the exceptions set out in the Privacy Act 1993; and

any other enactment or rule of law that may override the provisions of the Privacy Act 1993.

Principle 1 – Purpose: Information must be collected for a lawful purpose connected with the activity and functions of Holden Financial Services.

Principle 2 – Source: Personal information must be collected directly from the individual concerned.

Principle 3 – Collection: When personal information is collected directly from an individual, the person collecting must ensure that the individual is aware of a number of matters, including the purpose for which it is collected, the intended recipient, the fact that the individual has a right to access to, and a right to request correction of, that information.

Principle 4 – Manner of Collection: Personal information may not be collected unlawfully, or in any way that is unfair in the circumstances or which intrudes unreasonably on personal privacy.

Principle 5 – Storage and Security: Holden Financial Services must ensure that it has reasonable safeguards for securing the protection of the information.

Principle 6 – Access to Personal Information: Any individual is entitled to confirmation from
Holden Financial Services as to whether it holds personal information, and access to that information about them if it is readily retrievable.

Principle 7 – Correction: An individual is entitled to request correction of personal information about them held by Holden Financial Services.

Principle 8 – Accuracy: Holden Financial Services cannot use personal information without taking reasonable steps to ensure that the information is up-to-date, complete, relevant and not misleading.

Principle 9 – Time Limit: Personal information may not be kept longer than necessary for the purpose for which it may lawfully be used (maximum time limit – six years).

Principle 10 – Limits on Use: Personal information obtained for one purpose may not be used for another purpose.

Principle 11 – Limits on Disclosure: Holden Financial Services must not disclose personal information to any person or agency, unless one of the following applies:

1. there is a reasonable belief that disclosure is one of the purposes for which information has been obtained;
2. disclosure is for the individual concerned;
3. disclosure is necessary to enable the sale of the business;
4. disclosure is necessary to prevent a serious or imminent threat to public health or safety;
5. it has been authorised by the Privacy Commission;
6. that the information is publicly available;
7. that non-compliance is necessary to avoid prejudice to the maintenance of law; and
8. the information will not be used in a form which identifies the individual concerned.

Principle 12 – Unique Identifier: Holden Financial Services may not assign a unique identifier to an individual unless this is necessary to enable it to carry out its functions effectively. A “unique identifier” is a tag that does not use the individual’s name.

Principle 1 – Purpose: Any information collected on this website will be collected for the purpose of furthering the relationship between Holden Financial Services and the customer, and enabling the customer to access web-based financial services.

Principle 2 – Source: Holden Financial Services will only collect personal information on this website from you. You will be identified by your Holden Financial Services customer number and password if you wish to add personal information.

Principle 3 – Collection: Any information about you will be collected directly from you, unless otherwise authorised, and we advise that:

1. Holden Financial Services is the only intended recipient of this information;
2. you have a right to access and correct any information; and
3. the purpose of collecting this information is as described above.

Principle 4 – Manner of Collection: Information gathered on this website will be limited to that information necessary to serve the purpose outlined above, and will be collected in a fair manner.

Principle 5 – Storage and Security: Holden Financial Services will take all practicable steps to safeguard and secure any personal information gathered by way of this website. You consent to Holden Financial Services contracting with a third party service provider for the storage and security of your personal information.

Principle 6 – Access to Personal Information: You may contact us at any time to confirm that we hold personal information about you, and are entitled to request a copy of that personal information, which will be provided to you within 20 working days.

Principle 7 – Correction: As noted above, you may request that we correct any personal information held about you.

Principle 8 – Accuracy: Holden Financial Services will not use any personal information about you without taking reasonable steps to ensure that the information is up-to-date, complete, relevant and not misleading. This means that we will not act on any information provided without:

1. being satisfied that it is accurate; and/or
2. seeking verification of that information from you or if necessary and with your consent, from a third party.

Principle 9 – Time Limit: Holden Financial Services will keep personal information about you for as long as you continue to be a customer of Holden Financial Services. Thereafter, personal information will be destroyed within six years of the termination of the relationship.

Principle 10 – Limits on Use:

1. Personal information obtained by this website will not be used except in association with any past or future financial services, transactions, interactions or proposals between Holden Financial Services and the customer.
2. Unless you have specifically requested otherwise, Holden Financial Services may use information provided to this website for the purposes of marketing the services of Holden Financial Services or its subsidiaries to you.
3. For the avoidance of doubt, marketing material accompanying any use of your personal information which is authorised will not be a breach of the Privacy Act 1993 and this Privacy Policy.
4. For the avoidance of doubt, Holden Financial Services may search information collected from you on this website for statistical analysis or to target special offers to you.

Principle 11 – Limits on Disclosure: We will not disclose to any person or agency your personal information. In particular, we will not give information you have provided on this website to a third party unless:

1. it is one of the purposes for which the information has been obtained (for example to undertake a credit check for the purpose of processing an application for credit);
2. it is disclosure to you or a person authorised by you;
3. it is necessary to enable a sale of Holden Financial Services' business;
4. it is necessary to prevent a serious or imminent threat to public health or safety;
5. it is authorised by the Privacy Commission;
6. the personal information is publicly available;
7. it is necessary to avoid prejudice to the maintenance of law; and/or
8. the information will not be used in a form which identifies you.

Principle 12 – Unique Identifier: We will only assign a unique identifier to you if this is necessary to enable us to carry out our functions effectively.