Privacy Policy
About This Privacy Policy
At ICS Business & Finance ("we," "us," or "our"), we are committed to safeguarding your privacy. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). By engaging with our services or using our website, you consent to the practices described in this policy.
Collection of Personal Information
We collect personal information that is necessary to provide our services and conduct our business. This may include, but is not limited to:
Identification Details: Name and date of birth.
Contact Information: Address, email, and phone numbers.
Financial Information: Bank account details and credit history.
Employment Details: Occupation and employer information.
Transaction Information: Details of products or services you've obtained from us.
Methods of Collection
We collect personal information through various means, including:
Direct Interactions: When you apply for our products or services, complete forms, or communicate with us.
Third Parties: From credit reporting agencies, financial institutions, and other service providers.
Use of Personal Information
Your personal information is used to:
Provide and manage our products and services.
Assess and process applications for credit or other services.
Communicate with you about your accounts or our offerings.
Comply with legal and regulatory obligations.
Conduct internal operations, including risk management and record keeping.
Improve our services and customer experiences.
Disclosure of Personal Information
We may disclose your personal information to:
Service Providers: Third parties who assist in delivering our services, such as IT support, marketing, and debt collection agencies.
Financial Institutions: Banks and lenders involved in your transactions.
Regulatory Bodies: Government agencies and law enforcement as required by law.
Professional Advisers: Accountants, lawyers, and auditors.
Credit Reporting Agencies: To assess your creditworthiness.
We do not sell your personal information to third parties.
Security of Your Information
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. This includes implementing physical, electronic, and managerial procedures to safeguard and secure the information we collect.
Access and Correction
You have the right to access the personal information we hold about you and to request corrections if necessary. To do so, please contact us using the details provided below. We will respond to your request within a reasonable timeframe.
Complaints and AFCA
If you believe that your privacy has been infringed or a breach of the Australian Privacy Principles has occurred, you are entitled to complain. All complaints should initially be in writing and directed to our Complaints Officer. We will respond to your complaint as soon as possible, generally within 24 hours, and try to resolve the matter within 30 days as required by RG 271. When this is not possible, we will contact you to provide an estimate of how long it will take to handle the complaint.Ledge
If you are not satisfied with our response, you may escalate your complaint to the Australian Financial Complaints Authority (AFCA):
Website: www.afca.org.au
Phone: 1800 931 678
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The latest version will always be available on our website. We encourage you to review it regularly.
Contact Us
For any questions, concerns, or requests regarding this Privacy Policy or our handling of your personal information, please contact us at:
ICS Business & Finance
Sheleila: sheleila@icsbusinessfinance.com.au