Privacy statement

What this statement is about

Your right to privacy is important to us. This statement explains your privacy rights and our rights and obligations in relation to your personal information. The Privacy Act 1988 regulates the way Virgin Money (Australia) Pty Limited ABN 75 103 478 897 and the credit provider, Bank of Queensland Limited ABN 32 009 656 740 (BOQ Group) AFSL and Australian Credit Licence No 244616 (together “we”, “us” or “our”) use personal information provided about you so please read the following carefully. You need not give us any of the personal information requested in the Mortgage Broker Accreditation Application form or any other document or communication relating to the application. However, without this information, we may not be able to appoint you as a Mortgage Broker.
You may seek access at any time to personal information held by us about you and ask us to correct it if you believe it is incorrect or out of date.

How we may use your personal information

We use your personal information to:

  • Assess whether to accept your Mortgage Broker Accreditation Application form,
  • Administer and manage our relationship with you,
  • Facilitate our internal business operations, including fulfilment of any legal requirements and confidential systems maintenance and testing, and
  • Inform you in your business capacity of products and services provided by us or any member of the BOQ group which we consider may be of value or interest to your clients.

Our right to disclose your personal information

We may disclose your personal information if it is necessary to do so in the following circumstances:

  • To any regulatory body,
  • To any credit reporting agency to obtain a commercial and/ or consumer credit report, trade reference or other commercial and/or consumer information about you to accept your Mortgage Broker Accreditation Application form,
  • To our external service providers that provide services for the purposes only of our business, on a confidential basis, for example advisers and mailing houses,
  • To any persons acting on your behalf, including your solicitor or accountant,
  • To any party acquiring an interest in any business, and
  • If you request us to do so or if you consent or where the law requires or permits us to do so,
  • To your aggregator.

Some of the parties with which we exchange your personal information, including our service providers and other third parties listed above, may be located outside Australia in countries including New Zealand, the Philippines, India, the United States of America and Singapore.

Access and correction of personal information

You have the right to access or seek correction of the personal information we hold about you. Any requests should be addressed through your aggregator to our normal accreditations contacts or via our Privacy Officer. A charge may apply for requesting access to your personal information.

If you have any questions or complaints about the way we manage your personal information, please email us at privacy@virginmoney.com.au

In certain circumstances, we may refuse or limit your access to your personal information. Some of these circumstances include:

  • where giving you access would compromise some other person’s privacy;
  • where giving you access would disclose commercially-sensitive information of ours or any of our agents or contractors;
  • where we are prevented by law from giving you access; or
  • where the personal information you request relates to existing or anticipated legal proceedings.

If that happens, we’ll write to you and let you know why and how you can make a complaint if you have concerns