Mortgage Broker Derrimut

Overview

We understand the importance of, and are committed to, complying with our obligations under the Privacy Act 1988 (Cth) (“Privacy Act”) and the associated Australian Privacy Principles (“APP”). This document sets out our condensed Privacy Notice.

We need to collect personal information about you to provide you with our broking and related services. This privacy statement tells you how we collect your information, for what we use the information and with whom we share the information. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection.

Sensitive information Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information. We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it will also be captured and stored.

How information is collected from you
We will collect your information from you directly whenever we can, like from enquiries we make of you when you seek credit assistance from us. We may verify that information from sources referred to in the responses to those enquiries or in this privacy statement.

How information is collected from other sources
Sometimes we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it is reasonably necessary to do so, for example, where:

- we collect information from third parties about a loan or lease in relation to which you seek our services;
- we cannot get hold of you and we rely on public information (for example, from public registers or social media) or made available by third parties to update your contact details; or
- we exchange information with your legal or financial advisers or other representatives.

When the law authorises or requires collection of information
Some law may require us to collect personal information about you. For example, we may require your information to verify your identity under Australian Anti-Money Laundering law.

What information do we collect and hold?
The types of information that we collect and hold about you could include identification information such as your name, postal or email address, telephone numbers, date of birth; other contact details such as social media handles; financial details and other information we think is necessary.

How your information may be used
We may use your information for purposes including:

- providing you credit assistance;
- providing you information about loan products or related services including help, guidance and advice;
- considering whether you are eligible for a loan or lease or any related service you requested including identifying or verifying you or your authority to act on behalf of a customer;
- assisting you to prepare an application for a lease or a loan;
- administering services we provide, for example, to answer requests or deal with complaints;
- administering payments we receive, or any payments we make, relating to your loan or lease;
- informing you about other products or services we make available and that may be of interest to you, unless you tell us not to;
- identifying opportunities to improve our service to you and improving our service to you;
- informing you about other suppliers, with whom we have arrangements, that supply goods or services that may be of interest to you;
- allowing us to run our business efficiently and perform general administrative tasks;
- preventing or investigating any fraud or crime or any suspected fraud or crime;
- as required by law, regulation or codes binding us; and
- any purpose to which you have consented.

You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable.

What happens if you do not provide information?
If you do not provide your information to us, it may not be possible to:

- assist in finding a loan or lease relevant to your circumstances;
- verify your identity or protect against fraud; or
- let you know about products or services that might be suitable for your financial needs.

Sharing Your Information
General
We may use and share your information with other organisations for any purpose described above.

Sharing with your representatives and referees
We may share your information with:

- your representative or any person acting on your behalf (for example, lawyers, settlement agents, accountants or real estate agents); and
- your referees, like your employer, to confirm details about you.

Sharing with third parties
We may share your information with third parties in relation to services we provide to you or goods or services in which we reasonably consider you may be interested. Those third parties may include:

- the Broker Group through which we may submit loan or lease applications to lenders or lessors on the Broker Group’s panel. You can view our Broker Group’s privacy notice at http://www.choiceaggregationservices.com.au/privacy. It sets out how that Broker Group manages your personal information and where you can find its privacy policy;
- the licensee, ROL that authorises us to engage in credit activities. You can view ROL’s privacy policy at: http://www.freedomaggregation.com.au/privacy-policy/. It sets out how ROL manages your personal information;
- referrers that referred your business to us;
- financial services suppliers with whom we have arrangements;
- valuers;
- lenders, lessors, lender’s mortgage insurers and other loan or lease intermediaries;
- organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other misconduct;
- government or regulatory bodies as required or authorised by law. In some instances, these bodies may share the information with relevant foreign authorities;
- guarantors and prospective guarantors of your loan or lease;
- service providers, agents, contractors and advisers that assist us to conduct our business for purposes including, without limitation, storing or analysing information;
- any organisation that wishes to take an interest in our business or assets; and
- any third party to which you consent to us sharing your information.

Sharing outside of Australia
We may use overseas organisations to help conduct our business. As a result, we may need to share some of your information (including credit information) with such organisations outside Australia. The countries in which those organisations are located are India and the Philippines.

Australian Privacy Principle (APP) 8.1
shall not apply to the disclosure, meaning that we will not be obliged under the Privacy Act to ensure that an overseas recipient does not breach the APP. In addition, if that overseas recipient handles the information in breach of the APP, we will not be accountable for that breach and you will not be able to seek redress under the Privacy Act.

In addition, we may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it is not always practicable to know in which country your information may be held.

Digital consent
By providing us with your email address, you consent to us:

- communicating with you via your email address;
- sending you documents electronically by way of email; and
- retrieving electronic signatures from you for the purposes of executing documents in connection with our services.

You can at any time request to receive any document via post or other means, as notified to your broker.

Privacy Policy
You can find out more about how we manage your information by reading our Privacy Policy available by contacting us. Please see our contact details above. Our Privacy Policy sets out how you can ask us to access and seek to correct information we hold about you and how you may complain about any breach by ROL of the APPs or an applicable APP Code.

Information about other people
If you give information to us about another person (like your co-applicant) in relation to the services we provide, you will let that other person know that:

- we have collected their information to provide those services or for any other purpose set out in this privacy notice;
- we may exchange this information with other organisations set out in this privacy notice;
- we handle their personal information in the way set out in our Privacy Policy and this privacy notice and they can:
- access or request a copy of that privacy policy or this privacy notice; or
- access the information we hold about that other person,
by using our contact details above; and
- we may not be able to provide those services to you unless we obtain their information.

By reading this document, you confirm the following:
1. The information you provide will be held by us and our broker group, Choice.
2. You appoint us your agent to obtain your credit information from a credit reporting body on your behalf.
3. You provide us, our employees, and our agents permission to contact your employer/s, accountant, superannuation provider or anyone else as required for the purpose of verifying details supplied by you.
4. We may use credit information and any other information you provide to arrange or provide finance and other services.
5. We may exchange the information with the following types of entities, some of which are located overseas:5>
• Persons who provide finance or other products to you, or to whom an application has been made for those products.

- • Financial consultants, accountants, lawyers and advisers.
- • Any industry body, tribunal, court or otherwise in connection with any complaint regarding our services.
- • Any person where we are required by law to do so.
- • Any of our associates, related entities, contractors and outsourcing partners some of which are located in the Philippines and India.
- • Your referees, such as your employer, to verify information you have provided.
- • Any person considering acquiring an interest in our business or assets.
- • Any organisation providing online verification of your identity.

By reading this, you confirm that you are authorised to provide the personal details presented and consent to your information being checked with the document issuer or official record holder via third party systems for the purpose of confirming your identity.

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