Collection

We collect information about you to provide you with the products or services you have selected and to keep you informed of other products or services offered by us which may be of interest to you. Types of information we collect and handle includes:

identity and contact details of you and your referees,

your employment and occupation details,

your date of birth, marital status and number of dependants,

information about your financial circumstances and credit history,

details about your assets and liabilities,

product or service preferences you may have.

If you do not provide us with this information, we may not be able to provide you with the products or services you are seeking.

In some circumstances, in order to provide the products and services you have selected, we may need to obtain information about you from others.

We will collect only that information which is necessary for the purposes of your dealings with us, we do not collect ‘sensitive’ information such as:

racial or ethnic origins

political opinions or memberships

professional or trade union memberships

religious beliefs

philosophical beliefs

sexual preferences

criminal records

health information

Web Site

We only collect your personal information from our web site if you send us an email from one of the links in our site.

The information collected is limited to your email address and the contents of any message you may send to us. Personal information collected from our web site will only be used for the purpose for which you have provided it and it will not be added to a mailing list or used for any other purpose without your consent.

Use & Disclosure

Our use and disclosure of personal information about you is dictated by the product or service you take up. Your personal information may be shared with OkeyFinance's related companies. We will not use or disclose your information for a purpose unrelated to the products or services we provide to you or for any other purpose outside your reasonable expectations unless:

we are required or authorised to do so by law; or

you have consented to us disclosing the information which we hold about you.

Generally, we use or disclose your personal information for such purposes as:

servicing our relationship with you;

internal accounting and administration;

regulatory reporting and compliance;

assisting us to identify and inform you about other products or services which we offer that may be of interest to you.

To provide our products and services to you in the most cost effective and efficient way, we may need to utilise the services of third parties for example:

data processing/storage providers,

direct mailing companies,

credit reference bureau

security registration bodies

record microfilming and archiving services,

collection agencies,

In addition, you may have been introduced to us by a third party in which case that third party introducer will also have access to your information.

Any third party that we use to assist us in providing products and services to you will be restricted from using your personal information other than for the specific purpose for which we supply it. In addition, all third parties will be required to respect your right of privacy through formal agreements with us.

As we take our obligation to protect your personal information very seriously we make every effort to deal with third parties who share and demonstrate this same attitude.

Quality, Access & Correction

Personal Information which we hold about you is integral to decisions we make about our products and services which we provide to you. It is essential that information is correct. We make every effort to ensure that your personal information is accurate and up-to-date whenever we collect or use it. To assist us with this you should let us know if you find that current personal information we hold about you is inaccurate, incomplete or out-of-date. We will use all reasonable efforts to correct the information.

You are also welcome to get access to information we hold about you and to draw any inaccuracies to our attention.

We should point out that you will not be able to access all information we hold about you. There are a number of exemptions including but not limited to situations:

where the access impacts on the privacy of others,

in the case of frivolous or vexatious requests,

where there are existing or anticipated legal proceedings and the information is ‘privileged’,

in some situations the access can be denied under law or by a law enforcement agency,

where the information is deemed to be evaluative,

A fee may apply to cover our reasonable costs associated with your request. If we deny your request for access, we will let you know why.

Security

We will safeguard personal information we handle about you. This includes taking all reasonable measures to protect your personal information from misuse and loss and from unauthorised access, modification and disclosure, both internally and externally.

We may store your personal information in hardcopy documents or electronically on our computer systems.

Changes To Our Privacy Policy

From time to time we may make changes to our Corporate Privacy Policy. We will publish those changes on this web site.