At Nationwide Lending, we believe an individual's right to keep their personal information private is important. We are committed to protecting and maintaining the privacy, accuracy and security of your personal information.

We are also bound by the National Privacy Principles in the Commonwealth Privacy Act 1988, as well as other applicable laws and codes affecting your personal information. Our staff and contractors are trained to respect your privacy in accordance with our standards, policies and procedures.

This Privacy Policy outlines how we manage your personal information. It also describes generally the sorts of personal information that we collect and for what purposes, how that information is collected, held, used and disclosed.

Personal Information is any information about you that identifies you or by which your identity can be reasonably determined.

We will only collect information relevant to our business relationship with you. The information we collect will include contact details, personal details, financial information and information about your use of our products and services.

We will collect this information directly from you, or, if we use other sources, we will tell you what they are. In certain cases we collect your personal information from third parties. For example, we may need to collect personal information from a credit reporting agency, your representative (such as your legal adviser), your financial adviser, your employer, or publicly available sources of information.

• Considering any application made by you to use.
• Helping us to develop and identify products and services that may interest you.
• Telling you about products and services (unless you have asked us not to).
• Maintaining our relationship with you.
• Conducting market or client satisfaction research.
• Performing our internal administration and operations including accounting, risk management, record keeping, archiving, and systems development and testing.
• Credit scoring and staff training.
• Complying with legislative and regulatory requirements.
• Preventing and investigating crime or fraud to protect your interest and Nationwide Lending's interest.
• Fulfilling our legal requirements (e.g. disclosure to law enforcement agencies or the courts)

We may use your information to offer you products and services that we believe may meet your needs. However, you can notify us at any time if you do not wish to receive these offers. We will act promptly on any such request which can be made by emailing us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it , calling us on 1300 79 39 29, or writing to: The Privacy Manager, Nationwide Lending Pty Ltd, PO Box 21 Rundle Mall SA 5000.

We only disclose your personal information to third parties with your express or implied consent, or where we are otherwise entitled or required to do so. The types of third parties we may disclose your personal information to include:

• Credit reporting agencies, to assess your credit application.
• Debt collecting agencies, to initiate debt collection services.
• Other organisations with which we have arrangements or business alliances for the purpose of promoting our respective products and services (and any agents used by us and our business partners in administering such an arrangement or alliance).
• Our agents, contractors and external advisers who we engage to carry out our functions and activities from time to time or who assist us to carry out our functions and activities.
• Your agents, including your finance broker, stockbroker and legal or financial advisers.
• Your executor, administrator, trustee, guardian or attorney.
• Your referees (including your employer), e.g. to validate information you have provided in a credit application.
• Regulatory bodies, government agencies, law enforcement bodies, courts, and other parties we are authorised or required by law to disclose information to.
• Any person who introduces you to us, e.g. mortgage broker, to finalise your application.
• Other financial institutions, e.g. to clear cheques.
• Any mortgage insurer used by Nationwide Lending or related lenders and any reinsurer of any such mortgage insurer, e.g. where mortgage insurance is required by us.
• Guarantors and prospective guarantors.

We will use up-to-date techniques and processes, which meet current industry standards to ensure that your personal information is kept secure and confidential. Only employees of Nationwide Lending and those who perform services on our behalf, and are authorised to handle your information, will have access to your personal information.

We will not retain any information for any longer than it is required by us, except to fulfil our legal obligations. We may retain some information for shorter or longer periods depending upon any specific legal requirements and the needs of our business.

We will, with your help, keep your personal information accurate, complete, and up-to-date.

You can access most of the personal information we hold about you and request corrections. This right is subject to some exceptions. For example, you may not obtain access to information relating to existing or anticipated legal proceedings.

You can request access to your information by contacting us on 1300 79 39 29 or writing to:

The Privacy Manager
Nationwide Lending Pty Ltd
PO Box 21 Rundle Mall
SA 5000

This service is free unless the information you request requires significant research or preparation time. Before we act upon requests of this nature, we will tell you how much this service will cost.

Nationwide Lending is committed to protection of your privacy, and our policies, processes and systems have been developed with this intent. However sometimes human errors do occur. If you think we have not lived up to our commitment, we invite you to phone us on 1300 79 39 29 or write to:

The Privacy Manager
Nationwide Lending Pty Ltd
PO Box 21 Rundle Mall
SA 5000

Our objective is to respond to any complaint within our service standard of five working days. Where we have done the wrong thing, we will personally apologise and take all reasonable action to ensure that it does not happen again.

If you are not satisfied with the result of your queries, you can refer the matter to the Federal Privacy Commissioner.

You can contact the Federal Privacy Commissioner by phoning 1300 363 992 or by writing to:

Director of Complaints
Office of the Federal Privacy Commissioner
GPO Box 5218
Sydney NSW 1042

Regards,
Glen Jones
Privacy Manager