Privacy Policy

1.1 Solicited Information

Suffice Finance may collect a variety of personal information from you, including:

• Name
• Address
• Date of birth
• Gender
• Marital status
• Occupation
• Bank account details
• Contact details (phone, email, fax)
• Financial information (transactions, trading history)
• Any other information necessary for our functions and activities

We only collect this information if it is reasonably necessary for one or more of our functions, such as:

• Assessing your eligibility for a loan
• Disclosing your credit information to related companies considering your credit application
• Providing you with our financial products and services
• Managing and administering your accounts
• Collecting loan repayments
• Preventing fraud and other harmful activities
• Responding to complaints
• Complying with legal and regulatory requirements

1.2 Sensitive Information

We will only collect sensitive information, such as health information or racial origin, with your consent and if it’s necessary for our functions or activities, required by law, or permitted under a permitted general situation.

1.3 Credit Information

When you apply for credit, we will require you to provide credit information. Please refer to our Credit Reporting Policy for more details.

1.4 Means of Collection

We collect personal information through lawful and fair means, such as:

• Application forms
• Phone calls
• Emails
• Website forms

2. Use and Disclosure of Information

2.1 Use

We may use your personal information for the purposes listed above, and also to:

• Inform you about products and services that may better serve your needs
• Respond to your inquiries

2.2 Disclosure

We may disclose your personal information to:

• Organizations involved in providing, managing, or administering our products and services (e.g., printers, mailing services, advisors)
• Organizations maintaining, reviewing, and developing our business systems (e.g., for testing or upgrading)
• Organizations involved in a corporate reorganization
• Payment system organizations (financial institutions, merchants)
• Organizations involved in product planning and development
• Other organizations jointly offering products or services with us
• Authorized representatives providing our services on our behalf
• Your legal representatives
• Debt collectors
• Financial advisors, legal advisors, or auditors
• Fraud bureaus or other organizations to identify, investigate, or prevent fraud or misconduct
• External dispute resolution schemes
• Regulatory bodies, government agencies, and law enforcement bodies

2.3 Direct Marketing

We generally do not use or disclose your personal information for direct marketing purposes. However, there are exceptions:

• We may use your information for our own direct marketing if you would reasonably expect it and you can easily opt out.
• We may use your information for another organization’s direct marketing with your consent or if you can easily opt out.

You can always request to opt out of receiving marketing communications from us.

3. Cross-Border Disclosure

We currently do not disclose personal information to recipients outside of Australia. However, if we do in the future, we will ensure they comply with Australian Privacy Principles.

4. Adoption, Use or Disclosure of Government Identifiers

We will only adopt or use government identifiers as permitted by law.

5. Information Integrity

We strive to ensure the accuracy, completeness, and relevance of your personal information.

6. Security of Information

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorized access, modification, and disclosure. We implement various security measures to achieve this.

7. Access to Personal Information

You have the right to access your personal information that we hold. You can request access by contacting us. We will respond to your request within a reasonable timeframe and may charge a small fee for access.

8. Correction of Information

If you believe your personal information is inaccurate, outdated, incomplete, or irrelevant, you can request a correction. We will take reasonable steps to correct the information.

9. Making a Privacy Complaint

If you have a complaint about our privacy practices, you can contact us using the following details:

• Email: info@suffice.com.au
• Phone: 02 4391 0000
• Post: 17 Elizabeth St, Wyoming NSW 2250

We will investigate your complaint and respond to you within 30 days.

10. Changes to this Privacy Policy

We may change this Privacy Policy at any time. We will post any changes on our website.