Website Policy

About this Website Policy

This website policy applies to this website, which is operated on behalf of Bayside Finance Solutions ABN 67 340 950 445; Australian Credit Representative 467549; of Licensee Vow Financial Pty Ltd; Australian Credit License 390261; ACN 138 789 161; and its related businesses (we, us and our).

We are committed to protecting your privacy.

This policy explains how your personal information will be treated as you access and interact with this website.

Our website privacy policy may change from time to time.

Collection and use of information

We may collect personal information from you directly or via your use of our services. We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities.

Sensitive information

Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.

We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it will also be captured and stored.

Information from third parties

Our website also contains links to the websites of third party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.

Advertising and tracking

When you view our advertisements on a Third Party website, the advertising company uses ‘cookies’ and in some cases ‘web beacons’ to collect information such as:

  • the server your computer is logged onto;
  • your browser type;
  • the date and time of your visit; and
  • the performance of their marketing efforts.

When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (eg which pages you view) and whether you complete an online application.

Cookies

We use ‘cookies’ to provide you with better and more customised service and with a more effective website.

A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

We use cookies for different purposes such as:

  • to allocate a unique number to your internet browsers;
  • to customise our website for you;
  • for statistical purposes;
  • to identify if you have accessed a Third Party Website; and
  • for security purposes.

IP addresses

Your IP address is the identifier for your computer when you are using the internet. It may be necessary for us to collect your IP address for your interaction with various parts of our website.

Online applications

When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.

Security of information

The security of your information is very important to us.

We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.

If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).

Direct marketing

We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.

We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may unsubscribe at any time. We will respond to your request as soon as practicable.

Disclosure to overseas entities

We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities.

Information on this website.

We have taken all reasonable care in producing this website but we can’t guarantee it has all the information you need to answer all your questions. For information and assistance call us on contact details found here. All product details, rates, terms, conditions and other information is subject to change at any time without notice.

The information on this site is not intended to be financial, legal or any other advice or a product recommendation.

We do not suggest or recommend that you apply for any particular credit contract with any particular credit provider.

Where general advice may be provided on financial products, we have not taken your financial circumstances, needs and objectives into account, and you should consider these things before making any decisions.

Commissions

Bayside Finance Solutions earns a commission from the lender if your loan settles. The commissions earned from the lenders vary and are based on a percentage of your loan size. The commission percentage that Bayside Finance Solutions receives for your loan is nominated in the Credit Proposal that you will receive, prior to us providing credit assistance.

Disclaimer of liability

Bayside Finance Solutions disclaims any and all warranties, express and implied, to the extent permitted by law. Use of the content on this site is at the user’s sole risk. To the extent permitted by law, Bayside Finance Solutions will not be liable to any person or entity for any direct, indirect, consequential, incidental or other damages for any errors in the content on this site, or for the use of any content, including without limitation, damages for lost profits, business, data, or damage to any computer systems, even if you have advised Bayside Finance Solutions of the possibility of such damages.

Copyright

Unless otherwise indicated, copyright in the information on this site is owned by Bayside Finance Solutions. If you wish to reproduce any of the information on this site, please contact us and obtain our permission before doing so.

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