1. Collection of your personal information
Where practical, we collect personal information directly from you.
The personal information we collect is what is required for us to be able to provide you with our products and services, to manage and administer the product and service, to assess your application for credit and for incidental purposes. It generally comprises information such as your name, contact details etc.
There may be circumstances in which we collect personal information about you from third parties, including where you apply for credit.
We destroy or permanently de-identify your personal information when it is no longer necessary for its purpose and we are not required by law to keep it.
2. Use and disclosure of your personal information
We use your personal information to facilitate the purposes set out above.
Your personal information may be shared between PWB and its related entities.
We will not disclose your personal information to third parties unless:
- you have previously consented or agreed to such disclosure;
- it is necessary to provide you with the goods and services requested and such disclosure is made on a confidential basis;
- it is required by law or provided in cooperation with any government authority; or
- it is disclosed by us in a way that does not allow you to be identified.
We will not sell, rent or trade your personal information.
3. Direct Marketing
We may use your personal information to help identify the products and services which we think may be of interest to you. We also use it to keep you informed and up to date about our latest products, services and promotions. If you would prefer that we not use your personal information in this way, please contact us.
4. Your consent
We will endeavour not to use or disclose your personal information in a way which is unreasonably contrary to your expectations. However, you should be aware that if you do not consent to certain uses and disclosures of your personal information, we may not be able to provide our products and services to you.
5. Quality of your personal information
We rely upon the accuracy of your personal information to provide our products and services to you. To assist us with this, please contact us immediately if any of your personal information ceases to be current. Similarly, if for any reason you believe that the information we have about you is not accurate and complete, contact us and we will make the appropriate correction.
6. Access to your personal information
You may access the personal information that we hold about you upon request and on reasonable notice. However there are some circumstances in which we may refuse to provide access or only provide partial access to this information. If your request for access is not granted, we will explain our reasons to you. A nominal fee may apply to enable us to recover the reasonable costs of making such information available to you.
7. Security of your personal information
We regard the security of your personal information as paramount. To this end, we take all reasonable steps to protect your personal information from loss, misuse, unauthorised access, modification or disclosure.
Only authorised people within our organisation are entitled to access your personal information for approved purposes. All our employees and agents are required to sign a confidentiality agreement as a condition of their employment.