Privacy Policy
RCI Platform Australia Limited (ACN 612686352) is a private company that has developed a new way for delivering minimal cost income to a homeowner. References to "RCI", "we", "us" and "our" in this Privacy Policy refer to RCI Platform Australia Limited.
RCI is bound by the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) (Privacy Act). The APPs are designed to protect the confidentiality of information and the privacy of individuals by regulating the way personal information is collected, used, disclosed and managed. Personal information is, generally speaking, information or an opinion relating to an identified, or reasonably identifiable, individual.
This policy explains the types of personal information that we may collect and hold, how that information is used and with whom the information is shared. It also sets out how you can contact us if you have any queries or concerns about this information.
Why do we collect personal information?
We collect personal information about our Customers, Service Providers, Partners to understand and meet their needs, to conduct our activities and meet legal obligations.
What personal information do we collect?
The types of personal information we may collect may include contact information (such as your name, address, email address, fax and telephone number), information about property, comments you submit by way of Public Comment and any feedback that you provide to us about our products and services, our website, or other matters.
Sometimes our activities require us to collect sensitive information. For more details, see the section ‘Sensitive information is subject to greater restrictions’, below.
What other information do we collect?
Personal information may be collected by way of interim or full application forms filled out by individuals (including via online forms), surveys, emails, telephone conversations, online user-generated content, market research and face-to-face meeting. Where necessary and with your consent, we supplement the information we receive from you with information from third party sources, such as service providers or Trustee Partners.
RCI will also collect statistical information about visitors to our website using web analytics and session recording technology provided by third party service providers. These services use Cookies to assist us in understanding how visitors access and utilise our site. Generally this information cannot be used to identify particular individuals. However, in some circumstances it may include a visitor's internet protocol (IP) address, which could be linked to an individual.
In addition, RCI may use APIs to consolidate information on each unique visitor to their many interactions with our site. This consolidated information provides a more accurate picture of visitor journeys and use of our services and website. The system may assign a unique randomly generated identifier to each visitor and uses this identifier to link all activity associated with that particular visitor. The unique identifier, web analytics data and Cookies do not contain personally identifiable information such as your name or email address and therefore cannot be used to identify you.
How might RCI use and disclose your personal information?
RCI may use and disclose your personal information for the primary purpose of collection, or for reasonably expected secondary purposes which are related to the primary purpose, or for purposes to which you have consented, and in other circumstances authorised by the Privacy Act.
Generally, RCI may use and disclose your personal information for a range of purposes, including to:
- provide you with our products or services that you have requested;
- respond to your queries or feedback;
- analyse and improve all aspects of our business including, but not limited to, our development processes, our business systems, processes, outcomes, communication, website, engagement and performance;
- provide you with any communications or publications in which we think you might be interested, or which you have requested;
- let you know about developments in our procedures, products, services, activities and programs that might be useful to you;
- consider and manage income funding applications
Disclosure of personal information to other parties
RCI may disclose your personal information to third parties such as our professional financial advisers, our external service providers that provide services to us (relating to the HIR Income program, website hosting or cloud storage, distribution of information in reports or newsletters, and other publications developed by RCI. We may disclose your personal information for the purposes set out above.
We may disclose your personal information if it is required or authorised by law, where disclosure is necessary to prevent a threat to life, health or safety, or where we are otherwise permitted by the Privacy Act.
We do not sell or license your personal information to third parties.
Sensitive information is subject to greater restrictions
Some of the information we collect may be ‘sensitive information’
RCI may use and disclose your sensitive information for the primary purpose of collection, or for reasonably expected secondary purposes which are directly related to the primary purpose, or for purposes to which you have consented and in other circumstances authorised by the Privacy Act (eg where required or authorised by law to be disclosed, or where disclosure is necessary to prevent a threat to life, health or safety).
Security and management of personal information
RCI will take reasonable steps to protect the personal information we hold from misuse and loss and from unauthorised access, modification or disclosure. The ways we do this include:
- security protocols and systems
- limiting physical access to our premises;
- limiting access to the information we collect about you (for instance, only those of our personnel who need your information to carry out our business activities are allowed access
- requiring any third party providers to have acceptable security measures to keep personal information secure; and
- putting in place physical, electronic, and procedural safeguards in line with industry standards.
If we no longer require your personal information and are not legally required to retain it, RCI will take reasonable steps to destroy or permanently de-identify the personal information.
Links from our website to other websites
Our website may contain links to third party websites. We do not operate these websites and therefore are not responsible for the collection or handling of personal information by the operators of these websites.
Accessing the information we hold about you
Under the APPs, you may be able to obtain a copy of the personal information that we hold about you. The APPs provide some exceptions to your rights in this regard. To make a request to access this information, please contact us in writing. We will require you to verify your identity and specify what information you require. We may charge a fee to cover the cost of verifying the application and locating, retrieving, reviewing and copying any material requested.
Updating your personal information
We endeavour to ensure that the personal information we hold about you is accurate, complete and up-to-date. Please contact RCI at the contact address set out below if you believe that the information we hold about you requires correction or is out-of-date.
Sending information overseas.
RCI will not send your personal information to a recipient outside Australia without obtaining your consent or otherwise complying with the APPs.
The countries in which recipients are likely to be located include New Zealand, United States, United Kingdom, Canada, and Singapore.
Updates to this Policy
This Privacy Policy will be reviewed from time to time to take account of new laws and technology, changes to our operations and practices and the changing business environment. The current version of this Privacy Policy is available at: www.rciplatform.com.au.
Complaints
If you are concerned that we have not complied with your legal rights or applicable privacy laws, you may bring a complaint internally through our complaints process or you may decide to make a formal complaint with the Office of the Australian Information Commissioner (www.oaic.gov.au) (which is the regulator responsible for privacy in Australia).
We will deal with complaints as follows:
Step 1: Let us know
If you would like to make a complaint, you should let us know by contacting RCI in writing.
Step 2: Investigation of complaint
Your complaint will be investigated by the RCI Administrator.
A response to your complaint will be provided in writing within a reasonable period.
Step 3: Contact OAIC
We expect our procedures will deal fairly and promptly with your complaint. However, if you remain dissatisfied, you can also contact the Office of the Australian Information Commissioner as follows:
Office of the Australian Information Commissioner (OAIC)
Complaints must be made in writing:
1300 363 992
Director of Compliance
Office of the Australian
Information Commissioner
GPO Box 5218
Sydney NSW 2001
www.oaic.gov.au
Contact us
Any complaints or correspondence in relation to this Privacy Policy should be sent to our Administrator at:
RCI Platform Limited
GPO Box, Melbourne, VIC 3000
Attention: The Privacy Officer
Email: privacy.officer@rciplatform.com.au
We will endeavour to respond to all complaints and correspondence promptly.