What personal information is collected?
Exelero Capital only collects personal information that is reasonably necessary for us to perform our functions. The kind of personal information we collect and hold will depend upon the type of products and services that you request from us and may include:
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information you give us when you request a product or service from us. This information may include your name, address, contact details and relevant identification documents;
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your Tax File Number, ABN (if applicable), bank account details or other financial institution details;
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financial position and information obtained from credit checks if you have authorised us to carry out those checks;
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communications between us and your financial adviser or mortgage broker;
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transactional information about the use of a product if you have or had a product with us; and
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in a limited number of circumstances such as in some superannuation products, your personal health information.
We want to inform our Service users that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.
How personal information is collected?
Exelero Capital collects your personal information in a number of ways including:
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directly from you, such as when you provide the information by phone, email or in an application form; and
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from third parties such as credit reporting agencies, other credit providers, if you authorise us to do so.
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Collection of yourPersonal Information may include us collecting from:
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Our authorised representatives;
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Our distributors or referrers, agents, business partners and affiliates, other insurers or related Companies;
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Our service providers;
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Family members or anyone you have authorised to deal with us on your behalf;
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Our legal or other advisers;
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Social media and other virtual communities and networks where people create, share or exchange information;
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Persons who are authorised under a power of attorney or otherwise to manage your affairs;
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Publicly available sources of information;
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Data partners, analytic consultants and other similar organisations; and
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Any other organisation or person where you have consented to them providing your Personal Information to us or consented to us obtaining Personal Information from them.
Exelero Capital Pty Ltd
Privacy Statement
This Privacy Statement applies to information collected by Exelero Capital Pty Ltd ABN 38 650 810 647 ("Exelero Capital" or "we") and its related bodies corporate. It outlines how we manage your personal information and safeguard your privacy. At Exelero Capital, we understand your concerns about privacy and the security of your personal information. Your privacy is important to us and we are bound by the Privacy Act 1998 (Cth) and the Australian Privacy Principles ("APP"). We are committed to protecting the personal information that we hold about you.
Anonymity
Where possible, you have the option of interacting with us anonymously. For example, you may visit and browse our website and use some of our online facilities without having to reveal any Personal Information.
It’s your choice whether to provide your personal information. However, if you don’t, we might be unable to fulfil your request for a specific product or service or be unable to identify you to protect you against fraud.
Use and disclosure of your personal information
Exelero Capital will never sell, rent or trade your Personal Information.
If you believe that Exelero Capital has experienced a data breach, please contact us by telephone 1300 052 063, send an email to info@exelero.capital or write to us at Exelero Capital, 478 George Street, Sydney, NSW 2000.
Access to your personal information
You may request access to the personal information that we hold about you or request correction to the personal information that we hold. Subject to the limited circumstances set out below, we will endeavour to process your request in a reasonable time or within 30 days. In order for us to process your request, we will need to verify your identity. There is no charge for requesting access to your personal information, however in some circumstances, we may need to charge an administrative fee, of which we will inform you in advance.
In the event that we refuse you access to your personal information, we will provide you with an explanation for that refusal. These reasons may include:
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an unreasonable impact on the privacy of other individuals;
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the information relates to legal proceedings between Exelero Capital and you;
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the information would reveal our commercially sensitive decision-making process; or
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we are prevented by law from disclosing the information or providing access.
Use of our Website
We will collect some information from you when you visit the Exelero Capital website www.exelero.capital Your use of the facilities and services available through the website will determine the amount and type of information that we will collect about you. Some of this information will not be personal information because it will not reveal your identity.
The only personal information which we collect about you when you use the website is what you tell us about yourself; for example, by completing an online form such as an application form or by asking for a disclosure document for our products or by sending us an email. We will record your email address if you send us an email.
Cookies
When you visit the website, our server places small pieces of data known as 'cookies' on your hard drive. Cookies are pieces of information that are transferred to your computer when you visit a website for record-keeping purposes. Most Web browsers are set to accept cookies. However, if you do not wish to receive any “cookies' you may set your Web browser to refuse cookies. We use cookies to provide us with aggregate (anonymous) information on how people use our website and to help us know what our customers find interesting and useful in our website. We do not link this information back to other information that you have provided to us.
Changes to our privacy policy
Exelero Capital may make changes to this Privacy Statement from time to time and all changes will be posted on our website. Please check our website periodically. Alternatively, you can telephone 1300 052 063 or email info@exelero.capital and request a copy of our most recent policy. Whenever using our websites you should read this policy in conjunction with the relevant website’s Terms of Use.
Direct Marketing
On occasion, we, and our related companies, may use your Personal Information to provide you with information about the products and services we or our distributors, referrers, agents, business partners, affiliates and any proposed new or incoming insurer may offer.
You can opt out of receiving direct marketing information from us at any time (see the section ‘Contacting us’).
Contacting us
If you would like more information about how we manage your personal information, please contact us on info@exelero.capital
If you ever have an issue or complaint in relation to privacy, please contact us via the contact channels listed above.
We take privacy related complaints very seriously and consider all complaints carefully as part of our commitment to being open, honest and fair in dealing with your concerns. We’ll contact you within five working days of receiving your complaint to let you know what actions we are taking regarding the matter.
If you are not satisfied with our response to your enquiry or complaint you can contact the Privacy Officer and request that it be reviewed by a senior staff member who will endeavour to resolve your dispute within 30 days from when you first notified us.
You can obtain information on privacy issues in Australia by visiting the Office of the Australian Privacy Commissioner’s web site located at www.oaic.gov.au, by email at enquiries@oaic.gov.au or by telephoning 1300 363992.