What is this Privacy Policy for?
This privacy policy is for this website and governs the privacy of its users who choose to use it.
The policy sets out the different areas where user privacy is concerned and outlines the obligations & requirements of the users, the website and website owners. Furthermore the way this website processes, stores and protects user data and information will also be detailed within this policy.
The Website
This website and its owners take a proactive approach to user privacy and ensure the necessary steps are taken to protect the privacy of its users throughout their visiting experience.
Use of Cookies
This website uses cookies to better the users experience while visiting the website. Where applicable this website uses a cookie control system allowing the user on their first visit to the website to allow or disallow the use of cookies on their computer / device. This complies with recent legislation requirements for websites to obtain explicit consent from users before leaving behind or reading files such as cookies on a user’s computer / device.
Cookies are small files saved to the user’s computers hard drive that track, save and store information about the user’s interactions and usage of the website. This allows the website, through its server to provide the users with a tailored experience within this website. Users are advised that if they wish to deny the use and saving of cookies from this website on to their computers hard drive they should take necessary steps within their web browsers security settings to block all cookies from this website and its external serving vendors.
This website uses tracking software to monitor its visitors to better understand how they use it. This software is provided by Google Analytics which uses cookies to track visitor usage. The software will save a cookie to your computers hard drive in order to track and monitor your engagement and usage of the website, but will not store, save or collect personal information. You can read Google’s privacy policy here for further information [ http://www.google.com/privacy.html ].
Other cookies may be stored to your computers hard drive by external vendors when this website uses referral programs, sponsored links or adverts. Such cookies are used for conversion and referral tracking and typically expire after 30 days, though some may take longer. No personal information is stored, saved or collected.
Contact & Communication
Users contacting this website and/or its owners do so at their own discretion and provide any such personal details requested at their own risk. Your personal information is kept private and stored securely until a time it is no longer required or has no use, as detailed in the accordance with the National Privacy Principles contained in the Privacy Act 1988 (Cth). The National Privacy Principles will apply from their introduction on 21 December 2001. Every effort has been made to ensure a safe and secure form to email submission process but advise users using such form to email processes that they do so at their own risk.
This website and its owners use any information submitted to provide you with further information about the products / services they offer or to assist you in answering any questions or queries you may have submitted. This includes using your details to subscribe you to any email newsletter program the website operates but only if this was made clear to you and your express permission was granted when submitting any form to email process. Or whereby you the consumer have previously purchased from or enquired about purchasing from the company a product or service that the email newsletter relates to. This is by no means an entire list of your user rights in regard to receiving email marketing material. Your details are not passed on to any third parties.
Email Newsletter
This website operates an email newsletter program, used to inform subscribers about products and services supplied by this website after submitting their details. Users can subscribe through an online automated process should they wish to do so but do so at their own discretion. Some subscriptions may be manually processed through prior written agreement with the user.
Collecting Personal Information
We may collect personal information from you through our branches and through our consultants and business partners when interviewing you or from our website in our online forms.
Collecting Personal Information about you
We collect personal information about you to enable us to assess your suitability and eligibility for obtaining a home and investmentproperty loan and purchase a property. The types of personally identifiable information we may collect include your name, address, telephone number, email, occupation and financial information.
When we request your personal information, we will endeavor to specify which information we require for our purposes and which information may be provided at your option. You may choose not to supply any optional information requested by us but our ability to assist you may be restricted.
How we use your Personal Information to Assist us in
Conducting our business, for example, in determining whether you may qualify for the purchase of an investment property; Completing a transaction to which the provision of that personal information relates, for example, in the completion of loan application forms; To communicate information about our products and services to you;
For our internal administrative, marketing, planning, product development and research requirements.
At any time you may opt out of receiving any communications from us (other than as required for the operation of our business). If you wish to opt out of receiving communications from us please either contact your consultant or our Privacy Officer whose contact details are set out later in this policy.
Disclosure of your Personal Information
We do not sell our clients list to third parties. We will not disclose personal information about you to any person outside the Group except on a confidential basis to our approved panel of builders, lenders and agents that we may use in the ordinary operation of our business, such as for data processing, printing or mailing. These third parties are strictly prohibited from using your personal information for any other purpose. We will only disclose to these third parties that information necessary for them to perform their services. Otherwise we do not disclose personal information unless we are required to do so by law or regulation.
Accessing your Personal Information Held
At any time, you may ask us to provide you with a list of the personal information we hold about you, and copies of that personal information. We will endeavor to provide you with the data within 30 days of receiving your request. We may charge you a small fee to cover any administrative costs that we may incur in providing personal information to you.
If you believe for any reason that we are holding inaccurate or incomplete data about you, you may ask us to correct it. We will consider if the information requires amendment. If we do not agree that there are grounds for amendment, then we will add a note to the personal information stating that you disagree with it.
Financial information becomes out of date very quickly and so we may update that information if it is required in any future dealing we may have with you.
Storage and Security of your Personal Information
We take all reasonable steps to secure and protect your personal information from misuse, loss, unauthorised access, modification or exposure. We require all staff and consultants to maintain the confidentiality of customer information. Access to information stored electronically is restricted to employees and consultants whose job requires access to the information. Access to our computer systems is restricted through password protection.
Contacting us and Feedback
You can make any requests relating to your personal information held by us or any complaints regarding treatment of your privacy by contacting us on our customer enquiry number.
Future Changes
We may change this privacy policy from time to time to comply with new laws or codes of practice which may be developed. We may also change this policy to include any new products or services we may provide from time to time. This policy was last updated in Sep 2016.