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You have advised us that significant changes to your circumstances may occur that could adversely affect your ability to meet your contracted repayments and you have plans in place to ensure that you will be able to continue to make repayments if these circumstances occur. END Area Detail area 17 START Area Detail area 18 ID Detail area 18 770003bd-0060-477f-95f1-1adaa49c8b41 ID Detail header 18 0caa97d6-6e92-44d9-a02d-db91c019cd90 ID PrivacySt 890dbda5-0336-4bac-9f01-bead69b3e2f4 Privacy Statement repetition of Detail area 18 ID memo2 c08a7fb5-e2ed-451d-8d60-b4a46f3511ed We would like to inform you that: Purpose of collection Personal information is infomation about an identifiable individual and includes facts or an opinion about you which identifies you or by which your identity can be reasonably determined. The collection of your personal information is essential to enable us to conduct our business of offering and you with our range of financial products and services. We collect personal information for the purposes of: identifying and protecting you when you do business with us establishing your requirements and providing the appropriate product or service setting up, administering and managing our products and services assessing and investigating and if accepted, managing a claim made by you under one or more of our product and training and developing our staff and representatives.We may be required by law to collect your personal information. These include, but are not limited to, anti-money laundering and taxation laws. Consequences if personal information is not provided If we request personal information about you and you do not provide it, we may not be able to provide you with the financial product or service that you request, or provide you with the full range of services we offer. Disclosure We use and disclose your personal information for the purposes we collected it.We may also use and disclose your personal information for a secondary purpose that is related to the purpose for which we collected it. This would happen in cases where you would reasonably expect us to use or disclose your personal information for that secondary purpose. In the case of sensitive information, any secondary purpose, use or disclosure will be directly related to the purpose collection. When necessary and in connection with purposes of collection, we may disclose your personal information to and/or collect your personal information from: Disclosure overseas Access You can request access to the personal information we hold about you by contacting us. In some circumstances, we are able to deny your request for access to personal information. If we deny your request for access, we will tell you why. If accessing your personal information will take an extended period of time, we will inform you of the likely delay. For more detailed requests for access to personal information, for example, access to information held in archives, a fee may be charged to cover the associated cost of retrieval and supplying this information. Marketing Contact Please contact us to: Authority to obtain credit information credit standing, credit history, credit capacity for the purpose of assessing an application for credit, notifying any default by me/us. Confirm my employment details from my employer, accountant or tax agent named in this application. Confirm my income received on an investment property from any nominated real estate agent. 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