Legal
Privacy Policy
Black Mountain Financial ABN 95 688 300 512 needs to collect personal information about you to provide you with our broking & related services. This statement explains how we collect, use, share and protect that information.
In this document, 'Black Mountain Financial', 'we', 'us', and 'our' are references to Black Mountain Financial ABN 95 688 300 512.
Privacy Statement
Our privacy statement
Black Mountain Financial ABN 95 688 300 512 ('Black Mountain Financial') needs to collect personal information about you to provide you with our broking & related services. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection.
Collection
Collection of your information
We will collect your information from you directly whenever we can, like from enquiries we make of you when you seek credit assistance from us. We may verify that information from sources referred to in the responses to those enquiries or in this privacy statement.
Website Analytics
How we use website analytics
We use website analytics tools, including Google Analytics, Google Tag Manager and Mixpanel, to understand how this website is used and to improve it. These tools use cookies and similar technologies and may record information such as the pages you visit, how you reached the site, your device and browser, and your IP address. Session activity is recorded with form fields and other inputs masked. If you submit an enquiry or use a calculator and provide your details, that information — such as your name, email and phone number — may be recorded against your activity so we can respond to you and improve our service. Mixpanel processes this information on infrastructure located in the European Union.
We also use Leadfeeder (Dealfront) to identify the organisation a visit may be associated with, using the visitor's public IP address. This identifies organisations, never individuals, and helps us understand which businesses engage with our services. Google, Mixpanel and Dealfront are third-party providers that process this information on our behalf and may be located overseas — see ‘Sharing outside of Australia’ below. You can control or disable cookies through your browser settings, though some parts of the site may not work as intended if you do.
Other Sources
How information is collected from other sources
Sometimes we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it's reasonably necessary to do so, for example, where:
- —We collect information from third parties about a loan or lease in relation to which you seek our services;
- —We can't get hold of you and we rely on public information (for example, from public registers or social media) or made available by third parties to update your contact details; or
- —We exchange information with your legal or financial advisers or other representatives.
When the law authorises or requires collection of information
Some law may require us to collect personal information about you. For example, we may require your information to verify your identity under Australian Anti-Money Laundering law.
Use of Information
How your information may be used
We may use and disclose your personal information to our associated entities, our brokers, our panel of lenders, other service providers and agents that we use in the ordinary course of our business, such as:
- —Giving you credit assistance;
- —Giving you information about loan products or related services including help, guidance and advice;
- —Considering whether you are eligible for a loan or lease or any related service you requested;
- —Assisting you to prepare an application for a lease or a loan;
- —Administering services we provide;
- —Administering payments we receive or make;
- —Telling you about other products or services we make available;
- —Identifying opportunities to improve our service to you;
- —Telling you about other suppliers with whom we have arrangements;
- —Allowing us to run our business efficiently;
- —Preventing or investigating any fraud or crime;
- —As required by law, regulation or codes binding us;
You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable.
Non-Disclosure
What happens if you don't provide information?
If you don't provide your information to us, it may not be possible to:
- —assist in finding a loan or lease relevant to your circumstances;
- —verify your identity or protect against fraud; or
- —let you know about products or services that might be suitable for your financial needs.
Sharing
Sharing your information
General
We may use and share your information with other organisations for any purpose described above.
Sharing with your representatives and referees
We may share your information with:
- —your representative or any person acting on your behalf (for example, lawyers, settlement agents, accountants or real estate agents); and
- —your referees, like your employer, to confirm details about you.
Sharing with third parties
We may share your information with third parties in relation to services we provide to you or goods or services in which we reasonably consider you may be interested. Those third parties may include:
- —Broker Groups through whom we submit applications
- —Referrers that referred your business to us
- —Financial services suppliers
- —Valuers
- —Lenders, lessors, and intermediaries
- —Fraud reporting agencies
- —Government or regulatory bodies
- —Guarantors and prospective guarantors
- —Service providers and contractors
- —Any organisation with your consent
You can access the Broker Groups' privacy notices at https://www.connective.com.au/privacy-policy/
Sharing outside of Australia
We may use overseas organisations to help conduct our business. As a result, we may need to share your information (including credit information) with such organisations outside Australia. The countries in which those organisations are located are:
- —Australia
We may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it's not always practicable to know in which country your information may be held. Overseas organisations may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure.
In providing your personal information you consent to us collecting, storing and using your personal information in the manner set out in this document and you consent to us disclosing your personal information to our associated entities and each of their officers, contractors, employees and agents who may collect, store and use your personal information in the manner set out in this document.
Third Parties
Information about other people
If you give information to us about another person (like your co-applicant) in relation to the services we provide, you will let that other person know that:
- —we have collected their information to provide those services or for any other purpose set out in this privacy notice;
- —we may exchange this information with other organisations set out in this privacy notice;
- —we handle their personal information in the way set out in our Privacy Policy and they can access or request information by using our contact details; and
- —we may not be able to provide those services to you unless we obtain their information.
Access & Corrections
Access and alterations to your personal information
You can gain access to your personal or company information or advise alterations to that information by contacting our office:
Contact Person
George Popadalis
Phone
02 6188 9849
Address
Level 1, 33 Allara Street, Canberra ACT 2601
privacy@blackmountainfinancial.com.au
Information which is easily accessible will be provided to you free of charge. However, information which is more difficult to access may have a fee associated with the request.
Marketing
Marketing
From time to time, Black Mountain Financial may contact you with information about products from either ourselves or our industry affiliates that we believe may interest you. To opt-out of receiving such information, simply let us know by contacting us directly using the office details above.
Security
Security
Black Mountain Financial takes reasonable steps to ensure the security of your personal or company information from unauthorised access, theft or modification.
Updating
Updating your information
Black Mountain Financial takes reasonable steps to ensure that the personal information we hold about you is accurate, complete and up to date. If you believe that the information we hold is not up to date or is inaccurate, please contact us so we can update our records.
Feedback & Complaints
Feedback on the handling of your personal information
Should you be unsatisfied in the manner in which Black Mountain Financial has handled your personal information please contact us (per details listed above). We will take all necessary steps to investigate and address your concerns.
If the issue you have raised is not resolved to your satisfaction you should contact the Office of the Australian Information Commissioner at:
Phone
1300 363 992
Website
www.oaic.gov.au
enquiries@oaic.gov.au
Authority
Office of the Australian Information Commissioner
Further reading
How we work
Credit Guide →
Who we are, what we do, how we are paid, and our responsible lending obligations.
About Black Mountain Financial →
A small team, working with a small number of clients. Based in Canberra, connected nationally.
Business Finance →
Acquisition funding, working capital, equipment and trade finance for operators.
Commercial Property →
Purchase, refinance and equity release, structured first.
Questions about your privacy?
Talk to us directly. We will explain what we hold, how we use it, and how to update it.
