PRIVACY POLICY

Introduction
Sierra Finance (“we,” “us,” “our”) respects your privacy and is committed to protecting your personal data. This privacy policy will inform you about how we handle your personal information, your privacy rights, and how the law protects you. This policy complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By using our services or visiting our website, you agree to the terms outlined in this privacy policy. If you have any questions or concerns, please contact us at [email protected].

1. What Personal Data We Collect
Sierra Finance may collect various types of personal data, including but not limited to:
- Identification information: Full name, date of birth, driver's license, passport details, or other identification documentation.
- Contact details: Email address, phone number, and residential address.
- Financial information: Bank account details, credit history, employment details, income, and other data required for financial assessments.
- Transactional data: Information related to transactions conducted through our services.
- Technical data: IP address, browser type and version, time zone setting, browser plug-in types, and platform information.
- Marketing and communications data: Your preferences for receiving marketing communications from us.

2. How We Collect Your Data
We collect your personal data through various methods:
- Direct interactions: When you apply for our services, fill out forms, or contact us via email, phone, or online.
- Automated technologies: As you interact with our website, we may collect data using cookies, server logs, and other technologies.
- Third parties or publicly available sources: We may receive personal data from third parties such as credit reporting bodies, your employer, or public databases.

3. How We Use Your Personal Data
We will only use your personal data when legally permitted. Common uses include:
- To provide and manage financial services: Processing applications, managing accounts, and providing financial advice.
- To comply with legal and regulatory obligations: Verifying your identity as required by law.
- To improve our services: Analyzing how customers use our services to enhance our offerings.
- To communicate with you: Providing information about new products, updates, or services that may be of interest.
- Marketing purposes: Sending marketing material only with your explicit consent or where it is allowed by law.

4. Disclosure of Personal Data
We may share your personal data with:
- Service providers: Third-party companies that assist in delivering our services (e.g., IT support, payment processors).
- Government agencies and regulators: When required by law for reporting, tax compliance, or regulatory obligations.
- Credit reporting bodies: To assess your creditworthiness.
- Professional advisers: Including lawyers, auditors, and insurers.

5. Data Security
We take the security of your personal data seriously and use appropriate measures to prevent unauthorized access, disclosure, alteration, or destruction of your information. Measures include:
- Encryption of data during transmission.
- Access controls limiting who can access your personal data.
- Regular security audits to ensure data protection standards are maintained.

6. International Data Transfers
Your personal data may be transferred and stored outside Australia. Where this occurs, we ensure equivalent protection by complying with the Australian Privacy Principles and using contractual agreements that safeguard your data.

7. Data Retention
We will retain your personal data only for as long as necessary to fulfill the purposes we collected it for, including satisfying legal, accounting, or reporting requirements.

8. Your Rights
Under the Australian Privacy Act, you have rights regarding your personal data:
- Access: You can request access to your data.
- Correction: Request correction if your personal data is inaccurate or outdated.
- Withdraw consent: Where we have obtained your consent to process your personal data, you may withdraw it at any time.
- Complaint: You may lodge a complaint with us if you believe your data privacy rights have been infringed. We will address your concerns promptly and professionally.

9. Marketing Communications
You have the right to opt out of receiving marketing communications at any time by contacting us at [email protected] or following the opt-out links provided in any marketing message sent to you.

10. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to monitor activity on our website and store certain information. Cookies help us understand user preferences and improve user experience. You can manage cookies through your browser settings.

11. Updates to This Privacy Policy
Sierra Finance reserves the right to update this privacy policy as necessary. Any significant changes will be communicated to you via email or through a prominent notice on our website.

12. Contact Information
If you have any questions or concerns about this privacy policy or wish to exercise any of your rights, please contact us at:

Sierra Finance
Email: [email protected]

This policy was last updated on 01/11/2024.