Introduction
Indue is firmly committed to protecting the privacy and confidentiality of personal information. We maintain robust physical, electronic and procedural safeguards to protect personal information in our care. We are bound by the National Privacy Principles in the Privacy Act 1988 (Cth) as well as other applicable laws and codes.

How do we collect personal information?
Indue collects and holds personal information in circumstances where you wish to receive or have received financial services from us. We will collect this personal information from you for the purposes of:

• providing you with the requested service or product;
• assessing any application we receive by you in respect of a request to receive a service or product;
• identifying you;
• managing and administering the services and products we provide you; and
• protecting against fraud.

The information we collect may include your name, address, date of birth, income particulars, assets and other financial information, health information, employment details and such other information that we consider necessary.

Where possible, we will collect the personal information directly from you. In some circumstances however we may need to collect this information from a third party such as a credit reporting agency, legal or financial advisor, your employer or other relevant third parties.

How we use personal information
We use personal information provided by you to provide you with requested financial services and products. Indue may use the information for related purposes, such as:

• identification of fraud and error;
• regulatory reporting and compliance;
• internal accounting and administration;
• providing you with information about other products or services; and
• servicing our relationship with you.

Is the information disclosed to third parties?
We may disclose information about you as permitted by law. We may share information with regulatory bodies and law enforcement officials, provide information to protect against fraud and share information with your consent. From time to time, we enter into agreements with other companies to provide services to us or make products and services available to you. Under these agreements, the companies may receive personal information, but they must safeguard this information and may not use it for any other purposes.

Security of information
Indue has implemented appropriate physical, electronic and managerial security procedures in order to protect personally identifiable information from loss, misuse, alteration or destruction. Only authorised Indue personnel are provided access to personally identifiable information in order to perform their roles and these employees have agreed to ensure the confidentiality of this information. Indue regularly reviews security and encryption technologies and will strive to protect information to the fullest extent possible.

Keeping your personal information accurate and up-to- date
We will take reasonable steps to ensure that your personal information is accurate, complete and up-to-date. If you become aware that your personal information is not accurate, complete and up-to-date, you must immediately contact us.

Linked sites
Our site may contain links to other sites. Indue is not responsible for the privacy practices or the content of such web sites. We encourage you to read the privacy statements of any linked sites as their privacy policy may differ from ours.

Gaining Access to your Personal Information
Subject to certain exemptions, you may gain access to your personal information. If we are not able to give you access, we will inform you of our decision and the reasons for that decision in writing.

Please contact us if you require access to your personal information.

Feedback
We welcome your inquiries or comments about our privacy policy and any queries or comments that you may have about our site.

Complaints
Should you have a complaint, please contact the person, department concerned. If your complaint is not resolved to your satisfaction, contact our office on telephone number 1300 433 248.

Changes to our privacy policy
From time to time it may be necessary for us to review and revise our privacy policy. We reserve the right to change our privacy policy at any time, should this occur the amendment would be posted on our web site.

More information
Additional information relating to our privacy policy is available upon request.