Better Choice Home Loans recognises the importance of protecting your privacy. We are committed to ensuring the continued integrity and security of the personal information you entrust to us.We appreciate that the success of our business is largely dependent upon a relationship of trust being established and maintained with past, current and prospective customers and other individuals with whom we conduct business. We will therefore continue to collect and manage your personal information with a high degree of diligence and care.We are bound by the National Privacy Principles of the Privacy Act (Cth) 1988 (“Privacy Act”), which sets clear standards for the collection, access, storage and use of personal information obtained as part of our business operations. If you have a comment, query or complaint regarding a privacy matter, we encourage you to discuss it with us.
How we handle your personal information
This statement explains the types of personal information we collect and how we handle that information.
Types of information collected and held by us
We need to collect some of your personal details to enable us to establish and maintain a financial services relationship with you. The types of information we request will vary according to the product or service that we are providing to you. We will usually ask for your name, age, address and other contact details (such as phone, fax and email) so we can communicate with you. In some cases we may also need your financial details. We do not collect certain types of information (such as ethnicity, trade or professional association membership or health) without your consent.
How we collect your information
In most cases we collect personal information directly from you. Sometimes we may obtain your information from a credit reporting agency (in the case of loan products), a third party acting on your behalf (such as a loan introducer, financial adviser or broker) or public records such as those relating to land titles and companies. When you visit our website, our Internet Service Provider records information (such as date, time and pages accessed) in relation to your visit for statistical purposes. This information is collected as aggregated data and the user remains anonymous. Except in the case of online banking, we do not attempt to identify users of our website.
How we protect your information
We take all reasonable steps to ensure your information remains secure, and to prevent unauthorised access to your information. Although we endeavour to ensure that all personal information kept by us remains accurate, we also depend on you to tell us of any changes to your details. We use our best efforts to ensure that information received via this website remains secure within our systems. We are regularly reviewing developments in online security, however users should be aware that there are inherent risks in transmitting information across the Internet.
A “cookie” is a small-text file that is transferred to your computer hard drive by a web page server. It stores information about the use of a website. While browsing this site, our server may automatically collect navigational data by placing “cookies” in your browser file on your hard drive. Cookies do not capture or track any personal information and cannot identify you as an individual. You may elect to not accept cookies on your browser.
Our use of Your information
Generally we only use or disclose your information where necessary and in order to provide you with the product or service you have requested. We may also use it for internal business purposes such as research and product development, and for assessing your future applications for products or services provided by us. We do not sell, rent or trade your personal information. When you send us an email, the contents and your email address are used only for the purpose for which they were provided. We do not retain this information unless you consent or we believe we have a legal requirement to do so. We may use your information to tell you about other financial products and services we think you may be interested in. If you do not wish to receive offers unrelated to your Better Choice Home Loans products and services please let us know.
Our disclosure of your information
We may disclose your information to IT providers, professional advisers, account holders and operators, and (in the case of loan products) credit reporting agencies, valuers, introducers, insurers, guarantors, debt collection agencies and government authorities. When your information is disclosed to those organisations it remains the property of Better Choice Home Loans and is protected under our agreements with them. We will also disclose your information when required to by law. Specific requirements apply to the collection, use and disclosure of your information for credit reporting purposes.
Access to your information, queries and complaints
If you have a query, comment or complaint about privacy, or wish to access your personal information, please contact our office by:
Phone 1800 562 674 Fax 1300 434 336 email@example.com or Post P.O Box 3425 Parramatta NSW 2124
An access request form is available from our office. Please note that a charge may apply when we give you access to your information. This document is correct as at January 2010. We are regularly reviewing our compliance with our privacy obligations. This document will be updated from time to time to reflect any changes in our approach to privacy or information handling practices.