About this Website Policy
This policy applies to the Cigno website (www.cignoloans.com.au), which is operated on behalf of Cigno Australia Pty Ltd ABN 41 648 971 626 (‘Cigno’).
Cigno places a large emphasis and is committed to protecting your private information. We will only use the information that we collect about you lawfully.
As you interact with the website, your personal information will be received. This policy will explain how your information will be treated throughout.
Collection and use of information
We may collect personal information from you directly or via your use of our application services. We will only collect personal information which is reasonably necessary for, or directly related to, our loan application functions or activities in regards to your file.
Types of personal information may include, but is not limited to:
- Contact details
- Date of birth
- Identification information such as Drivers Licence and Medicare Card
- Financial information such as income types, immediate expenses
By providing us your information you are giving your express consent for us and our affiliates to contact you by way of email, SMS, Phone (including pre-recorded and computer-generated messages), push notification, user portal message, fax and other forms of communication for the purposes of customer service, debt collection, marketing and promotion. You may withdraw your consent at any time by contacting us.
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.
It is not mandatory to submit this information, however if you elect to provide sensitive information it will also be captured and stored within your file.
Information from third parties
Our website also contains links to the websites of third party providers of goods and services such as Facebook. 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.
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.
- 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.
Your IP address is the identifier for your computer when you are using the internet.
As you interact through our website, your IP address will be collected.
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.
You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.
Disclosure to credit reporting bodies
Cigno Pty Ltd may also disclose certain credit-related personal information to credit reporting bodies. For example, if you fail to meet repayment obligations or commit a serious credit infringement, we may be entitled to disclose this to a credit reporting body for the purpose of collecting any outstanding debts or making a default credit listing. When such information is disclosed to a credit reporting body, the credit reporting body may include such information in reports provided to credit providers to assist them in assessing your credit worthiness.
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 cookies 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).
For complaints, you can contact the Office of the Australian Information Commissioner (OAIC) and file a formal complaint with them. They can be contacted by phone on (07) 5644 3500, you can also visit: www.oaic.gov.au
Note, Cigno is subject to the Privacy Act 1988.
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 submit a request via email too: [email protected] We will respond to your request as soon as possible.
Please contact us on (07) 5644 3500 if you would like further information.