Privacy Consent and Notification

What information do we collect and how do we collect it?

Personal information we collect includes:

• information about your identity and contact details
• your credit history and financial information
• information about your interactions with us, such as transactions, enquiries, and use of our website.

We may collect this information from you directly or from third parties, including joint applicants, someone acting on your behalf, credit reporting bodies, or other credit providers.

If you give us information about others (such as information about a joint applicant) you must have their authority to do so and tell them what is in this notice.

In limited circumstances, we may collect and hold sensitive information about you (for example, recordings of your voice or images of your face for identification and fraud prevention purposes; or information about your health when you make an application for hardship or when you apply for a life insurance product). We only collect sensitive information from you if it is necessary for our functions and activities and you have consented to that collection (unless we are required or permitted by law to collect that information).

Sharing your personal information

In order to provide products and services to you and manage our business, we typically share your personal information with:

• our agents, contractors and contracted service providers (for example payment system operators, mailing houses and digital platforms)
• your agents, representatives or anyone you have authorised to act on your behalf (including your legal advisor, mortgage broker, financial advisor, accountant, parent, guardian, trustee or power of attorney)
• other organisations, who jointly with us, provide products or services to you
• any person who makes a joint application for a product or service with you or any additional card holders or joint account holders, guarantors or co-guarantors
• government and law enforcement agencies, regulators or external dispute resolution bodies
• entities that provide identity verification or help identify, investigate or prevent inappropriate or illegal activity, such as fraud
• credit reporting bodies
• debt collectors
• insurers, lenders mortgage insurers and re-insurers
• our professional advisors such as, accountants, lawyers and auditors;
• entities that hold an interest in our assets or business (e.g. for securitisation)
• other financial services organisations and credit providers, including banks, superannuation funds, and fund managers
• accredited data recipients in line with our Consumer Data Right (CDR) Policy.
• any other parties as required or permitted by law or with your clear consent.

Sharing your information with Lenders Mortgage Insurers 

If you apply for credit that we require to be mortgage insured, we may apply to one of the lenders’ mortgage insurance (LMI) insurers used by us for LMI for the loan. 

If this is the case, to the extent permitted by the Privacy Act 1988 (Cth) (Privacy Act), you agree that the insurer may collect, disclose, hold and use personal information (including credit-related information) about you and any guarantor from us, or from a credit reporting body, for any purpose related to LMI, including to allow the insurer to: 

• assess the risk of insuring us in respect of the loan to you, 
• decide whether to insure us in respect of the loan to you, 
• assess the risk of default by you, 
• determine its rights and obligations in the event of default by you; 
• administer, monitor and manage LMI and the insurer’s obligations under LMI generally, and 
• enforce the insurer’s rights under LMI or in respect of any claim, or 
• for other reasons where the law allows or requires, or you have consented. 

Sometimes the insurer may share your personal information (including credit-related information) with third parties for the reasons stated above, whether in Australia or overseas, such as related companies, service providers, credit reporting bodies, reinsurers, advisors, government agencies, external dispute resolution bodies, financial institutions, mercantile agents and your employer, guarantors or referees. 

You can find a copy of the insurers’ privacy policies on their websites or via the links below. This will contain information about the third parties to which the insurer may share your personal information, how you can access and correct any information they hold about you, and how you can make a complaint to them about how they handle your information. 

If we are unable to provide this information to our insurers, the insurers will be unable to issue insurance and Newcastle Permanent may be unable to provide you with a loan.

The LMI insurers used by us are:

Helia Insurance Pty Limited ABN 60 106 974 305
1300 655 422 
www.helia.com.au/privacy-policy

QBE Lenders' Mortgage Insurance Limited
ABN 70 000 51 1 071
1300 367 764
www.qbe.com/lmi/about-us/governance/privacy-policy

Sharing your information outside Australia  
We may send personal information about you to organisations outside Australia:

• to provide a product or service that you have requested;
• when we use service providers that are located outside Australia and/or do not carry on business in Australia; and/or
• to meet our legal obligations. 

See ngmgroupaustralia.com.au/privacy or ask us for a list of countries that these organisations may be located in.By consenting to the use and disclosure of your personal information as stated in this Privacy Consent and Notification and our Privacy Policy, you consent to the use and disclosure of your personal information to entities located outside Australia. You also acknowledge that by consenting to us disclosing your personal information to overseas recipients, Australian Privacy Principle (APP) 8.1 will not apply to the disclosure (which means we will not be obliged under the Privacy Act to take reasonable steps to ensure that an overseas recipient does not breach the APPS) and we may not be liable under the Privacy Act if the recipient does not act consistently with the APPs.