CommunityBE$T seeks to provide the best possible products and services to its customers and while doing so, it’s important that you feel secure whenever you deal with us. We recognise the importance of protecting your privacy as well as the personal information you entrust to us and we are committed to ensuring the immediate and ongoing security of such personal information. We also respect your right to be aware of who has information about you, what they are doing with it and who else they are sharing it with.

The foundation of our commitment is the National Privacy Principles for the protection of personal information as set out in the Commonwealth Privacy Act 1988 as amended.

Personal Information

Personal Information means information, details or opinions about you from which your identity and/or characteristics are apparent or can be uncovered.

Collection

We collect and receive personal information from our customers, or from other business referrers and partners in order to: - carry out our business, - access your financial and credit position when you apply for a product and/or service from us, - assist us in providing products and/or services that best suit your needs, - enhance our business relationship with you by assisting us to provide value-added products and/or services through direct marketing (If you do not wish to receive these offers or promotions, just let us know beforehand or when we contact you), - ensure your security when visiting our website and to learn which areas of the site are of most interest to you (see the section 'cookies' below).

We will always aim to collect your personal information directly from you. On occasions, information about you is obtained from others such as a third party acting on your behalf (e.g. broker or financial adviser), reporting agencies or public records.

Use & Disclosure

Our use and disclosure of your personal information is dictated by the product and/or service you take up. We will not use or disclose your personal information for a purpose unrelated to this or outside your reasonable expectations, except where we need to meet a legal obligation or authority. At times we may need to utilise the services of others and if so, we will require those persons or organisations to respect your right of privacy.

Where 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.

Quality, Correction & Access

It is important for us, and for you, that the personal information we hold about you is accurate and up to date. We ask that you contact us whenever there are any changes to your personal information, so that we may update our records.

You may access the personal information we hold about you. If you wish to access this, or you are concerned about the usage and/or treatment of this information, please contact the

Privacy Officer at CommunityBE$T Home Loans,
10 Riversford Close
MENANGLE  NSW  2568 ,
Ph: (02) 4633 8730 Fax: (02) 4633 8701

Security

We will safeguard your personal information by keeping it in a secure environment, and when the information is no longer needed, it will be destroyed or permanently de-identified.

By law, we are required to hold certain information about you, even after you are no longer a CommunityBE$T customer. However, after such time you can be assured we will destroy your personal information thoroughly and safely.

Change

Technology is constantly changing, as is the law and market place practices; therefore we regularly review our policies to keep up to date with customer and market expectations. As a consequence we may change this Privacy Policy from time to time or as need arises.

Online Security

Our website uses encryption techniques to enhance your privacy and security on the Internet. Encryption is the standard way of protecting your information as it is transmitted between you and us.
When logging into a secure area you will be asked to enter a unique customer number and access code. If successful, your log in will open a new secure browser window. If you use a shared computer, please remember to log out so that the next user will not have access to your details and please remember to keep your access code secure.

What are 'cookies' and how do they work?

A cookie is a tiny element of data that a web site can send to your browser, which may then be stored on your hard drive so you can be recognised when you return. Cookies are used on our web site to monitor the traffic to our site and are used to count the number of visits to each page and to track the path each visitor takes to navigate the web site but no personal information about the visitor is collected during this process.

If our website requires you to register or log in to gain access to a secure area, cookies are used to assist in the registration process. They are used to store the username while the user logs into the site and to track the number of times the user has tried to log in during a visit.

Most browsers can be configured to refuse to accept cookies and you can also delete cookies from your hard drive. However, doing so may hinder your access to valuable areas of information within our site.