Our Commitment to protect your privacy
We understand how important it is to protect your personal information. This document sets out our privacy 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 purpose indicated in our policy. It is important to us that you are confident that any personal information that we collect for 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 that 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 personal information about you in order to conduct our business. This includes the following.
• Assessing you for mortgage and other finance
• Completing a loan application to our panel lenders
• Communicating with you
• Internal administration and financial control
How do we collect your Personal Information
We may collect personal information from you through our consultants.
To whom do we disclose your personal information
In the ordinary course of business, we may disclose your personal information with other associated organisations, such as panel lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting agencies, and lawyers. We will only disclose to these associated organisations that information necessary for them to perform their services. Where possible, we will inform you, at or before the time of collection of 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 protect your personal information at least to our commitment; and
(b) you have consented to us doing so
Sometimes we are required or are authorized 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 to a subpoena or to the Australian taxation Office.
Direct Marketing
As a valued client, we would naturally like to keep in touch with you. From time to time we may use your personal information to provide you with current information about market conditions, mortgage loans, commercial loans and other related areas of interest.
If you do not wish to receive marketing information, you may at any time decline to do so by contacting our offices by telephoning 07 5575 9943 or by emailing us at info@baggfinancial.com.au We will take all responsible steps to meet your request at the earliest opportunity.
Updating your Personal Information
It is important tour 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 that 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 please use the contact details specified above.
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 was vexatious. An explanation will be provided to you, if we deny you access to your personal information we hold.
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 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, modifications or disclosure.
Further Information
You may request further information about the way we manage your personal information by writing or emailing.
Change in our 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 practices. As a consequence we may change the privacy policy from time to time. This privacy policy came into existence on the 6th August 2003.
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