Finmortg Brokers understands that the details you provide us with are not only private and personal but that how we collect, use, hold, exchange and protect your information is important to you. It’s imperative that you feel secure whenever you deal with us. It’s also vital that you understand how we protect your privacy, as well as how, when and where we may use your personal information. This Privacy Policy is our commitment to you on what our policies towards your privacy are. You can be confident in the fact that we abide by and are bound by the Privacy Act and the Australian Privacy Principles (APPs) for the protection of personal information.
We collect personal information. Personal information means any information or opinion about you as an identified individual or a reasonably identifiable individual, whether the information or opinion is accurate or not, and whether the information or opinion is recorded in a material form or not. For example, identity and contact details, marital status and financial information.
We may also collect sensitive information for specific purposes. For example, information about your health to enable the credit provider to assess an application you make for mortgage protection insurance and calculate any premiums. If we need this type of information, we will ask for your consent.
We will always aim to collect your personal information directly from you. If for some good reason, we are unable to do so, we may involve another organization. For example, we may need to request a credit report from a credit reporting body when you apply for a credit facility. Before doing so or before collecting the information we need, we will inform you of the type of organizations we intend to disclose your personal information to. We may also collect your personal information through third parties who undertake the collection on our behalf.
We collect and receive personal information directly from you or other business referrers to conduct our business so that we can:
As stated above, we may use the information we gather to provide you with targeted communications about products and services we think will be of interest to you. We may also send you details of offers or services provided by our business partners and related entities. These direct marketing offers and promotions are designed to make your life easier, not harder.
You may, at any time, choose not to receive these communications. Doing so will not cost you anything, and we commit to ensuring you stop receiving any unwanted communications as soon as possible. If you do not want to receive such marketing communications, please write to us at the following address:
Finmortg Brokers
PO BOX 2, Kingsford
NSW 2032
or email at in**@fi******.au
As a Mortgage Broker, we aim to provide you with products and services which suit your requirements. That means we partner with other organizations who provide and support the products and services we offer. To submit your application to a supplier for consideration, we will need to provide such a supplier with your personal information that we hold.
As you will appreciate, in certain circumstances we may be compelled by law to disclose your personal information to various authorities. For instance, we may be required under the Anti-Money Laundering and Counter-Terrorism Financing Act to disclose details of financial transactions, and we may also be compelled under tax laws to provide such information to regulators.
Other organizations which we may exchange your personal information with may include:
This is to your benefit and helps us to provide the products and services you would expect from Finmortg Brokers.
Before we disclose any of your personal information to any other organization, we will take reasonable steps to ensure that:
By consent, we mean approval in writing, orally, or implied from your dealings with us.
We may hold or process your information on servers located overseas for filtering, hosting or storage purposes, reporting and analytical purposes and for system development testing purposes. If we do this, we make sure that such organizations have the appropriate data handling and security arrangements in place to ensure compliance with this Privacy Policy. Australia’s Privacy Act may not apply to such overseas organizations.
Access to and correction of your personal information
It is essential for us, and for you, that the information we hold is accurate and up to date. In this, we rely on you to help us. We ask that you contact us whenever there are any changes to your personal information so that we can update our records.
The personal information we hold about you is yours to access and correct, and as such we can provide you with general information, such as your name, address and contact details quite easily. There is no fee for making the initial request. More detailed information may not be as easy for us to access. If necessary, in some cases, there may be an access charge to cover the time we spend locating, compiling and explaining the information you ask for. If there is an access charge, we’ll give you an estimate upfront and confirm that you’d like us to proceed. Generally, the access charge is based on an hourly rate plus any photocopying costs or other out-of-pocket expenses. You’ll need to make the payment before we start.
The process of providing you with access to or correcting your personal information may take up to 30 working days from the date of your request. If we refuse to give you access to or correct your information, we must provide you written notice setting out the reasons for the refusal and the mechanisms available for you to complain about the refusal.
If you need to access or correct your detailed information, just write to us at the following address or email at in**@fi******.au.
Finmortg Brokers
PO BOX 2, Kingsford
NSW 2032
By law, we are required to hold certain information about you, even after you are no longer a customer. We may also retain certain information about you if it is needed for a purpose which you are aware of or reasonably expect us to hold the information. When your information is no longer needed or required to be held by law, it will be destroyed or de-identified.
We will take great care to protect your personal information by storing it in a secure environment. When the information is no longer needed for any purpose for which the information may be used or disclosed, it will be destroyed or permanently de-identified. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorized access, modification or disclosure.
Our website uses encryption techniques to enhance your privacy and security when using Finmortg Brokers website.
Cookies are small data files that are downloaded from our web servers and stored on your hard drive. A cookie is a string of letters and numbers that uniquely identify the computer you are using, and the customer number and access code you may have used to register at the site. Cookies are used on the Finmortg Brokers web site. We track a visitor’s journey through our website. This allows us to see at a glance which pages and information are of most interest to visitors. This type of cookie contains no personal information at all; merely a record of your journey through the site. Most browsers can be configured to refuse to accept cookies. You can also delete cookies from your hard drive. However, doing so may hinder your access to valuable areas of information within our site.
Finmortg Brokers values our customers. We will always aim to be fair and responsive. If you have a complaint, including a complaint about Finmortg Brokers compliance with the APPs, you have the right to expect that we will handle it in a friendly and professional way. When we receive a complaint, we look at it as valuable feedback that may help us to improve the services we offer and to ensure your needs are met satisfactorily and appropriately. If you wish to complain, at any time, about the handling, use or disclosure of your personal information, or about Finmortg Brokers’ compliance with the APPs, just write to us at the following address:
Finmortg Brokers
PO BOX 2, Kingsford
NSW 2032
or email at in**@fi******.au
We will make all efforts possible to investigate your complaint and advise you of the outcome as soon as possible. If the matter is not resolved to your satisfaction, you can then refer your complaint to the Australian Information Commissioner, who can be contacted at:
Office of the Australian Information Commissioner (OAIC)
Level 3
175 Pitt Street
Sydney NSW 2000
You can request further information about the way we manage the personal information that we hold by writing to:
Finmortg Brokers
PO BOX 2, Kingsford
NSW 2032
or email at in**@fi******.au
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Authorised Credit Representative Number 493191, ABN 32 623 820 416 T/A Finmortg Brokers is an Authorised Credit Representative of National Mortgage Brokers Pty Ltd(ACN 093 874 376/ Australian Credit License 391209)
The content and information in this website is general in nature only without taking into account any personal circumstances. Finmortg Brokers does not warrants the accuracy, reliability or completeness of information contains in this website and not liable for any error or omission on the website material or for any resulting loss or damage suffered by the recipient or any other person.