How we collect personal information
We generally collect your personal information directly from you. For example, we may collect personal information about you when you deal with us over the telephone, send us correspondence (whether by letter, fax or e-mail), make an internet enquiry, when you subscribe electronically to our publications or when you have contact with us in person.
There may be occasions when we need to source personal information about you from a third party. For example, we may collect personal information from a company for whom you work, other organizations with whom you have any dealings, a credit reporting agency, an information service provider or from a publicly maintained record.
What personal information do we collect?
We collect personal information about you to enable us to assess your suitability and eligibility for obtaining a home, commercial or personal loan. The types of personally identifiable information we may collect include your name, address, telephone number, 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.
We use your personal information to assist us in:
1. Conducting our business, for example, in determining whether you may qualify for a loan
2. Completing a transaction to which the provision of that personal information relates, for example, in the completion of loan application forms;
3. To communicate information about our products and services to you;
4. 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 contact our Privacy Officer whose contact details are set out later in this policy.
Do we disclose your personal information to others?
We do not sell our client lists 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 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.
Your access rights to the personal information we hold
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 will update that information if it is required in any future dealings we may have with you.
We will take reasonable steps to destroy or de-identify your personal information when it is no longer required for our business functions.
How do we store your personal information?
We take all reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or exposure. We require all staff to maintain the confidentiality of customer information. Access to information stored electronically is restricted to employees 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:
The Privacy Officer
Mortgage Partners Australia Pty Limited
PO Box 443
Mortgage Partners Australia will refund, in full, any purchase or any order to purchase a product or service if your notification of cancellation is received prior to delivery of the product or commencement of the service purchased.
Each product or service is delivered with a specific money-back guarantee included in the product description; you should refer to this description for details.
Please email us at email@example.com within the guarantee timeframe if you are not satisfied with your purchase so that we may resolve any problems.