the unsubscribe function in a direct marketing communication you will only unsubscribe from direct marketing from that entity/brand who sent you the communication and method of delivery. Please let us know if you would like to unsubscribe from all direct marketing from Miles International and related entities. 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 and credit information
We will provide you with access to the personal and credit 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 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 or credit 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 or credit 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 the 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.
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 the personal information that we hold?
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 unauthorized access, modification, or disclosure.
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 by telephone on 0 2 8040 1310 or by email at email@example.com
We will acknowledge your complaint within seven days of the date we receive it. 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 via the Office of the Australian Information Commissioner website (www.oaic.gov.au) or at 1300 363 992.
You may request further information about the way we manage your personal information by contacting us.
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.
1: Definitions and Interpretation
“Content” means any text, graphics, images, audio, video, software, data compilations and any other form of information capable of being stored in a computer that appears on or forms part of this website.
“Cookie” means a small text file placed on your computer by us when you visit certain parts of this website. It often contains an anonymous unique identifier and is accessible only by the website that placed it there, not any other sites. This allows us to identify recurring visitors and analyze browsing habits within the website, which helps us provide you with a better and more customized service. Further details are contained in Clause 11 of this Policy.
“Credit information” means information that 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.
“Data” means collectively all information that you submit to the website. This includes, but is not limited to account details and information submitted using any of our Services or Systems, Personal Information, and Cookies.
“IP address” is the identifier for your computer when you are using the internet
“Personal Information” means 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.
“Sensitive Information” is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences, or practices, criminal record or health information.
“Service” means collectively any online facilities, tools, services, or information that we make available through the website either now or in the future.
“System” means any online communications infrastructure that we make available through the website either now or in the future. This includes, but is not limited to, web-based email, message boards, live chat facilities, and email links.
“Website” means the website that you are currently using and any other domains owned or operated by us unless expressly excluded by their own terms and conditions.
2: Data Collected
Without limitation, any of the following Data may be collected:
- First and surname.
- Date of birth.
- Job title.
- Contact information such as full residential and email addresses and telephone numbers.
- Demographic information such as postcode, preferences, and interests.
- Financial information such as tax file numbers, bank account details, and transactional data, credit/debit card numbers, income details.
- IP address (automatically collected).
- Web browser type and version (automatically collected).
- Operating system (automatically collected).
- A list of URLs starting with a referring site, your activity on this website, and the site you exit to (automatically collected).
- Cookie information (see clause 11 below).
- Other Personal Information you provided.
Although you have the option of not identifying yourself when entering into transactions with or providing Data to us, the collection of any or all of this Data is necessary in order to provide services to you, including processing your applications and preparing and lodging an Australian tax return.
Applications and survey information
If you decide to complete an online application form or survey, the information that you enter into the online form or survey will only be collected by us if you submit the online application or survey. If at any stage you cancel your application or log out prior to submitting your application or survey, the information you have entered up to that point may be automatically deleted.
We will not ask you to disclose Sensitive Information, but if you elect to provide Sensitive Information it will also be captured and stored.
How we handle email
We will preserve the content of any e-mail that you send us, if we believe that we have a legal requirement to do so. Your e-mail message content may be monitored by our employees for security issues including where e-mail abuse is suspected; our response to you may be monitored for quality assurance issues.
3: Our Use of Data
Any Data you submit will be retained by us for as long as you use the Services and Systems provided on the website. Data that you may submit through any communications System that we may provide may be retained. Subject to Clause 4, your Personal Information may be shared with carefully selected third parties who may email you from time to time with other offers that may be suitable to you. These third parties could include lenders, financial services providers, utility companies, and general goods and services, providers. By providing us with your email address, you give your consent to us using this information as described. If you prefer not to receive third party information or information from us, you may opt-out at any time by using the “unsubscribe” function available in the marketing emails and texts that are sent to you. Please note opt-outs are based on brand/entity and method of delivery unless you specifically inform us that you wish to opt-out of all marketing from Miles International and related entities. If you opt-out of our use of your Personal Information for marketing purposes, we will honor such a choice once we have had a reasonable opportunity to process your request.
All Data is stored securely in accordance with the principles of the Privacy Act 1988 and we will only request and store data about you which is relevant to the service we provide. Any or all of the above Data may be required by us from time to time in order to provide you with the best possible service and experience when using our website. Specifically, Data may be used by us for the following purposes:
- processing applications and communications with you;
- providing you with the services you have requested;
- managing your credit;
- providing information to Government Agencies such as the Australian Tax Office or Centrelink;
- internal record keeping;
- improvement of our products or services; or
transmission by email, post, telephone, fax, or SMS of offers that may be suitable to you from us and affiliated entities or other third parties such as lenders, financial services providers, utility companies, and general, goods and services providers.; contact for market research purposes by us, suppliers of services to us or third parties which may be done using email, SMS, telephone, fax, or mail.
Such information may be used to customize or update the website.
Data may be made available to affiliated entities, authorized agencies, and outsourced services providers outside of Australia including the Philippines. All care is taken to protect your data and we have put in place all reasonable safeguards. Recommended safeguards are also incorporated into agreements with suppliers of outsourced services outside of Australia.
4: Third-Party Websites and Services
5: Your Right to Withhold Information
You may access certain areas of the website without providing any Data at all. However, to use all Services and Systems available on the website you may be required to submit account information or other Data.
6: Accessing and Amending your Own Data
You may contact us to access the Personal Information we hold about you at any time to view or amend the Data. You may need to modify or update your Data if your circumstances change. Additional Data as to your marketing preferences may also be stored and you may change this at any time. We may proactive and reasonable steps to ensure you are made aware of the contents of your Data in addition to giving you the ability to amend.
Data security is of great importance to us.
To protect your Data, we have put in place suitable physical, electronic, and managerial procedures to safeguard and secure Data collected online. We will take reasonable steps to protect your Data from misuse and loss and from unauthorized access, modification, or disclosure. If your browser is suitably configured, it will advise you whether the Data you are sending us will be secure (encrypted) or not secure (unencrypted).
We will also take reasonable steps to destroy or permanently de-identify your Data if it is no longer needed for any purpose for which the information may be used or disclosed.
We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure. Once we receive your transmission, we take reasonable steps to preserve the security of the information in our own systems.
We may set and access cookies on your computer.
You may delete Cookies, however, you may lose any information that enables you to access the website more quickly.
You can choose to enable or disable Cookies in your web browser. By default, your browser will accept Cookies, however, this can be altered. For further details please consult the help menu in your browser. Disabling Cookies may prevent you from using the full range of Services available on the website.
- To allocate a unique number to your internet browsers.
- To customize our website for you.
- For statistical purposes.
- To identify if you have accessed a third party website.
- For security purposes.
Complaints Process Complaint Resolution
Your Business App offers a thorough complaints process
When Does a Complaint Arise?
A complaint arises when you are dissatisfied with Visanet Global services,
or the complaint handling process itself where a response or resolution is not satisfactory.
Our Contact Details Below
The Dispute Resolution Officer
CONTACT US FOR FURTHER DETAILS
Address: 10 Messiter Street, Campsie, NSW 2194 Australia
We will notify you and provide reasons for the outcome.