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EasyChoice
Home Loans ( ABN 95 092 879 733 ) is committed
to protecting your information. This statement sets
out
how we manage personal information. |
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1. |
The National Privacy Principles
From 21 December 2001, most private
sector organisations in Australia must, by law, comply
with the National Privacy Principles ("NPPs").
We are bound
by and will comply with the NPPs from that date.
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| 2. |
Collecting
personal information about you
The kinds of personal information
we hold
We only collect personal information that is necessary
for us to perform
our functions and activities that consist of the origination
and administration
of loans, insurance and related activities. The kinds
of personal information
we collect and hold will depend upon your dealings with
us and
the circumstances in which it was collected, but may
include:
- information you provide to
us when you apply for a loan or when
you offer to guarantee a loan. This information will
include your name, address and contact details, and,
if applicable, identification information relevant
to applications requiring compliance with the Financial
Transactions Reports Act.
- financial information about
you such as your financial position
and details of your salary or wage, and information
obtained from
credit checks carried out during the loan approval
process
(but only if you have authorised such checks to be
carried out).
- information about the progress
of any loan provided to you,
or which you have guaranteed, including your communications
with us.
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| 3. |
Using
and disclosing your personal information
The purposes for which we collect and hold personal
information and how we use and disclose it
We respect your privacy.
Any personal information which we collect about
you will be used by us to assess your application for
a loan or offer to provide
a guarantee, and to facilitate provision and administration
of loans
and related activities.
In order to do this, we
may disclose your personal information to:
- professional advisers such
as solicitors, accountants and valuers;
- mortgage insurers;
- underwriters;
- government agencies such as
those which administer land titles
and revenue or (where applicable) foreign investments;
- credit reporting agencies and
mercantile agents;
- external auditors; and
- other organisations which
participate in funding, providing and administering
your loan or the loan you have guaranteed,
such as the trustee of the fund from which the loan
is sourced.
We may also use your personal information to provide
you with
information about other products and services offered
or distributed
by us. To do that we may disclose your information
to our service providers (see below).
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Contracting out
services and disclosures
We also disclose personal information to organisations
to whom we outsource functions, such as mailing and
printing houses, IT providers
or a mortgage servicer which organisations assist us
to service and administer your loan or the loan you
have guaranteed, or provide you
with information about products and services offered
or distributed by us. |
| 4. |
Access to your personal information
In most cases, you can gain access to personal information
that we hold
about you. We will handle requests for access to your
personal information in accordance with the NPPs. Requests
for access should be directed to the Privacy Officer,
whose contact details are set out below. |
| 5. |
What to do if you
would like more information about how we
manage your personal information or wish to complain about
a breach of your privacy |
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If you
would like more information about the way we manage our
personal information or are concerned that we may have
breached your privacy and
wish to make a complaint, please write to us at the postal
or email addresses set out below;
| Postal
Address: |
The
Privacy Officer EasyChoice Home Loans PO Box 222
Hurstville BC NSW 1481 |
| Facsimile: |
(02)
9547 2400 |
| Email: |
privacy@echl.com.au |
| If the matter
is not resolved to your satisfaction, you can refer
your complaint to the Federal Privacy Commissioner; |
| Address: |
Office
of The Federal Privacy Commissioner |
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Level
8, Piccadilly Tower |
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133
Castlereagh Street |
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Sydney
NSW 2000 |
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| 6. |
Changes
to our privacy policy
From time to time it may be necessary for us to review
and revise our privacy policy. We reserve the right to
change our privacy policy at any time. We may notify you
of any change to our privacy policy by any means we choose
including posting an updated version of the policy on
our web site, by email, by other electronic communication,
by sending you a revised copy or by otherwise informing
you that a revised copy of our privacy policy is available
on request.
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