Your privacy is important
What information do we collect?
We collect personal information. Personal information means any information or opinion about you as an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true 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.
How do we collect your personal information?
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 organisation. 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 prior to collecting the information we need, we will inform you of the type of organisations 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
Why do we collect your personal information?
We collect and receive personal information directly from you or from other business referrers in order to conduct our business so that we can:
- submit your application for credit to a supplier via our Aggregator partner National Mortgage Brokers Pty Ltd;
- identify and tell you via direct marketing communications about other products or services offered by us or a third party that may interest you (unless you tell us not to);
- administer our customer relationships;
- for internal purposes, including for reporting and analytical purposes;
- meet our legal and regulatory reporting obligations;
- establish a customer marketing program;
- system development testing purposes;
- ensure your security when visiting our website and to learn which areas of the site are of most interest to you (see the section ‘cookies’ below); and
- any other purpose related to the above.
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 ensure you stop receiving any unwanted communications as soon as possible. If you do not want to receive such marketing communications, kindly email to email@example.com.
Why do we exchange your information with another organisation?
As a Mortgage Broker, we aim to provide you with products and services which suit your requirements. That means we partner with other organisations who provide and support the products and services we offer. In order to submit your application to a supplier for consideration, we will need to provide such 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 organisations which we may exchange your personal information with may include:
credit reporting bodies;
government and law enforcement agencies;
our suppliers, associates, service providers or contractors (including, for example, call centre, stationery printing houses, mail houses, information technology, marketing agencies, and marketing research companies etc);
any person who proposes to guarantee or has guaranteed repayment of any credit provided to you;
mortgage insurers, brokers, originators and/or managers, financial consultants, accountants, lawyers or real estate agents;
National Mortgage Brokers Pty. Ltd., our aggregator partner;
those in connection with funding financial accommodation by means of an arrangement involving securitisation;
third parties to enable them to contact you to offer their products and services or to determine if you would be interested in the products and services; and
any person considering acquiring or taking an interest in our business.