This privacy policy sets out how Kooya Salary Packaging Pty Ltd. (“Kooya”, “we”, “us”, “our”) uses and protects any information that you give us when you use this website.

Kooya is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

Kooya may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes.

WHAT PERSONAL INFORMATION DO WE COLLECT AND HOLD?


GENERAL INFORMATION

The types of information that we collect and hold about you could include: 


INFORMATION FROM A CREDIT REPORTING AGENCY

When we’re checking your credit worthiness and at other times, we collect information about you that you can obtain from credit reporting bodies. 


WHAT SENSITIVE INFORMATION DO WE COLLECT?

Sometimes we need to collect sensitive information about you, for instance in relation to some insurance applications. This could include things like driving history and any previous traffic infringements you may have had. Unless required by law, we will only collect sensitive information with your consent. 


WHEN THE LAW AUTHORISES OR REQUIRES US TO COLLECT SENSATIVE INFOMRATION

We may collect information about you because we are required or authorised by law to collect it. There are laws that affect financial institutions which require us to collect personal information, like the National Consumer Credit Protection Act. 


WHAT DO WE COLLECT VIA YOUR WEBSITE ACTIVITY?

If you use our website or our programs, we may monitor your use of the website and our programs to ensure we can verify you and you can receive information from us, and to identify ways we can improve our services for you. We also know that some clients like to engage with us through social media channels and have exposure to our above-the-line marketing (TV, radio). 

We may collect information about you when you interact with us through these channels. However for all confidential matters, we’ll ensure we interact with you via a secure forum. 

To improve our services and products, we sometimes collect de-identified information from users of our website or our programs. That information could include IP addresses or geographical information to ensure your use of our web and our programs is secure. We also collect de-identified information if you use our website or our programs. 

Although the information collected does not identify an individual, it does provide us with useful statistics so that we can analyse and improve our web services and programs. If you disclose information through our websites, you may receive cookies, which are data that a website transfers to a user’s hard drive for record-keeping purposes. Cookies can facilitate a user’s ongoing access to and use of a website. The cookies allow us to track website usage patterns and to compile data that can help us improve our web content. If you do not want us to collect information by use of cookies, there is a simple procedure available in most browsers that allows you to deny cookies. However, please note cookies may be necessary for us to provide some web-based features; like services for which a person must register. 


HOW DO WE COLLECT YOUR PERSONAL INFORMATION?

We understand that your personal information needs to be looked after and isn’t something you leave lying around for just anybody to take. Unless it’s unreasonable or impracticable, we will try to collect personal information directly from you (referred to as ‘solicited information’). For this reason, it’s important that you help us to do this and keep your contact details up-to-date. There are many ways we seek information from you. We might collect your information when: 


HOW WE COLLECT YOUR INFORMATION FROM OTHER SOURCES

Sometimes we collect information about you from other sources. We do this only if it’s necessary to do so. Instances of when we may need to include where: 

Also: 


WHAT IF YOU DON’T WANT TO PROVIDE US WITH PERSONAL INFORMATION

If you don’t provide your personal information to us, we may not be able to: 


HOW WE COLLECT AND HOLD YOUR PERSONAL INFORMATION

We will collect your credit information from details included in a Finance Application. In addition to what we say above about collecting information from other sources, other main sources for collecting credit information are: 


WHAT DO WE DO WHEN WE GET INFORMATION WE DIDN’T ASK FOR 

Where we receive unsolicited personal information about you, we will check whether that information is reasonably necessary for our functions or activities. If it is, we’ll handle this information the same way we do with other information we seek from you. If not, we’ll destroy or de-identify it. 


HOW DO WE TAKE CARE OF YOUR PERSONAL INFORMATION?

We store information in different ways, including in paper and electronic form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse, interference and loss, and from unauthorised access, modification or disclosure. Some of the ways we do this are: 

We can store personal information physically or electronically with third party data storage providers. Where we do this, we use contractual arrangements to ensure those providers take appropriate measures to protect that information and restrict the uses to which they can put that information. 


WHAT HAPPENS IF WE NO LONGER NEED YOUR PERSONAL INFORMATION?

We’ll only keep your information for as long as we require it for our purposes. We’re also required to keep some of your information for certain periods of time under law, such as the Corporations Act. When we no longer require your information, we’ll ensure that your information is destroyed or de-identified. 


WHAT ARE THE MAIN REASONS WE COLLECT AND HOLD YOUR PERSONAL INFORMATION?

Because we offer a range of services and products, collecting your personal information allows us to provide you with the products and services you’ve asked for. This means we can use your information to: 


CAN WE USE YOUR INFORMATION FOR MARKETING?

We like to share what we know about our products with you. We may use or disclose your personal information to let you know about products and services through Kooya affiliated partners that might better serve your financial, e-commerce and lifestyle needs, or running competitions or promotions and other opportunities in which you may be interested. 

We may conduct these marketing activities via email, telephone, SMS, IM, mail, or any other electronic means. We may also market our products to you through third party channels (such as social networking sites). 

You may opt out of any marketing at any time by contacting as by email info@financeyou.com.au or selecting the ‘Opt Out’ option where available. Where we market to prospective clients, we are happy to let them know how we obtained their information and will provide easy to follow opt-outs. 

We may disclose your personal information to third parties such as the Provider, or agents for the purpose of connecting you with other businesses or clients. 


YES, YOU CAN OPT OUT AT ANY TIME

You can let us know at any time if you no longer wish to receive direct marketing offers from Kooya. 


WHAT ARE OTHER WAYS WE COLLECT YOUR PERSONAL INFORMATION?

We’ve just told you some of the main reasons why we collect your information, so here’s some more insight into the ways we use your personal information including: 


WHO DO WE SHARE YOUR PERSONAL INFORMATION WITH? 

To make sure we can meet your specific needs and for the purposes described in ‘How we use your personal information’, we sometimes need to share your personal information with others. We may share your information with other organisations for any purposes for which we may use your information. 


SHARING AT YOUR REQUEST

We may share your personal information with: 


SHARING WITH THIRD PARTIES

We may share your personal information with third parties outside of the Group, including: 


SHARING OUTSIDE AUSTRALIA

Kooya conducts the key functions of the business in Australia. We may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage has the potential to be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held. If your information is stored in this way, disclosures may occur in countries other than those listed. Overseas organisations may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure. 


HOW DO YOU ACCESS YOUR PERSONAL INFORMATION?

We’ll always give you access to your personal information unless there are certain legal reasons why we can’t. You can ask us in writing to access your personal information that we hold. In some cases we may be able to deal with your request over the phone. We will give you access to your information in the form you want it where it’s reasonable and practical (such as a copy of a phone call you may have had with us). We may charge you a small fee to cover our costs when giving you access, but we’ll always check with you first. We’re not always required to give you access to your personal information. 


Some of the situations where we don’t have to give you access include when: 

If we can’t provide your information in the way you’ve requested, we will tell you why in writing. If you have concerns, you can contest this position. Please contact us. 


HOW DO YOU CORRECT YOUR PERSONAL INFORAMTION?

Contact us if you think there is something wrong with the information we hold about you and we’ll try to correct it if it’s: 

If you are worried that we have given incorrect information to others, you can ask us to tell them about the correction. We’ll try and help where we can – if we can’t, then we’ll let you know in writing. 


CONTACT US

We care about your privacy. Please contact us if you have any questions or comments about our privacy policies and procedures. We welcome your feedback. You can contact us by using the details below: 


Kooya

PO BOX 7100

Cloisters Square PO WA 6850

hello@kooya.com.au

1300 4 56692

1300 4 KOOYA