Privacy Policy
Purple Circle Financial Services Pty Ltd
ABN 21 611 305 170 Australian Credit License 486 112
Privacy Policy
This Policy applies to Purple Circle Financial Services Pty Ltd (Purple Circle) and all our Credit
Representatives/Authorised Representatives (Representatives) and their staff. The privacy of your
personal information is important to us. We are committed to respecting your right to privacy and
protecting your personal information. We are bound by the National Privacy Principles in the Privacy Act
1988. Our staff and Representatives are trained to respect your privacy in accordance with our standards,
policies and procedures.
About this Privacy Policy
This Privacy Policy outlines how we manage your personal information. It also describes generally the
sorts of personal information held and for what purposes, and how that information is collected, held,
used and disclosed. Our Privacy Policy applies to all your dealings with us, our website and our
Representatives. We encourage you to check our website regularly for any updates to our Privacy Policy.
We receive services to support the broking services we give you. We receive mortgage aggregation
services from Specialist Financial Group. Sometimes they collect personal information about customers to
manage customer enquiries or complaints, commission payments or file reviews. If you want to find out
how they manage your personal information, please click on the link below:
https://www.specialistfinancegroup.com.au/privacy-dispute-policies
If you have any questions about this, please do not hesitate to contact us.
Collecting your personal information
Credit Services
As a credit service provider, we are subject to certain legislative and regulatory requirements under the
National Consumer Credit Protection Act 2009 and the Anti-Money Laundering and Counter-Terrorism
Financing Act 2006. These require us to obtain personal information about you including (but not limited
to):
• your name, contact details, date of birth;
• length of time at your current address;
• information regarding your dependents and cohabitants;
• your occupation and employment history;
• your bank accounts;
• assets and existing finance; and
• proof of earnings, expenses and identity.
If you do not provide your information to us, it may not be possible to provide you with our services.
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If you want to make purchases from (or through) us we will also collect your payment information. We will
also collect this information if we need to make payments to you.
If you apply for employment with us we will collect information about your work history and ask your
referees about you. If you apply to become a Purple Circle Representative we will collect information to
enable us to assess whether you meet accepted industry standards.
How your personal information is collected
We collect personal information directly from you whenever we can, like from enquiries we make of you
when you seek our advice. We may verify that information from sources referred to in the responses to
those enquiries or in this Privacy Policy.
Sometimes we will collect information about you from other sources as the Privacy Act 1988 permits. We
will do this only if it’s reasonably necessary to do so, for example, where:
• we collect information from third parties about a loan or lease in relation to which you seek our
services; or
• we exchange information with your legal or accounting or other representatives.
You have the right to refuse us authorisation to collect such information from a third party. If you give us
information about another person (like your co-applicant) in relation to the services we provide, we
require that you let that other person know that you have provided their personal information and direct
them to our website for a copy of this Privacy Policy.
Credit Information
You can appoint us as your agent and authorise us to obtain your credit information (including both
consumer and commercial credit reporting and eligibility information) from a credit reporting body on
your behalf. You can also authorise us to use that information to assist us to provide you with credit
assistance.
Sensitive information
We will only collect sensitive information about you with your consent. Sensitive information is personal
information that includes information relating to your racial or ethnic origin, political persuasion,
memberships in trade or professional associations or trade unions, sexual preferences, criminal record,
or health.
We will only collect sensitive information that is reasonably necessary for us to perform our functions or
activities in advising and dealing with you.
Unsolicited personal information
We don't usually collect unsolicited personal information. Where we receive unsolicited personal
information, we'll determine whether or not it would have been permissible to collect that personal
information if it had been solicited. If we determine that collection would not have been permissible, to
the extent permitted by law, we'll destroy or de-identify that personal information as soon as practicable.
Dealing with us anonymously
You can deal with us anonymously where it is lawful and practicable to do so. For example, if you make
general inquiries about financial advisers near to your location, interest rates or current lender
promotional offers.
Using your personal information
Credit Services
We collect your personal information for the purpose of providing you with credit services such as:
• giving you information about loan/lease products or related services;
• considering whether you are eligible for a loan or lease or any related service you requested;
• recommending a suitable credit contract, an increase to your credit limit and/or that you retain
your existing credit contract;
• assisting you to apply for a credit contract or an increase in your credit limit;
• recommending a suitable consumer lease or to retain your existing consumer lease;
• assisting you to apply for a consumer lease;
• to verify your identity.
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We may use your personal information to tell you about other service providers, with whom we have
arrangements, that supply goods or services that may be of interest to you.
We may also collect your personal information for the purposes of direct marketing and managing our
relationship with you. If you do not wish to receive information relating to other products and services
please contact us at any time.
If you apply to become a Representative or apply for employment with us we will collect information
about you to assist us to decide whether to appoint you.
We collect payment information in order to process your payments.
Disclosing your personal information
Credit Services
In order to provide you with credit services and to operate our business activities we will need to disclose
your personal information to third parties. The organisations that we are likely to disclose information
about you to include:
• our Representatives and their staff;
• the mortgage aggregator through whom we submit loan or lease applications to lenders or
lessors on the mortgage aggregator’s panel;
• lenders and lessors;
• lender’s mortgage insurers and other loan or lease intermediaries;
• anyone who represents you such as settlement agents, real estate agents, lawyers and
accountants;
• valuers;
• your referees, like your employer, to confirm details about you;
• referrers that referred your business to us;
• guarantors and prospective guarantors of your loan or lease;
• to companies that provide information and infrastructure systems to us;
• agents, contractors, insurers, professional advisers and external service providers;
• Government and regulatory authorities and other organisations, as required or authorised by law
such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 or in
accordance with a subpoena or summons issued by a court;
• associated businesses that may want to market products to you;
• to anyone, where you have provided us consent.
In certain circumstances we may need to collect your tax file, Medicare or pension card number. We do
not use or disclose this information other than for the purpose it was collected, authorised by law or if
you have asked us to disclose this information to a third party. We will never use a government identifier
to identify you.
We may also disclose your personal information to any other organisation that may have or is considering
having an interest in our business. For example, a potential purchaser/organisation involved in the
proposed sale of our (or our Representatives) business for the purpose of due diligence, corporate reorganisation and transfer of all or part of the assets of our business. Disclosure will be made in
confidence and it will be a condition that no personal information will be used or disclosed by them.
We may disclose your personal information to overseas entities that provide support functions to us. You
may obtain more information about these entities by contacting us.
Where your personal information is disclosed we will seek to ensure that the information is held, used or
disclosed consistently with the National Privacy Principles.
Keeping your personal information accurate and up-to-date
We aim to make sure that the personal information we collect, use or disclose is accurate, complete and
up-to-date. We will take reasonable steps to make sure this is the case. This way we can provide you with
better service. If you believe your personal information is not accurate, complete or up to date, please
contact us. If we refuse to correct your personal information we will provide you with our reasons within
30 days.
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Protecting your personal information
We store information in different ways, including in paper and electronic form. The security of your
personal information is important to us and we take reasonable steps to protect it from misuse and loss
and unauthorised access, modification or disclosure. Some of the ways we do this are:
• confidentiality requirements for our employees, contractors and external service providers;
• Representative standards and rules for document storage and systems access;
• security measures to ensure the physical security of personal information held on our premises
and systems; and
• deleting, de-identifying or destroying your personal information when records are no longer
required.
We may use cloud storage to store personal information we hold about you. The cloud storage and the IT
servers may be located outside Australia.
Your privacy on the Internet
Our Website
We take care to ensure that the personal information you give us on our website is protected. For
example, our website has electronic security systems in place including the use of firewalls. User
identifiers, passwords or other access codes may also be used to control access to your personal
information.
Links to Other Sites
You may be able to access external websites by clicking on links we have provided. Those other websites
are not subject to our privacy standards, policies and procedures. You will need to contact or review
those websites directly to ascertain their privacy standards, policies and procedures.
Cookies
We may use cookies on our website. Cookies are small data files that are downloaded from our website
and stored on your computer when you visit our website. Cookies are used to allow us to see which pages
and what information is of most interest to visitors to our website, which in turn enables us to improve
our offerings to our customers. Your computer's web browser will allow you to configure your computer
to refuse to accept cookies. You can also delete cookies from your computer's hard drive at any time.
Gaining access to your personal information
You can gain access to your personal information. This is subject to some exceptions allowed by law.
We may refuse to provide you with access, such as where the information relates to existing or
anticipated legal proceedings, if the request is vexatious or if the information is commercially sensitive. If
access is refused, we will give you a notice explaining our decision to the extent practicable and your
options to make a complaint.
We ask that you provide your request for access in writing (for security reasons) and we will provide you
with access to that personal information.
We will provide you access within 30 days if it is reasonable and practicable to do so, but in some
circumstances it may take longer (for example, if we need to contact other entities to properly investigate
your request).
We do not usually charge you for access to your personal information. However, if the request is complex,
we may charge you the marginal cost of providing the access, such as staff costs of locating and collating
information or copying costs. If charges are applicable in providing access to you, we will disclose these
charges to you prior to providing you with the information.
Notifying you of certain data breaches
A data breach occurs when personal information held by us is lost or subjected to unauthorised access or
disclosure. If we suspect or know of a data breach, we will take immediate steps to limit any further
access or distribution of the affected personal information or the possible compromise of other
information.
When we have reasonable grounds to believe that a data breach is likely to result in serious harm – for
example identity theft, significant financial loss or threats to physical safety we will notify individuals at
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likely risk as soon as practicable and make recommendations about the steps they should take in
response to the data breach. We will also notify the Office of the Australian Information Commissioner.
Notifications will be made using our usual method of communicating with you such as by a telephone
call, email, SMS, physical mail, social media post, or in-person conversation. If we are unable to contact
you, (or your nominated intermediary) by any of the above methods we will publish a statement on the
front page of our website and place a public notice on our reception desk.
Resolving your privacy concerns
If you have any issues you wish to raise with us or would like to discuss any issues about our Privacy
Policy, please contact our Privacy Officer. Our Privacy Officer will investigate the issue and determine the
steps we will undertake to resolve your complaint. We will contact you if we require any additional
information from you and will notify you in writing within 30 days of the determination of our Privacy
Officer. If you are not satisfied with the outcome of your complaint, you are entitled to contact the Office
of the Australian Information Commissioner at:
Ph: 1300 363 992
e: enquiries@oaic.gov.au
Mail: GPO Box 5218
SYDNEY NSW 2001
You can learn more about the Privacy Act and your rights at www.privacy.gov.au
Contacting Us
Privacy Officer
14A Porter Street, Beaconsfield, WA 6162
1300 366 406
compliance@purplecfs.com.au
www.purplecfs.com.au
Updates
We may review and amend this Privacy Policy from time to time to address changes to laws and to reflect
our current operations and practices. You may obtain a copy of the current version on request.

About us
Licensee:
Purple Circle Financial Services Pty Ltd holds an Australian Credit Licence issued by the Australian Securities and
Investment Commission (ASIC). We conduct business through a network of finance brokers who are appointed as Credit
Representatives under our Licence. Purple Circle Financial Services Pty Ltd is responsible for the advice and conduct of
your finance broker as set out in this Credit Guide and will ensure they always act within your best interests.
Broker Group:
Purple Circle Financial Services Pty Ltd has a broker arrangement in place with Mortgage Specialists Pty Ltd (“broker
group”), ACN 050 601 093, Australian Credit Licence No. 387025. We obtain mortgage aggregation services from
the broker group.
Credit Representative:
A “Credit Representative” is a person who has been authorised by a credit licensee to engage in specified credit
activities on our behalf.
AUTHORISED CREDIT REPRESENTATIVE
Business name: Aegean Finance
Adviser: Danny Georgiadis
Credit Representative No: 579012
Email: danny@aegeanfinance.com.au
Phone: +61 421 115 169
Address: Level 27, 101 Collins Street, Melbourne VIC 3000
CREDIT LICENCEE DETAILS
Licensee Name Purple Circle Financial Services Pty Ltd “Us”
Australian Credit Licence Number (ACL) 486112
Licensee ABN 21 611 305 170
2. CREDIT GUIDE
Introduction
This Credit Guide (CG) provides you with important information about us and our Credit Representatives, who may
provide you with credit services described in the CG.
As well as giving you important information that will help you decide if you want to use any of these services, it
provides important information about:
• who we (Licensee and our Representatives) are;
• the credit services we offer to help you evaluate and make an informed decision about whether to use the
services described in this CG;
• the remuneration that we and relevant persons receive for the services;
• any arrangements which may influence our services to you;
• our Privacy Statement and
• how we handle your complaints if you are not satisfied with the services provided.
Credit Assistance
Our Credit Representatives are authorised to engage in credit activities including providing credit assistance on behalf
of Licensee. They can provide you with the following Credit Assistance:
• Give you information about loan/lease products or related services
• Consider whether you are eligible for a loan or lease or any related service you requested
• Suggest a suitable credit contract, an increase to your credit limit and/or that you retain your existing credit
contract
• Assist you to apply for a credit contract or an increase in your credit limit
• Recommend a suitable consumer lease or to retain your existing consumer lease
• Assist you to apply for a consumer lease.
Our Responsible Lending obligations to you
We are obliged to ensure that any loan or increase to a loan we help you to obtain or any lease we help you enter is
not unsuitable for you. To decide this, we will need to ask you some questions in order to assess whether the loan or
lease is not unsuitable, and within your best interests.
To make this assessment, we must make reasonable enquiries about your objectives and requirements and for the credit
contract or credit limit increase. We must also make reasonable enquiries about your financial situation and take
reasonable steps to verify this information.
It is important that the information you provide us is accurate, complete and up to date, as if we proceed on incomplete
or incorrect information, you may be in breach of your legal obligations to the lender.
We will not be able to give you Credit Assistance if our assessment shows that:
• you will not be able to meet the proposed repayments without substantial hardship, or
• the loan or lease will not meet your objectives and/or requirements.
We will prepare a written Statement of Credit Assistance. You can ask us for a copy of this Statement any time up to
seven years after we provide you with Credit Assistance. To request a copy please contact us.
We will provide you with a copy:
2• within seven business days after the day we receive your request, provided you make the request within seven
years of the date of the Preliminary Assessment, or otherwise
• within 21 business days after the day we receive your request.
We have an obligation under the Anti-Money Laundering and Counter Terrorism Finance Act 2006 to verify your
identity and the source of any funds. This means that we will ask you to present identification documents such as
passport and driver licence. We will also retain copies of this information. We cannot provide you with Credit
Assistance if you are unwilling to provide this information.
Conflicts of Interest / Related Companies
As a client, you may also be referred to any related or other company of which your broker may be a director or
representative of, such as Accounting, Financial Planning, Real Estate, Insurance or Property Development. These
industries operate under a different authorisation structure and the services provided are distinct from the services
provided under mortgage broking. There is no obligation to utilise the referred services offered by your broker and
you are welcome to compare services to those in the market prior to making any commitment.
Additionally, we may access various reports via our lenders such as credit or property reports. These services are
offered free to brokers and we believe it does not influence our recommendations.
If any potential conflicts are noted during the assessment of the information you provided, these will be outlined on the
Statement of Credit Assistance that will be provided to you prior to lodgement of your application to a lender.
Lenders and Lessors
Subject to meeting credit criteria, we will be able to assist you to obtain loans and leases from a broad range of
lenders and lessors through our broker group.
We may charge a fee for providing Credit Assistance. More detail about those fees will be set out in a Credit Quote
we will give to you before we provide you with Credit Assistance.
Other Fees and Charges
You may be charged a lender’s application fee, valuation fees and other fees associated with the loan or lease. These
fees are not charged by Purple Circle Financial Services Pty Ltd or our Credit Representative. You should review the
disclosure documents and your loan contract or lease for further details of any such fees and charges.
Commissions
Purple Circle Financial Services Pty Ltd has appointed a broker group as our agent to receive commissions from lenders
and lessors and to pay Purple Circle Financial Services Pty Ltd commission in relation to loan contracts or leases for
which we act as a Credit Representative and provide Credit Assistance. The total amount of commission Purple Circle
Financial Services Pty Ltd may receive in relation to your loan or lease may vary depending on the lender or lessor, the
term, the features, the amount of the loan or lease you ultimately choose and the amount and timing of the repayments
that you make. Some or all of a commission payment received by Purple Circle Financial Services Pty Ltd may be paid
to our Credit Representatives.
Loan contracts such as home loans, investment property loans
Upfront commission payable by lenders in relation to loans is calculated as a percentage of the loan amount and is
generally in the range of 0.5% and 1% of the loan amount. It is usually paid after settlement of the loan.
Trail commission payable by lenders in relation to loans is generally calculated regularly (monthly, quarterly, bimonthly or annually) on the outstanding loan balance and is paid in arrears. The trail commission payable by lenders is
generally in the range of 0% per annum and 0.30% per annum of the outstanding loan amount.
Personal Loans
Upfront commission payable by lenders in relation to personal loans is calculated as a percentage of the loan amount
and is generally in the range of between 1.65% and 2.75% of the loan amount. It is usually paid after settlement of
the loan.
No trail commission is payable by lenders in relation to personal loans.
Leases
Upfront commission payable by lessors in relation to leases is calculated as a percentage of the lease amount and is
generally in the range of 0.5% and 4% of the lease amount. It is usually paid after settlement of the lease. Trail
commission is generally not payable in relation to leases.
Further details of the commission earned by us will be included in the Statement of Credit Assistance disclosure
document we will provide to you at the same time as we provide you with Credit Assistance.
You can request information from us about the fees or commission that we are likely to receive, how they are
calculated, and our reasonable estimate of the fees or commissions that will be payable.
Volume Bonus Arrangements
From time to time Purple Circle Financial Services Pty Ltd, our Credit Representatives (or our broker group) may receive
a benefit, directly by way of cash bonus or additional commissions or indirectly by way of training, professional
development days or sponsorship, if we or our broker group write a particular volume of loans offered by those
lenders.
4Referral Fees
We may pay a referral fee (i.e. commission) for third party referrals. An example of a referrer would be a real
estate agent, financial planner, accountant or solicitor. This fee is not payable by you.
Further information about referral fees, including our reasonable estimate of the amount of any fees payable and how
it is calculated is available from us on request and will be included in the Statement of Credit Assistance document we
will supply to you when we provide you with Credit Assistance.
Purple Circle Financial Services Pty Ltd and our Credit Representatives may also receive a benefit for referring you to
other specialist service providers. We will disclose this to you at the time we make the referral.
Ownership
The broker group provides arm’s-length services to our business which include IT systems, loan information and
lodgement systems, training and development, commission processing, conferences and professional development
events, and assistance with regulatory and compliance obligations. In consideration of the services the broker group
gives us, we pay fees to the broker group or the broker group retains some of the commission our panel lenders pay
on loans we arrange.
Our business is owned and managed independently from the broker group.
Our Dispute Resolution procedures
We are committed to providing you with the best possible service. If, at any time, we have not met our obligations, or
you have a complaint about any of our services, please inform us so we can work towards a resolution. We will
endeavour to deal with your complaint promptly, thoroughly and fairly.
If you have a complaint, try to resolve this first with our Credit Representative. If you are unable to resolve your
complaint within five (5) business days, you can contact our Complaints Manager using any of the following methods.
In writing: 14A Porter Street, Beaconsfield, WA 6162, Australia
Phone: 1300 366 406
email: compliance@purplecfs.com.au
We may ask for additional information and request you to put your complaint in writing to ensure your issue is
properly investigated. In cases where your complaint will take longer to resolve, we will update you progressively.
Our Complaints Manager will acknowledge receipt of your complaint within 24 hours. If unable to resolve the
complaint/dispute to your satisfaction within five (5) business days, they will write to you advising the procedures we
will follow in investigating and handling your complaint.
Within 30 calendar days from the date you lodged the complaint with us, we will write to you advising you the
outcome of the investigation and the reason/s for our decision, or if required, we will inform you if more time is needed
to complete the investigation.
Third Party Products or Services
If your complaint relates to a product or service acquired through a third party (for example, a lender) we may ask
you to contact the relevant third party. It will deal with your complaint under its complaint’s resolution process.
If you are not satisfied with the resolution of your complaint by the third party under its complaint’s resolution process,
you are entitled to have your dispute considered by its External Dispute Resolution Scheme. Please contact the third
party for further details.
5External Dispute Resolution Scheme
If you do not think we have resolved your complaint to your satisfaction, you may take the matter – free of charge – to
our External Disputes Resolution Scheme (provided it is within the Scheme’s terms of reference) as detailed below,
however if our internal process is still in progress, it may request that our internal processes be complete before
considering the matter further.
Our external dispute resolution service provider is the Australian Financial Complaints Authority which can be contacted
via:
Telephone: 1800 931 678 (free call)
Website: http://www.afca.org.au
Mail Address: GPO Box 3, Melbourne, VIC 3001
Fax: 03 9613 63996
3. PRIVACY STATEMENT
Privacy Statement
We need to collect personal information about you to provide you with our broking and related credit services. This
privacy statement tells you how we collect your information, what we use the information for and with whom we share
the information. If we collect information that can be used to identify you, we will take reasonable steps to notify you
of that collection. In certain circumstances, we may also be required to collect sensitive information (such as health
information) on behalf of the lender in the course of giving you credit assistance.
How information is collected from you
We will collect your information from you directly whenever we can, including enquiries we make of you when you
seek credit assistance from us. We may verify that information from sources referred to in the responses to those
enquiries or in this privacy statement.
How information is collected from other sources
Sometimes we will collect information about you from other sources as the Privacy Act 1988 permits.
We will do this only if it is reasonably necessary to do so, for example, where:
• we collect information from third parties about a loan or lease in relation to which you seek our services;
• we cannot get hold of you and we rely on public information to update your contact details, or
• we exchange information with your legal or financial adviser or other representatives.
When the law authorises or requires collection of information
We may use your information for purposes including:
• Giving you Credit Assistance,
• Giving you information about loan products or related services,
• Considering whether you are eligible for a loan or lease or any related service you requested,
• Assisting you to prepare an application for a lease or a loan,
• Administering services we provide, for example, to answer requests or deal with complaints,
• Identifying you,
• Telling you about other products or services we make available and that may be of interest to you, unless you
tell us not to,
• Telling you about other suppliers, with whom we have arrangements, that supply goods or services that may be
of interest to you,
• Allowing us to run our business efficiently and perform general administrative tasks,
• Preventing or investigating any fraud or crime or any suspected fraud or crime,
• As required by law, regulation or codes binding us, and
• Any purpose to which you have consented.
You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your
request as soon as practicable.
What happens if you do not provide information?
If you do not provide your information to us, it may not be possible to:
• assist in finding a loan or lease relevant to your circumstances,
• verify your identity or protect against fraud, or
• let you know about products or services that might be suitable for your financial needs.
7Sharing Your Information - General
We may use and share your information with other organisations for any purpose described above.
Sharing with your representatives and referees
We may share your information with:
• your representative or any person acting on your behalf (for example, lawyers, settlement agents, accountants,
or real estate agents), and
• your referees, such as your employer, to confirm details about you.
Sharing with third parties
We may share your information with third parties in relation to services we provide to you or goods or services in
which we reasonably consider you may be interested. Those third parties may include:
• the broker group through which we may submit loan or lease applications to lenders or lessors on the broker
group’s panel. You can view our broker group’s privacy notice by clicking HERE or by visiting
https://www.specialistfinancegroup.com.au/privacy-dispute-policies It sets out how that broker group manages
your personal information and where you can find its privacy policy’
• organisations which provide other products or services to you or to whom an application or referral has been
made for those products and services,
• our Licensee,
• referrers that referred your business to us,
• financial services suppliers with whom we have arrangements,
• valuers,
• lenders, lessors, lender’s mortgage insurers and other loan or lease intermediaries,
• organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected
fraud, crimes, suspected crimes, or other misconduct,
• Government or regulatory bodies as required or authorised by law. In some instances, these bodies may share
the information with relevant foreign authorities,
• guarantors and prospective guarantors of your loan or lease,
• service providers, agents, contractors, and advisers that assist us to conduct our business for purposes including,
without limitation, storing or analysing information, mentoring/education and training as applicable,
• any organisation that wishes to take an interest in our business or assets, and
• any third party to which you consent to us sharing your information.
Sharing outside of Australia
From time to time, we may use overseas organisations to help conduct our business. As a result, we may need to share
some of your information (including credit information) with such organisations outside Australia. It is not always
practicable to know in which countries those organisations are located.
Similarly, we may store your information in cloud or other types of networked or electronic storage.
As electronic or networked storage can be accessed from various countries via an internet connection, it’s not always
practicable to know in which country your information may be held.
If your information is stored in this way, disclosures may occur in countries other than those listed.
Overseas organisations may be required to disclose information we share with them under a foreign law.
In those instances, we will not be responsible for that disclosure.
Information about other people
If you give information to us about another person (such as your co-applicant) in relation to the services we provide,
you will let that other person know that:
8• we have collected their information to provide those services or for any other purpose set out in this privacy
notice,
• we may exchange this information with other organisations set out in this privacy notice,
• we handle their personal information in the way set out in our Privacy Policy and this privacy notice and they
can:
o access or request a copy of that privacy policy or this privacy statement, or
o access the information we hold about that other person,
o by using our contact details above, and
o we may not be able to provide those services to you unless we obtain their information.
Feedback on the handling of your personal information
Should you be dissatisfied with how the Credit Representative has handled your personal information, please contact
us using the details listed above. We will take all necessary steps to investigate and address your concerns. If the issue
you have raised is not resolved to your satisfaction, you should contact the Office of the Australian Information
Commissioner at:
Telephone: 1300 363 992
email: enquiries@oaic.gov.au
Mail address: GPO Box 5218, SYDNEY, NSW 2001
You can obtain a copy of our full Privacy Policy by contacting us using the details above. You can learn more about the
Privacy Act and your rights at http://www.privacy.gov.au
Privacy Policy
You can find out more about how we manage your information by reading our Privacy Policy available by contacting
us. Please see our contact details above. Also, you can read and obtain a copy of our Privacy Policy at the website
address set out above. Our Privacy Policy sets out how you can ask us to access and seek to correct information we
hold about you and how you may complain against us about a privacy issue.
By doing business with us you agree that we may collect, use and disclose your information as specified below
unless you have explicitly withdrawn your consent.
Consent to provide your personal information to a credit reporting body (CRB)
You authorise us to act as an access seeker within the meaning of section 6L of the Privacy Act to seek and obtain
credit information on your behalf for the purposes of establishing which product is most suitable for your requirements
and circumstances.
If we act as your agent to obtain a report or information about your consumer or commercial credit worthiness from a
CRB, we may disclose personal information such as your name, date of birth, and address to the CRB to obtain an
assessment of whether that personal information matches information held by it. Credit information includes information
such as your identity information, the type, terms and maximum amount of credit provided to you, repayment history
information, default information (including overdue payments), court information, new arrangement information,
personal insolvency information, disciplinary proceedings, complaints, delinquency, fraud investigations and details of
any serious credit infringements.
Consent to receive marketing information
We may periodically provide you with information about new products and services available from us or from other
businesses with whom we have a relationship. Your consent to our providing this information to you will be implied
unless you notify us that you do not wish to receive this information.
9Consent to receive documents electronically
You consent to us providing you with documents by electronic communication, you confirm that paper documents may no
longer be given and electronic communications must be regularly checked for documents. Consent to the giving of
documents by electronic communication may be withdrawn at any time.
Consent to being recorded by video or audio conferencing
You consent to us obtaining personal information, financial information and credit information about you by video or
audio conferencing for the purpose of arranging credit, providing credit assistance and give your permission for that
video or audio conference to be recorded for this purpose.

If, for any reason, you do not feel that you have received the highest standard of care from us, we likewise encourage you to share
this with us. We have in place a process that we believe makes it easy for you to tell us your concerns and for them to be addressed
quickly and fairly.
You can contact us by whichever of the following means best suits you:
Complaints Handling Officer
Phone: +61 421 115 169
danny@aegeanfinance.com.au
If you choose to contact us by mail or email, please make sure you provide as much detail as possible about your complaint. We will
acknowledge receipt of your complaint and confirm that the matter is being investigated. Once our investigation is complete, we will
provide you with a detailed response in writing that includes the results of our investigation and the reason/s for our decision.
Third Party Products or Services:
If your complaint relates to a product or service acquired through a third party (for example, a lender) we may ask you to contact
the relevant third party. They will deal with your complaint under their complaint resolution process.
If you are not satisfied with the resolution of your complaint by the third party under their complaint resolution process, you are
entitled to have your dispute considered by their External Dispute Resolution Scheme. Please contact the third party for further
details.
Need an update on your complaint?
If you have lodged a complaint with us, you can contact us at any time to ask for an update on its status. Contact us through any of
the methods listed above and please be sure to refer to your earlier communication so that we can respond effectively.
Resolution
We will try to resolve your complaint immediately. However, if this is not possible, we will ensure we treat you fairly and will work
to resolve your complaint as soon as possible. Wherever possible, we will aim to provide our formal response to you within two
weeks of receiving your complaint. In the rare event that we are still investigating your complaint after 45 days, we will write to you
to explain why and to let you know when we expect to have completed our investigation.
Taking it further
We hope that you will be satisfied with how we deal with your complaint. However, if your concerns remain unresolved, or you have
not heard from us within 45 days, you can have your complaint heard by an independent party, the Australian Financial Complaints
Authority (AFCA). You can contact AFCA at:
1800 931 678 (free call)
Australian Financial Complaints Authority GPO Box 3 Melbourne, VIC 3001
www.afca.org.au
WHAT TO DO IF YOU HAVE A DISPUTE OR COMPLAINT?We love hearing positive feedback, but if you do have a complaint, please
let us know so we can work towards resolving it promptly and fairly.
You can make a complaint verbally or in writing by contacting your broker directly or by using any of the following
• Email: compliance@purplecfs.com.au
• Phone: 1300 366 406
• Mail: Complaints Officer, Purple Circle Financial Services, 14A Porter Street, Beaconsfield, WA 6162, Australia
External Dispute Resolution Scheme If we do not reach an agreement on your complaint, you may refer the complaint to an ASIC
Approved External Dispute Resolution (EDR) Scheme. Our external dispute resolution provider is the Australian Financial
Complaints Authority(AFCA).
You can contact AFCA using any of the following:
• Online: www.afca.org.au
• Email: info@afca.org.au
• Telephone: 1800 931 678 (toll free)
• Mail: GPO Box 3, Melbourne Vic 3001
External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific
complaints. You may refer the matter to AFCA at any time, but if our internal process is still in progress, they may request that our
internal processes be completed before considering the matter further. You can obtain further details about our dispute resolution
procedures and obtain details of our privacy policy on request.
DISCLAIMERThe information provided on this site is on the understanding that it is for illustrative and discussion purposes only.
Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own
enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances.
Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only
Aegean Finance PTY LTD
Copyright ©
Credit Representative Number 579012 Aegean Finance ABN 74698079266. Is a credit representative of Purple Circle Financial
Services Pty Ltd ABN 21 611 305 170 Australian Credit Licence Number 486112
Contact
Phone: +61 421 115 169
Email: danny@aegeanfinance.com.au

WEBSITE TERMS AND CONDITIONS – CREDIT REPRESENTATIVE
Please read these terms and conditions carefully.
By accessing this website, you agree to be bound by the terms and conditions below.
Copyright
Copyright in the information contained in this site subsists under the Copyright Act 1968 (Cth) and, through international treaties,
the laws of many other countries. It is owned by us unless otherwise stated. All rights reserved. You may download a single copy of
this document and, where necessary for its use as a reference, make a single hard copy. Except as permitted under the Copyright
Act 1968 (Cth) or other applicable laws, no part of this publication may be otherwise reproduced, adapted, performed in public or
transmitted in any form by any process (graphic, electronic or mechanical, including photocopying, recording, taping or by storage
in an information retrieval system) without our specific written consent.
General Advice Warning
The advice contained on this site does not take into account any persons particular objectives, needs or financial situation. Before
making a decision regarding the acquisition of a Credit Product, persons should assess whether the advice is appropriate to their
objectives, requirements or financial situation. We recommend you obtain advice before acting upon any of the information on this
site. No responsibility is taken for persons acting on the information on this site. Persons doing so, do so at their own risk.
Calculators and Assumptions
Any calculators available on the site are designed to give you some examples of different financial scenarios, based on stated
assumptions and the figures you input. The calculations are intended as estimates only and they are not meant to be kept or used
for any practical purpose, or as a substitute for professional financial advice. Any calculators or information provided on our
websites are provided for your convenience only and do not constitute either credit or financial advice. Information on our websites
has been prepared without consideration of your particular circumstances and should be viewed as generic information only and
not as indicating that you should follow a particular course of action. While we have based the information on sources that we
believe are reliable and accurate, your actual outcomes will depend on a range of factors outside of our control. You should not rely
on these calculators when you are making decisions about lending and/or financing. Instead, you should consider obtaining credit
advice from an Authorised Credit Representative.
Links to Third Party Sites
Our website may contain links to external websites. While such links are provided for your convenience, you should be aware that
the information handling practices of the linked web sites might not be the same as ours. The links do not constitute endorsement
of material at those sites or any associated organisation product or service. These external information sources are outside our
control. It is the responsibility of users to make their own decisions about the accuracy, currency, reliability and correctness of the
information at those sites. By accessing information at or through this site each user waives and releases us to the full extent
permitted by law from any and all claims relating to the usage of the material made available through the website. In no event shall
we be liable for any incident or consequential damages resulting from use of the material. Each website will have its own privacy
policy and security standards and you should check these as we cannot confirm what standards these third party websites may
adopt.
Terms of Use/Governing Law
The information in this site has been prepared in accordance with Australian law for the supply of goods and services. This notice
and the information in this site and all matters relating to either are governed by and are to be construed according to the laws
applicable in the State of Western Australia and the Commonwealth of Australia ("Australian law"). The information may not satisfy
the laws of any other country. It is not directed at people in any other country and should not be relied on by people in any country
other than Australia. The information in this site is current at the date of publication but may be subject to change.
Limitation of liability
We do not warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use.
We recommend that you seek independent advice before acting on any information in this site. Subject to any terms implied by law
and which cannot be excluded, we accept no responsibility for any loss, damage, cost or expense (whether direct or indirect)
incurred by you as a result of any error, omission or misrepresentation in any information on this site.