Western Melbourne’s finance professionals
At Ruahine Finance, we are committed to protecting your privacy by adhering to the Privacy Act 1998 (Cth). Our Melbourne’s West professionals are dedicated to providing you with specialised finance advice tailored to your circumstances. To give you an understanding of how we handle your personal information, we have detailed our current privacy policies and practices.
What information do we collect and how do we use it?
When we assist you with your finance we will ask for relevant personal information to provide you with tailored advice for your credit needs. We only provide your information to the companies and representatives with whom you choose to deal with. We also utilise your information to manage our ongoing relationships (e.g. invoicing, client surveys, etc.), help resolve problems and to improve our services.
We use your information to send you requested product information via mail or electronically, including promotions, new services, special offers and events or articles that may be of interest to you. If you would rather not receive this information, email or write to us and you will no longer receive these communications.
What if you don’t provide some information to us?
If you don’t provide us with full information, we can’t properly advise or assist you with your credit needs.
How do we hold and protect your information?
We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold, and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements. We hold the information we collect from you on a password protected secure server online within Australia. We ensure that your information is safe by only keeping digital records of all documents we receive and storing them on our secured server. Only individuals with the appropriate credentials will be able to access such information.
Will we disclose the information we collect to anyone?
We do not sell, trade, or rent your personal information to others. We may need to provide your information to our credit licensee (e.g. for administration and supervision activities), contractors who supply services to us (e.g. to handle mailings on our behalf), or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do. We may also provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.
How can you check, update or change the information we are holding?
Upon receipt of your written request and sufficient identification, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.
If you wish to access or correct your personal information please write to our Privacy Officer at email@example.com. We do not charge for receiving a request for access to personal information or for complying with a correction request.
By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided to us for the purposes described above.
Tell us what you think
Your feedback is important to us and we welcome your questions and comments about privacy. If you have any concerns or complaints, please contact firstname.lastname@example.org
Compliments and Concerns
We always work hard to build strong and lasting relationships with our valued customers. By listening to your feedback, not only can we address any immediate concerns you may have, we will also continually improve our products and services.
We know there are times when you may wish to compliment us on something we have done well and other times when you may wish to tell us we have not met your expectations.
Our representatives are always delighted to know that they have succeeded in making your experience a pleasant and successful one.
If one of our representatives has provided you with exceptional service in any way, please let us know using the details below, so that we can further encourage them via this feedback process.
If, for any reason, you do not feel that you have received the highest standard of care from us, we encourage you to share this with us. We have developed a process that makes it easy for you to tell us of your concerns and for them to be addressed quickly and fairly.
If you choose to contact us by mail or email, please make sure you provide as much detail as possible about your complaint.
Need an Update on your complaint
If you have lodged a complaint with us, you can contact us at any time to ask for an update on its status. Contact us through any of the methods listed above and please be sure to refer to your earlier communication so that we can respond effectively.
We will try to deal with your complaint on the spot. However, if this is not possible, we will write to you to acknowledge your complaint within 5 days. We will ensure we treat you fairly and will work to resolve your complaint as soon as possible. In the rare event we are still investigating your complaint after 45 days, we will write to you to explain why and to let you know when we expect to have completed our investigation.
When we have completed our investigation we will write to let you know the outcome and the reasons for our decision.
Taking it further
We hope that you will be satisfied with how we deal with your complaint. However, if your concerns remain unresolved, or you have not heard from us within 45 days, then you can have your complaint heard by an independent party, the Credit and Investments Ombudsman (CIO). You can contact CIO at:
1800 138 422 (local call cost)
Credit and Investments Ombudsman
PO Box A252
Sydney South NSW 1235