Fintrack| Privacy Policy |
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Our Privacy Policy ensures your right to privacy as we recognize 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. 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. Website Privacy We may use third-parties to save ads on our website. These companies may employ cookies and action tags (also know as single pixel gifs or web beacons) to measure advertising effectiveness. Any information that these third paries collect via cookies and action tags is completely anonymous. You may opt out at any time by contacting us. 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. The types of organisations to which we are likely to disclose information about you include other mortgage intermediaries, lender, valuers, lenders mortgage insurance, 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? Were 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 disclosure of any of your personal information to another organisation, we will take all reasonable steps to satisfy ourselves that: 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 office. This e-mail address is being protected from spambots. You need JavaScript enabled to view it 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 by 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 the 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 entail 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 as 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 memberships in trade or professional associations 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. 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 or our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and marketplace practice. As a consequence we may change this privacy policy from time to time as the need arises. Direct marketing offers and information The details you give us may be used to inform you about any special offers we think will be of interest to you to update you on new products and services or changes to our website. We may also send you details of offers of services provided by our business partners. You may at any time choose not to receive these communications. Doing so will not cost you anything, Our aim to ensure you stop receiving any unwanted communications as soons as possible. Use of Independent Contractors From time to time Fintrack may use Independent Contractors to provide services on behalf of Fintrack. Provision of Service to you From time to time this website may use authorised consultants including but not limited to companies directly or partially owned by Fintrack Pty Ltd - ACN 006 164 709 or Independent Contractors (referred to as "Authorised Providers") to provide services on behalf of participating financial service companies ("participating financial services companies") who may have services that are of interest to you. By supplying your details one of our authorised consultants may contact you and discuss your personal needs. Fees may be paid to a Participating Financial Services Company This website or any Authorised Provider may receive a fee for any business conducted with your consent. This fee is not paid by you but may be paid by a supplier of a product you ultimately purchase via the introduction made by the Authorised Provider. You should not be charged a fee by any Authorised Provider so if you are charged then please This e-mail address is being protected from spambots. You need JavaScript enabled to view it This e-mail address is being protected from spambots. You need JavaScript enabled to view it and we will look into the matter. You may have to pay fees to any Participating financial service company for a service that you have agreed to purchase. No Warranty or Guarantee for Services offered This website and our Authorised Providers cannot guarantee any service offering from any participating financial services company, we can only introduce you to these companies. You must decide to take up any offerings that participating financial services may offer you. Information on this website The information and material provided on or through this website is provided as general information only and should not be regarded as a substitute for professional legal or financial advice. Prior to entering into any service offered by a participating financial service company you should make your own professional enquiry and seek independent financial advice tailored to your specific circumstances and objectives. The reports and statistical data provided by the website service (collectively "the information") are derived from third party data collection companies and from information supplied by participating financial service companies. We do not accept any liability for any act or omission of others supplying the information, including but not limited to those participating financial service companies. Last Updated 10th June 2009 |