OUR COMMITMENT TO PROTECT YOUR PRIVACY
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.
WHO IS COMMUNITY BEST HOME LOANS?
Community Best Home Loans is an organisation that offers financial products and services within the homeloans and mortgage finance industry. We gather, formulate and assess information in respect of credit applications predominantly related to homeloans and/or mortgage loans. We locate lenders, mortgage managers and/or funders suitable to provide loans to you. We also market our own range of homeloans/mortgages as well as other products.
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.
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 credit 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 to 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, credit assistance providers, lenders, financial services providers, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting agencies, conveyancers and/or solicitors. We may also disclose your personal information to any other organisation that may have or is considering having an interest in your credit 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?
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. 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 protecting your personal information, and
(b) you have consented to us doing so.
Sometimes we are required or authorised 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.
USE OF PERSONAL INFORMATION (data)
From time to time we may use your personal information to provide you with current information about mortgages, homeloans, credit/finance, special offers you may find of interest, changes to our organisation, other services 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 the Privacy Officer by telephone or in writing to:
Community Best Home Loans
C/- your Finance Centre
PO Box 23
MENANGLE NSW 2568.
Phone: 1300 448 911
We will take all reasonable steps to meet your request at the earliest possible opportunity.
UPDATING YOUR PERSONAL INFORMATION
It is important 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 of any changes to your personal information. 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. At times we may charge a fee for costs we incur 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 be 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.
BUSINESS WITHOUT IDENTIFYING YOU
In most circumstances it will be necessary for us to identify you in order to 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. 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 information is information relating to your racial or ethnic origin, political persuasion, 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.
We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
You may request further information about the way we manage your personal information by contacting the Privacy Officer by using the contact details specified above.
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 marketplace practice.
We Respect your Right to Privacy
Community Best Home Loans – Homeloans to suit all Needs