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Our commitment to protecting your privacy
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Defence Force Credit Union Limited (ABN 57 087 651 385) Defcredit has a firm commitment to protecting your privacy. Defcredit is bound by the provisions of the Privacy Act 1988, as amended by the Privacy Amendment (Private Sector) Act 2000. Defcredit has also adopted the National Privacy Principles and the Credit Union Code of Practice.
This statement discloses our information gathering and dissemination practices for this web site.
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> Collection of your personal information
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> Use of your personal information
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> Disclosure of your personal information
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> Quality of your personal information
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> Security of your personal information
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> Access to your personal information
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> Acceptance and changes to Privacy Statement
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> Contact us about privacy
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> More on privacy
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Collection of your personal information
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The type of information that we collect from you will depend on which of the products and services you choose on our web site. Some products and services offered on this web site may contain specific terms and conditions including additional privacy provisions that supersede this general statement. As these additional privacy provisions relate to the protection of your privacy, you should review them wherever they are accessible on the web site.
When applying for a Defcredit product or on-line service we may request personal information such as your contact details, including name, address, phone, fax and e-mail, and bank account details, tax file number, annual income, other financial details, place of work, credit history and products and services information preferences. This information is required in order for Defcredit to provide you with the product or service applied for.
Defcredit generally collects personal information directly from you, but there may be occasions where Defcredit needs to source personal information about you from a third party such as credit reporting agencies and mortgage insurers.
The Defcredit web site offers a number of interactive facilities including tools such as savings and loan calculators, as well as on-line application forms. If you use any of these tools the information that you enter will only be collected by us if you submit the information as part of an application.
For statistical and web site development analysis only, Defcredit 's Web page Manager collects information which is recorded by your browser, such as the type of browser you are using, your top level domain name, the data and time of your visits, the pages accessed and documents downloaded, and previous sites visited. While this information of itself does not allow us to identify you, it allows Defcredit to provide you with a more customised service and assists us to enhance the functionality of our web site.
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Use of your personal information
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Defcredit uses personal information collected about you to provide you with the products and services requested. In addition, Defcredit may use this information for other related purposes such as:
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- regulatory and credit reporting
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- to help Defcredit prevent your account(s) from being misused
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- to tell you about other products and services which may be of interest to you
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Disclosure of your personal information
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Defcredit, like most other financial institutions, regularly uses third party service providers to assist in the provision of products and services to you. For example, Defcredit uses computer bureaus, Web page managers, mailing houses, and industry special service providers. These service providers only act as our agents and on Defcredit 's behalf and Defcredit ensures that any third party service provider is bound by non-disclosure and confidentiality undertakings and agreements to protect the privacy of your personal information.
Apart from the above, Defcredit will not disclose personal information about you unless the disclosure is:
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- required by law (eg. disclosure of your tax file number to the Australian Taxation Office)
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- authorised by law (eg. to protect the rights, property or personal safety of another web user or a member of the public)
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How Defcredit handles email
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Defcredit only records your email address if you provide it to Defcredit or you send us an email message. Your email address will only be used for the purpose for which you have provided it, and as a way for Defcredit to contact you. Defcredit only preserves the content of an email you send if Defcredit believes that there is a legal or business requirement to do so. Emails sent to or from Defcredit are routinely monitored for quality control, systems administration and legal compliance purposes.
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Quality of your personal information
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Defcredit relies upon the accuracy of your personal information to provide you with the best possible service. To assist Defcredit, please contact us if any of the details you have provided change. Further,
if you believe that the information Defcredit has about you is not accurate, complete or up to date, please contact us and we will endeavour to immediately correct the information.
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Security of your personal information
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Defcredit regards the security of members' personal information as fundamental.
Defcredit takes all reasonable precautions to protect the security of your personal information from misuse and loss or alteration.
Only Defcredit persons are entitled to have access to your personal information and then only for approved purposes. Defcredit staff are required to sign a confidentiality agreement as a condition of their employment.
Defcredit uses the highest levels of technology to ensure maximum security, including the use of secure password and user logons and the encryption of all member data sent between your computer and Defcredit.
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Access to your personal information
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You may request that Defcredit provide you with access to personal information Defcredit holds about you. Defcredit normally will comply with your request, but if your request for access is not granted we will explain why.
A fee may apply to recoup Defcredit 's reasonable costs for making such information available to you.
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Acceptance and changes to Privacy Statement
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Defcredit treats your use of this website as your acceptance of the Defcredit Privacy Statement and the terms and conditions of access.
Defcredit may amend this privacy statement at any time. Any changes to Defcredit's privacy statement will be posted on this website.
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Contact us about privacy
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Defcredit always strives to maintain and respect your privacy and the confidentiality of your personal information. If you have any questions or concerns about the privacy of your personal information, please contact us on:
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Defence Force Credit Union Privacy Policy
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|  | The Privacy Manager
Defence Force Credit Union Limited
Level 2, 99 King Street
MELBOURNE VIC 3000
Tel 1800 033 139 Fax 03 8624 5896
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More on privacy
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You can obtain further information about Defcredit's commitment to the protection of your privacy and confidentiality by requesting a copy of Defcredit's Privacy Policy, Collection Statement and General Privacy Statement.
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