Privacy Policy

At Glenclair Financial, we are committed to protecting your privacy and handling your personal and credit information responsibly. This Privacy Policy explains how we collect, use, disclose, store, and protect your information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

We value the trust you place in us when you engage our independent commercial finance broking services. Our approach is guided by transparency, security, and your best interests.

1. Information We Collect

We collect personal and credit information necessary to provide tailored finance advice, run banking tenders, and assist with your lending needs. This may include:

• Contact and Identification Details — Name, address, phone, email, date of birth, and government identifiers.
• Financial Information — Income, assets, liabilities, credit history, and banking details.
• Business Information — Details about your company, operations, and funding goals.
• Sensitive Information (where relevant) — Health or vulnerability details you voluntarily share that may impact your credit needs.
• Other — Information from your interactions with us, website visits (e.g., via cookies), or third parties like credit reporting bodies.

We only collect what is reasonably necessary. If you do not provide certain information, we may not be able to fully assist you with your finance requirements.

2. How We Use Your Information

We use your information to:

• Assess your finance needs and run full-market banking tenders on your behalf.
• Provide independent advice, prepare applications, and manage transactions.
• Communicate with you about your matter (including updates and requested information).
• Send service-related updates, market insights, or product information (you can opt out at any time).
• Improve our services, conduct client surveys, and manage our business relationship.
• Comply with legal, regulatory, and ethical obligations (e.g., anti-money laundering, credit reporting laws).

We do not use your information for unrelated purposes without your consent.

3. Disclosure of Your Information

We do not sell, trade, or rent your personal information.

We may disclose information to:

• Lenders, banks, and their representatives (only those you choose to engage with).
• Our credit licensee (for compliance and supervision).
• Service providers and contractors (e.g., CRM systems like Mercury, mail houses, IT/security providers) who are bound by confidentiality.
• Professional advisers (e.g., accountants, lawyers) with your authorisation.
• Regulatory bodies or as required/permitted by law.

Overseas Disclosures — Some recipients may be located overseas, including in the Philippines, India, and Nepal (primarily for administrative or IT support). We take reasonable steps to ensure these recipients handle your information in accordance with Australian privacy standards.

4. Security & Data Retention

We protect your information with robust safeguards, including:

• Secure servers and encrypted systems.
• Access controls limited to authorised personnel.
• Regular security updates and tools (such as Trend Micro Maximum Security).
• Staff training on privacy obligations.

We retain your information only for as long as it is needed for the purposes outlined, to meet legal requirements (e.g., record-keeping under credit laws), or to resolve any issues. Once no longer required, we securely delete or de-identify it.

In the unlikely event of a data breach, we will act promptly in accordance with the Notifiable Data Breaches scheme.

5. Your Rights & Choices

Access & Correction — You can request access to or correction of the personal/credit information we hold about you. Contact us at info@glenclair.com.au. We will respond within a reasonable time (usually 30 days) and do not charge for standard requests.

Opting Out

• Marketing communications — Reply "unsubscribe" or email us.
• Electronic communications — Let us know your preference.

Complaints — If you have a privacy concern or complaint, please contact us first so we can resolve it quickly:

The Privacy Officer
Email: info@glenclair.com.au

We will acknowledge your complaint promptly, investigate fairly, and aim to resolve it within 30 days. If you remain unsatisfied, you may complain to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

6. Your Consent

By engaging our services or providing your information, you consent to the collection, use, and disclosure as described. You can withdraw consent at any time (subject to legal obligations), though this may limit our ability to assist you.

7. Changes to This Policy

We may update this policy from time to time. The current version is available on our website (www.glenclair.com.au). We will notify you of material changes where required.

Contact Us

For any privacy questions:

Alasdair King, Managing Director
Glenclair Financial
Email: info@glenclair.com.au
Phone: 0435 440 495
Address: 1F, 235 Macquarie Street, Sydney, NSW 2000