Privacy Policy

Pepper Australia Pty Limited ACN 094317 665 and its affiliates (collectively known as "Pepper" and also referred to herein as "us," "we" and "our") recognise and respect the importance of our customers personal information and all encompassing legislation.

To offer you the financial products and services you seek, we collect, maintain, and use information about you on a routine basis. To help you better understand how your personal information is protected by Pepper, we are providing you with our Privacy Policy describing our practices and policies with respect to the privacy of customer information.

In the event you terminate your customer relationship with us, or become an inactive customer, we will continue to adhere to our Privacy Policy.

Your personal information

When we refer to personal information we mean information from which your identity is apparent. This information may include information or an opinion about you, from which your identity can reasonably be ascertained. Where reasonable and practical we will collect your personal information only directly from you.

Disclosing your personal information

To enable us to maintain a successful business relationship with you, we may disclose your personal information with other organisations associated with the processing and management of your mortgage and related products and services as allowed by law.

The types of organisations to which we are likely to disclose information about you include other creditors, financial institutions, investment companies, accountants, lawyers and credit reporting agencies. We may also disclose your personal information to any other organisation that may have or is considering having an interest in your loan, or in our business.

Where possible, we will inform you, at or before the time of collecting your personal information, the types of organisations that we intend to disclose your personal information to.

Prior to disclosing any of your personal information to another organisation, we will take all reasonable steps to satisfy ourselves that:
(a) the organisation has a commitment to protecting your personal information at least equal to our commitment; and
(b) you have consented to us doing so.

Sometimes, we may be required or authorised by law to disclose your personal information. Circumstances in which we may disclose your personal information would be to a Court or Tribunal in response to a request or in response to a subpoena or to government agents such as the Australian Taxation Office, Centrelink or the Federal Police.

Direct Marketing
From time to time we may use your personal information to provide you with current information about financial products and services, special offers you may find of interest or changes to our organisation. Your privacy will be protected as prescribed by legislation and by way of legal contract between Pepper and its business suppliers.

Customers will always have the preliminary right to opt out of being included in any direct marketing and you may at any time decline to receive such information by contacting The Privacy Officer.

Employee access to your information

We maintain physical, electronic and procedural safeguards that comply with State and Federal legislation to guard your personal information. We consciously train our employees and agents to be sensitive about confidentiality and customer privacy. We restrict access to personal information about you to those employees who need to know that information so that we can maintain loans and provide products and services to you.

This policy statement does not expand legal obligations

This policy statement is not intended to create any liability other than that already found in the law.

Change in our Privacy Policy
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. As a consequence we may change this Privacy Policy from time to time or as the need arises.

Pepper’ privacy officer

For further information about our privacy standards or to gain access to Pepper’s Privacy Policy, please contact 1800 737 737 or by writing to:

The Privacy Officer
Pepper Homeloans
PO Box 6186
NORTH SYDNEY NSW 2060