Privacy Policy

Effective Date: 1 May 2025

Privacy Statement
BlackBriar recognises the importance of personally identifiable information collected about you and is strongly committed to protecting this information when you interact with us about our products and services. Our objective is to provide a transparent framework about how and why we collect and use your personal information, and how we safeguard your privacy.

We are bound by the relevant laws including the Australian Privacy Principles in the Privacy Act 1988 (Cth), the Privacy (Credit Reporting) Code, and the Freedom of Information Act 1982, in relation to the handling of personal information.
Personal Information
We collect personal information when we provide our products and services to you and only collect what is reasonably necessary to perform our functions. We will generally inform you why we are collecting information and how it will be used, or it will be clear at the point of collection.

We typically collect information directly from you, but sometimes obtain it from third parties such as credit reporting bodies or insurers—with your consent where possible.

The personal information we may collect includes:

• Name, address, contact details, identification documents;

• Financial position details or information from credit checks (with your authorisation);

• Communications between your accountant, broker, adviser, or lawyer and us;

• Transactional or account-related information.
   

Credit Information
If you apply for credit, act as a guarantor, or provide security, we may collect credit-related information to assess your eligibility. This includes your credit history, repayment records, defaults, serious credit infringements, and public records.

We may share this information with:

• Brokers, lawyers, accountants, or other representatives;

• Credit reporting bodies (we use Equifax – see www.equifax.com.au or call 13 83 32);

• Investment managers, guarantors, and loan service providers;

• Any party you have authorised or who has a legal basis for receiving your data.

Sensitive Information
We generally do not collect sensitive information. If we do (e.g., in hardship applications), it will be with your consent and only as permitted by law.

Anonymity
Where lawful and practical, you can interact with us anonymously. However, this may limit the services or information we can provide.
Use of Personal Information
We will never sell, rent, or trade your personal information. It is used to:

• Provide products and services;

• Fulfil administrative and contractual requirements;

• Respond to enquiries or complaints;

• Comply with legal and regulatory obligations;

• Prevent fraud, money laundering, and financial crime.
   

Disclosure of Personal Information
We may share your personal information with:

• Service providers (IT, legal, printing, mailing, etc.);

• Related entities within the BlackBriar group;

• Accountants, financial institutions, debt collectors, or lawyers;

• Valuers, insurers, and mortgage professionals;

• Courts, regulators, or industry bodies as required;

• Any person you’ve authorised or where permitted by law.

Use by Third Parties
Where we outsource business functions, we ensure third parties are bound by confidentiality agreements. Personal information remains the property of BlackBriar and is used only for the specified purpose.

We do not disclose your details for third-party direct marketing. We may share information within the BlackBriar group to offer you relevant products and services.

We do not routinely share information with overseas entities. If we do, we will ensure they uphold privacy standards equivalent to those in Australia.

Use of Aggregate Data
We may collect non-identifiable data (e.g., browser type, IP address) using cookies to improve our website and user experience. This may be used in aggregate form for internal analysis, marketing, or service optimisation.

Security
We implement physical and digital safeguards to protect your personal information, including secure systems, restricted access, encryption, antivirus protections, and staff training. Despite this, no data transmission over the internet can be completely secure.

Data Breaches
In the event of a data breach likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) in accordance with the Notifiable Data Breaches scheme.

Direct Marketing
We may use your personal information to send marketing offers from us or our affiliates. You can opt out at any time by contacting us.

Access to Personal Information
You may request access to your personal information by contacting us. We will verify your identity and respond within 30 days, subject to legal exceptions. We may charge a reasonable administration fee where applicable.

Updating Your Information
You should keep your personal information accurate and up to date. If your details change, please contact us to update your records.

Links to Third-Party Sites
Our website may contain links to third-party sites. We are not responsible for the privacy practices or content of these sites.

Changes to this Privacy Policy
This policy is current as at 1 May 2025. We may update it from time to time. Any changes will be posted on our website: www.blackbriar.au

Contacting Us
Privacy Officer
BlackBriar
Level 2, 627 Chapel Street
South Yarra VIC 3141
Phone: 1300 629 016 or 03 9969 7552
Email: info@blackbriar.au

If you are not satisfied with our handling of your personal information, you may contact:

Office of the Australian Information Commissioner (OAIC)
Phone: 1300 363 992
Email: enquiries@oaic.gov.au
Mail: GPO Box 5218, Sydney NSW 2001
Website: www.oaic.gov.au