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Privacy

About this Privacy Policy

This Privacy Policy applies to Princeton Financial Services Pty Ltd ACN 160 484 551 and Princeton Securities (NSW) Pty Ltd ACN 162 219 794 (“Princeton”, “we”, “us” or “our”).

This policy document describes how we manage your personal information. It describes the nature of the personal information held, the purpose for which it is held and the manner in which is it collected and distributed.

  1. The Australian Privacy Principles

The privacy of your personal information is important to us. We are committed to respecting your right to privacy and to protecting your personal information. We are bound by the Privacy Act 1988 (Cth), including the Australian Privacy Principles (“APPs”), and any other applicable laws and codes affecting your personal information.

  1. Collecting personal information about you

The kinds of personal information we collect and hold

We only collect personal information that is reasonably necessary for us to perform our functions and activities which consist of the origination, assessment and administration of loans and related activities as well as processing applications for investment in one of our trusts. The kind of personal information we collect and hold will depend upon your dealings with us and the circumstances in which it was collected, but may include:

  • Information you provide to us when you apply for units in one of our unit trusts or a loan or when you offer to guarantee a loan. This information will include your name, date of birth, address (both postal and email,) contact details, and, if applicable, identification information relevant to applications requiring compliance with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) (AML/CTF Act). For this purpose, from 31 March 2026, we record only the minimum information necessary to verify your identity and do not retain copies of identity documents themselves. Full copies of identity documents collected before that date may be retained for the applicable statutory retention period.
  • Financial information about you such as your financial position and details of your salary or wage, and information obtained from credit checks carried out during the loan approval process (but only if you have authorised such checks to be carried out.)
  • Information about the progress of any loan provided to you, or which you have guaranteed, including your communications with us.

We may collect personal information from you in a variety of ways. For example, this may include collection through electronic or hard copy formats, applications or forms, our website (including information submitted through online enquiry or contact forms), or other interactions with you.

In certain cases we may collect your personal information from third parties. For example, we may need to collect personal information from a credit reporting body, your representative (such as a legal adviser), your financial adviser, any publicly available sources of information, industry databases and directories, or from any of the other organisations identified  below under “Using and Disclosing Your Personal Information”.

  1. Using and disclosing your personal information

The purposes for which we collect and hold personal information and how we use and disclose it

We respect your privacy.  Any personal information that we collect about you will be used by us to assess your application for investment into one of our unit trusts or a loan or offer to provide a guarantee on a loan, and to facilitate the provision and administration of loans and related activities.

In order to do this, we may disclose your personal information to:

  • professional advisers such as solicitors, accountants and valuers;
  • Financial planners;
  • mortgage insurers;
  • underwriters;
  • government agencies, including AUSTRAC and its partner agencies, as required under the AML/CTF Act, as well as agencies that administer land titles and revenue or (where applicable) foreign investments;
  • credit reporting agencies and mercantile agents;
  • external auditors; and
  • other organisations that participate in funding, providing and administering your loan or the loan you have guaranteed, such as the trustee of the fund from which the loan is sourced.

We may also use your personal information to provide you with information about other products, services offered or distributed by us and special offers. To do that we may disclose your information to our service providers. If you do not wish to be kept informed, please let us know when we contact you.

We also disclose personal information to organisations to which we outsource functions, such as mailing and printing houses, IT providers, mortgage servicers, unit registry and custodian service providers and other organisations that assist us to service and administer your loan or the loan you have guaranteed.(if applicable)

Overseas disclosure

We are not likely to disclose your personal information to overseas recipients outside Australia.

  1. Access to your personal information

Under APPs 12 and 13, you have a right to request access to personal information that we hold about you and to request its correction. We will handle requests for access to your personal information in accordance with the APPs. See more information in the attached ‘Privacy Policy Statement’.

  1. Protecting your personal information

Your personal information is held by us in various forms, including paper and electronic form. The protection of your personal information is important to us. We take reasonable steps to protect your personal information held by us from unauthorised access, modification or disclosure and from loss, misuse or interference. These steps include technical and organisational measures. For example:

  • confidentiality requirements for our employees
  • security measures for IT systems access
  • physical access restrictions for our buildings

We take reasonable steps to destroy or de-identify your personal information when it is no longer needed and we are not legally required to retain it. In respect of personal information collected for AML/CTF compliance purposes, we retain that information for seven years following the end of the relevant business relationship (or such other period as required under the AML/CTF Act), after which reasonable steps are taken to destroy or de-identify it.

  1. What to do if you would like more information about how we manage your personal information or wish to complain about a breach of your privacy

If you would like more information about the way we manage your personal information or are concerned that we may have breached your privacy and wish to make a complaint, please contact us by phoning (02) 9231 1275 or by writing to us at level 12, 32 Martin Place Sydney NSW 2000. See further information in the attached ‘Privacy Policy Statement’.

  1. Changes to our Privacy Policy

From time to time it may be necessary for us to review and revise our privacy policy.  We reserve the right to change our privacy policy at any time.  We may notify you of any change to our privacy policy by any means we choose including by email, by other electronic communication, by sending you a revised copy or by otherwise informing you that a revised copy of our privacy policy is available on request.

PRIVACY POLICY STATEMENT

We Respect Your Privacy

We treat your privacy seriously. This Privacy Policy describes how we treat personal information received about you from either our website (if applicable) or otherwise.  This Privacy Policy applies to all our services whether offered on our website (if applicable) or otherwise.

This statement details our policy on collecting, disclosing, accessing and securing your personal information in accordance with the provisions of the Privacy Act 1988, as amended and the Australian Privacy Principles contained within the Privacy Act. Personal information means any details, information or opinion about you, from which your identity is apparent or your identity can be reasonably ascertained. If you have any questions relating to this document, please contact us.

By accessing or using any part of our website, you agree to be bound by this Privacy Policy.  By using our website (if applicable), you agree that if you provide your personal information to us, we may maintain a record about you and that you agree to us using “cookies” on your browser (refer below for information). Your agreement to this Privacy Policy;

  • constitutes an acknowledgement of its terms and an authorisation for us to deal with and disclose any personal information provided to us in the way specified below; and
  • constitutes an authority for any representative to whom you have provided personal information to deal with and disclose any information you provide to that representative to us in the way specified below.

Please note that we may make content or services from other websites available to you from links located on our site (if applicable). These other websites are not subject to this Privacy Policy. We recommend that you review the Privacy Policy at each such website to determine how the operator of that site will protect your privacy.

Collecting Personal Information About You

We will only collect personal information from you for authorised purposes. The kinds of personal information we collect and hold will depend upon your dealings with us and the circumstances in which it was collected, but may include information:

  • You provide to us when you apply for a loan or when you offer to guarantee a loan. This information will include your name, address and contact details, and, if applicable, information to comply with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). For this purpose, we record only the minimum information necessary to verify your identity and do not retain copies of identity documents themselves.
  • About you such as your financial position and details of your salary or wage and information obtained from credit checks carried out during the loan approval process (but only if you have authorised such checks to be carried out).
  • About the progress of any loan provided to you, or which you have guaranteed, including your communications with us.
  • You apply for investment units in one of our trusts.

You do not have to provide us with personal information if you do not wish to do so. However, if you choose not to provide us with any requested information, we may not be able to assist you with our products or services.

We may, and you authorise us to obtain information about you from government databases and credit reporting agencies. We collect that information about you to provide services to you and to procure credit for you and no law compels us to collect any of that information. We might also choose to make such enquiries or request such documents as we consider necessary in order to assist any application for finance you make. You authorise us to make enquiries or request any documents, including, without limitation, contacting your employer for confirmation of your employment details.

If you do not provide us this information or authorise us to obtain this information, we will not be able to assist you in procuring the services and/or credit you require.

Cookies

If you visit or use our website, we may collect certain information through cookies or other tracking technologies (including technologies provided by third-party providers) to maintain our website, understand how our website is used and improve your website user experience. Cookies are small text files placed on your device. Cookies may collect information about your use of the website or identifiers, such as your IP address. Some of this information may constitute personal information. You may be able to control the use of cookies through your browser settings.

Where Is This Information Stored?

Your personal information will be stored in physical or electronic formats by us or by third party storage providers. We may store this information on cloud-based databases.

Disclosing Your Personal Information

Any personal information that we collect about you will be used by us to:

  • Process an application for units in one of our investment trusts.
  • Assess any application for any loan or offer to provide a guarantee which you make now or in the future, and/or to facilitate provision and administration of loans and related financial services. In order to do this, we may disclose your personal information to professional advisers such as solicitors, accountants and valuers, mortgage insurers and underwriters that have or may have an interest in your loan or in our business; government agencies, including AUSTRAC and its partner agencies as required under the AML/CTF Act, as well as agencies which administer land titles and revenue or (where applicable) foreign investments; credit reporting agencies and mercantile agents; external auditors; and other organisations which participate in funding, providing and administering your loan or the loan you have guaranteed, such as the trustee of the Fund from which the loan is sourced.

We will also use your personal information to keep you informed about other products and services or special offers. If you do not wish to be kept informed, please let us know when we contact you.

We may also disclose personal information to organisations to which we outsource functions, such as mailing and printing houses or IT providers, mortgage servicer organisations and unit trust registry and custody service providers assisting us to service and administer your investment and or loan or the loan you have guaranteed.

You agree that we may also do any of the following at any time:

  • Seek and use consumer credit information about you to assess an application for commercial credit.
  • Seek from and use or give to another credit provider (including without limitation any other credit provider who has lent money on the same security) any information about your creditworthiness, credit standing, credit history or credit capacity. In particular, we may provide a bank opinion on you.
  • Seek from, use and give any consumer or commercial credit information to brokers, financial consultants, accountants, lawyers or other advisers acting in connection with any financing provided to or proposed to be provided to you.
  • Give a credit reporting agency personal or commercial information about you. The information may include identity particulars; the fact that credit has been applied for, and the amount; the fact that we are a current credit provider to you; details of payments which have been overdue for more than 60 days, and for which action has commenced; advice that payments are no longer overdue; advice that cheques drawn by you have been dishonoured more than once; in specified circumstances that in our opinion, you have committed a serious credit infringement; and the credit provided to you by us has been paid or otherwise discharged.
  • Disclose or report any personal information about you to another person in connection with funding financial accommodation by means of any arrangements involving securitisation.
  • Provide information to any person who proposes to guarantee or has guaranteed repayment of any credit provided to you.
  • You also acknowledge that our business associates, including financiers, mortgage insurers, introducers, brokers, insurance agents, solicitors, accountants, valuers or underwriters may disclose information about you for the purposes stated above.

Access, Correction, Deletion and Complaints

If you wish to access, correct or delete details of personal information we hold about you, are concerned that we may have breached your privacy or you wish to make a complaint to us about how we have handled your personal information, please contact our Privacy Officer at the address below. The responsibility of acting as Privacy Officer is held by the Company Secretary.

            Attention: Craig Anderson

            The Privacy Officer

            Princeton Financial Services Pty Ltd

            Level 2, 17 Castlereagh Street

            Sydney NSW 2000

Requests relating to personal information may also be submitted by email using the following addresses:

Borrowers: enquire@princetonfs.au

Investors: invest@princetonfs.au

If for legal reasons we are required to keep your personal information and not make a correction or deletion, we will place with the disputed information a statement from you claiming that the disputed information in your opinion is not accurate, complete or up to date.

We may charge a fee for the provision of personal information to cover our costs. Any fee involved will be advised when a request is made.

If you make a complaint to us, we will investigate the complaint and determine what actions (if any) should be taken to resolve the complaint. We will aim to notify you of the outcome of our investigation within 30 days of receiving your complaint.

If you are not satisfied with the result of your complaint to us, you can refer your complaint to the Office of the Australian Information Commissioner (“OAIC”) on telephone number 1300 363 992, online at www.oaic.gov.au, or in writing to the OAIC, GPO Box 5288, Sydney NSW 2001.

Changes to Our Privacy Policy

We reserve the right to change our Privacy Policy at any time.  The amended Privacy Policy will apply between us whether or not we have given you specific notice of any amendment.