Privacy Policy
How we handle your information
Four Pillars Finance Pty Ltd trading as NJS Financial (Credit Representative No. 544417) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, store, and protect your information.
Collection And Use Of Your Information
Information We Collect
We collect personal information that you provide to us when:
- You submit an enquiry through our website
- You apply for a loan or financial service
- You communicate with us via phone, email, or in person
- You use our calculators or tools
- You subscribe to our newsletter
This information may include your name, contact details, employment information, financial details, and other information necessary to assess your loan application and provide our services.
How We Use Your Information
We use your personal information to:
- Assess your eligibility for financial products
- Submit loan applications to lenders on your behalf
- Communicate with you about your enquiries and applications
- Provide ongoing service and support
- Comply with legal and regulatory requirements
- Improve our services and website
- Send you relevant marketing communications (with your consent)
How We Protect Your Data
We take the security of your personal information seriously and implement appropriate measures to protect it from unauthorized access, disclosure, alteration, or destruction.
Our Security Measures Include:
- Secure data storage with encryption and access controls
- Secure transmission of data using SSL/TLS encryption
- Regular security assessments and updates
- Staff training on privacy and data protection
- Strict confidentiality agreements with staff and partners
- Compliance with Australian Privacy Principles
Disclosure Of Information
We may disclose your personal information to:
- Lenders and financial institutions for the purpose of assessing and processing your loan application
- Our aggregator, Finsure Finance & Insurance Pty Ltd (Australian Credit Licence No. 384704)
- Service providers who assist us in operating our business (e.g., IT providers, marketing services)
- Professional advisors such as lawyers and accountants
- Government agencies and regulators as required by law
- Credit reporting bodies in accordance with credit reporting legislation
We will not sell your personal information to third parties.
Your Rights
Under the Privacy Act 1988 and the Australian Privacy Principles, you have certain rights regarding your personal information:
- Access: You can request access to the personal information we hold about you
- Correction: You can request that we correct any inaccurate or incomplete information
- Complaints: You can lodge a complaint if you believe we have breached your privacy
- Opt-out: You can opt out of receiving marketing communications at any time
Cookies And Website Analytics
Our website uses cookies and similar technologies to enhance your browsing experience and help us understand how our website is used. These technologies may collect:
- Your IP address and browser type
- Pages you visit on our website
- Time spent on our website
- Referring website addresses
You can manage cookie preferences through your browser settings. Note that disabling cookies may affect the functionality of our website.
Contact Us
If you have any questions about this Privacy Policy, wish to access or correct your personal information, or want to make a complaint, please contact us:
NJS Financial
Suite 180, Level 24, 3 International Towers
300 Barangaroo Avenue, Sydney NSW 2000
Phone: +61 468 474 880
Email: info@njsfinancial.com.au
If you are not satisfied with our response to your complaint, you can contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
Last Updated: December 2024
We may update this Privacy Policy from time to time. We encourage you to review this page periodically for the latest information on our privacy practices.