OUR COMMITMENT TO PROTECT YOUR PRIVACY
Independent Mortgage Consulting seeks to
provide the best possible service to its customers by providing
the best possible range of financial products and services.
We understand how important it is to protect
your personal information. This document sets out our privacy
policy commitment in respect of personal information that
you may provide to us.
Our Privacy Policy ensures your right to
privacy as we recognise that any personal information we may
collect about you will only be used for the purposes indicated
in our policy. It is important to us that you are confident
that any personal information we collect from you or is received
by us, will be treated with appropriate respect ensuring protection
of your personal information. Our commitment in respect of
personal information is to abide by the National Privacy Principles
for the protection of personal information, as set out in
the Privacy Act and any other relevant law.
WHO IS INDEPENDENT MORTGAGE CONSULTING?
Independent Mortgage Consulting is an organisation
that offers financial products and services within the mortgage
industry. We process and assess information in respect of
loan applications. We locate funders suitable to provide loans
to you. We also market other products.
PERSONAL INFORMATION
When we refer to personal information we
mean information from which your identity is apparent. This
information may include information or an opinion about you,
from which your identity can reasonably be ascertained.
WHY WE COLLECT YOUR PERSONAL INFORMATION?
We collect and receive personal information
from our customers or from other business referrers in order
to conduct our business, including assessing and obtaining
approval for loans. From time to time we may offer other products
and services.
To enable us to maintain a successful business
relationship with you, we may disclose your personal information
with other organisations that provide products or services
used or marketed by us. Thetypes of organisations to which
we are likely to disclose information about you include other
mortgage intermediaries, lenders, valuers, lenders mortgage
insurers, surveyors, accountants, credit reporting agencies,
and lawyers. We may also disclose your personal information
to any other organisation that may have or is considering
having an interest in your loan, or in our business.
HOW DO WE COLLECT YOUR PERSONAL INFORMATION?
Where reasonable and practical we will collect
your personal information only directly from you.
TO WHOM WILL WE DISCLOSE YOUR PERSONAL
INFORMATION?
Where possible, we will inform you, at or
before the time of collecting your personal information, the
types of organisations that we intend to disclose your personal
information to.
Prior to disclosing any of your personal
information to another organisation, we will take all
reasonable steps to satisfy ourselves that:
(a)
the organisation has a commitment to protecting your personal
information at least equal to
our commitment; and
(b) you have
consented to us doing so.
Sometimes we are required or authorised
by law to disclose your personal information. Circumstances
in which we may disclose your personal information would be
to a Court or Tribunal in response to a request or in response
to a subpoena or to the Australian Taxation Office.
DIRECT MARKETING
From time to time we may use your personal
information to provide you with current information about
mortgage loans, special offers you may find of interest, changes
to our organisation, or new products or services being offered
by us or any company we are associated with.
If you do not wish to receive marketing
information, you may at any time decline to receive such information
by contacting our offices by telephoning 02 9008 1313 or by
writing to us at PO Box W60, Warringah Mall NSW 2100. We will
not charge you for giving effect to your request and will
take all reasonable steps to meet your request at the earliest
possible opportunity.
UPDATING YOUR PERSONAL INFORMATION
It is important to our relationship that
the personal information we hold about you is accurate and
up to date. During the course of our relationship with you
we will ask you to inform us if any of your personal information
has changed.
If you wish to make any changes to your
personal information, you may contact us. We will generally
rely on you to assist us in informing us if the information
we hold about you is inaccurate or incomplete.
ACCESS TO YOUR PERSONAL INFORMATION
We will provide you with access to your
personal information we hold about you. You may request access
to any of the personal information we hold about you at any
time.
To access personal information that we hold
about you use the contact details specified above. We may
charge a fee for our costs in retrieving and supplying the
information to you.
DENIED ACCESS TO PERSONAL INFORMATION
There may be situations where we are not
required to provide you with access to your personal information.
For example, such a situation would be information relating
to an existing or anticipated legal proceeding with you, or
if your request is vexatious. An explanation will be provided
to you, if we deny you access to your personal information
we hold.
BUSINESS WITHOUT IDENTIFYING YOU
In most circumstances it will be necessary
for us to identify you in order to successfully do business
with you, however, where, it is lawful and practicable to
do so, we will offer you the opportunity of doing business
with us, without providing us with personal information. Such
a situation would be where you make general inquiries about
interest rates or current promotional offers.
Where sensitive information is collected,
stored, used or transferred about you, we will only use this
information if you have consented or in the exercise or defence
of a legal claim. Sensitive information is information relating
to your racial or ethnic origin, political persuasion, memberships
in trade or professional association or trade unions, sexual
preferences, criminal record, or health.
HOW SAFE AND SECURE IS YOUR PERSONAL
INFORMATION THAT WE HOLD?
We will take reasonable steps to protect
your personal information by storing it in a secure environment,
and 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 unauthorised
access, modification or disclosure.
FURTHER INFORMATION
You may request further information about
the way we manage your personal information by writing or
emailing.
CHANGE IN OUR PRIVACY POLICY
We are constantly reviewing all of our policies
and attempt to keep up to date with market expectations. Technology
is constantly changing, as is the law and market place practice.
As a consequence we may change this privacy policy from time
to time or as the need arises.
This privacy policy came into existence
on the 1 January 2002.
