The privacy of personal information you provide to us (your personal information) is important to us.
How we collect personal information
We may collect personal information from you through our brokers, when interviewing you, from our website and from competitions and promotions in which you provide personal information.
The personal information we collect
We collect personal information about you to enable us to assess your suitability and eligibility for obtaining a home, personal or commercial loan or for the provision of other services. 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 endeavour 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 this may restrict our ability to assist you.
If you give us personal information about another person, you must represent that you are authorised to do so and agree that you have obtained consent from that person for us to use and disclose their personal information and that they may access any personal information we hold about them.
How we use your personal information
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
5. To update a third party referrer of your loan on the success or outcome of your loan for commission purposes.
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 either contact your broker or our Privacy Officer whose contact details are set out later in this policy.
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 endeavour 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 remove identifying information of your personal information, when your personal information is no longer required for our business functions.
Disclosure of your personal information to others
We may disclose your personal information to our related bodies corporate, our brokers, our approved panel of lenders, service providers and agents that we use in the ordinary operation of our business. For example, if you provide us with personal information to find a suitable loan, we may collect personal information about you and disclose it to our approved panel of lenders or our brokers.
We will only such as:
- use and disclose your personal information for the purposes that we collected the personal information,
- whether you may qualify for a loan;
- to assist you to locate a suitable loan;
- for administrative purposes, such as data processing, printing or mailing;
- to update a referrer of your loan with the general progress of your loan (excluding any sensitive information); and/or
- other financial services that we offer that you may require.
If your personal information is disclosed to third parties, 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.
We are a contractor network and your personal information may be disclosed between HM Finance and its brokers within the Group to facilitate a transaction to which the provision of that personal information relates or to enable us to properly conduct our business within the Group.
How 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 our employees, contractors and brokers (“representatives”) to maintain the confidentiality of customer information. Access to information stored electronically is restricted to our representatives whose job requires access to the information. Access to our computer systems is restricted through password protection. If we no longer need your personal information, we destroy or remove the identity information.
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 General Manager HM Finance
PO Box 278 BALMAIN NSW 2041
Or contact Malcolm Day at firstname.lastname@example.org