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Privacy
At Victoria Mortgage
brokers we aim to give our customers the best possible service by
offering the access to the Finance expert who, at the instructions
of the clients, will assist in meeting finance requirements of
clients
We understand the importance of protecting your personal
information. This document sets out our privacy policy commitment
which applies to any personal information that you may give to us.
Our Privacy Policy ensures your right to privacy. We understand 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 and
not used for any other purpose.
We are committed to meeting National Privacy Principles for the
protection of personal information, as set out in the Privacy Act
and any other relevant law.
Who is Victoria Mortgage Brokers?
Victoria Mortgage brokers is an organization that offers access to
the Finance Expert at the specific interest of the clients visiting
the site
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.
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?
To enable us to maintain a successful business relationship with
you, we may disclose your personal information with other
organizations that provide products or services used or marketed by
us. The types of organizations 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 organization that may have or is
considering having an interest in your loan, or in our business.
How Might We Disclose Your Personal Information?
Where possible, we will inform you, at or before the time of
collecting your personal information and the types of organizations
that we intend to disclose your personal information to. Prior to
disclosing any of your personal information to another organization,
we will take all reasonable steps to satisfy ourselves that; (a) the
organization 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 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 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 organization, 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. 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 inform 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 this personal
information by using the contact details specified above. We may
charge a fee for our costs in retrieving and supplying the
information to you.
Denied Access to Your Personal Information
There may be situations where we are not required to provide you
with access to your personal information. An example of such a
situation would be information relating to an existing or
anticipated legal proceeding with you, or if your request is
vexatious. If we deny you access to any of your personal information
that we hold we will explain why.
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.
Sensitive Information
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 defense 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'll 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 unauthorized access, modification or
disclosure.
Further Information
You may request further information about the way we manage your
personal information by contacting us:
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.
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