At Orange Mortgage and Finance Brokers your privacy is always important to us. We comply with the National Privacy Principals as defined in the Privacy Act 1988 (Cth).
What information does Orange Mortgage and Finance Brokers hold?
We keep a record of information that identifies you, such as your name and address and other information provided by you and people nominated by you;
This personal information is collected from you for the purpose of assisting in:
- completion and assessment of your loan application,
- completion and assessment of your loan transaction history,
- internal administration
We do not actively seek to collect sensitive information unless it is necessary for business purposes. If we do have to collect sensitive information, we will do so in accordance with the Privacy Act.
How Orange Mortgage and Finance Brokers may collect information from its website
We collect and hold information about you when you:
- complete an online development proposal or other type of form;
- provide us with your email address; or
- access and use our services through our website.
We also collect some statistical information about visitors, from our website (for example, the number of visitors, pages viewed, time online. Some of this statistical information is collected by using cookies, but none of the statistical information we collect allows us to identify a visitor. We use this information to evaluate our website performance and continually improve our services.
Other than statistical information, we do not collect any information about you through our website unless you provide the information to us.
How Orange Mortgage and Finance Brokers generally collects your information
PRIVACY STATEMENT AND CONSENT
This Statement explains how we collect, use and disclose personal information and provides your consent for us to send communications about products/services. Personal information is information about, and which identifies, an individual, including information about credit worthiness, standing, history and capacity.
PURPOSE FOR WHICH WE COLLECT AND USE 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 loans. From time to time we may offer other products and services.
To enable us to maintain a successful business relationship with you, you consent to the fact that we may disclose your personal information with 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, lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting agencies, settlement agents and lawyers. We may also disclose your personal information to any other organisation that may have or is considering having an interest in your loan or in our business.
We are required by law to collect information to identify and verify you. Also, without your information, we may not be able to provide credit assistance.
We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia.
DISCLOSURE OF PERSONAL INFORMATION
We do not sell, trade or rent client lists or personal information to any third party. We will disclose personal information about you to our credit providers and agents where it relates to our credit assistance.
In all cases we will only disclose that information that is strictly required, and take all reasonable steps to ensure that your personal information is handled in accordance with the Australian Privacy Principles.
Otherwise, we will not disclose personal information unless you consent, we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.
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.
1.3 APPLICATIONS FOR CREDIT
In addition, if we are assisting you in an application for credit, you agree we may collect personal information about you from, and disclose it to, financial institutions, credit providers, credit reporting agencies, debt collecting agencies, mortgage insurers, your current and prospective co-borrowers, sureties, guarantors and co-guarantors, any person considering purchasing or who purchases, funds or manages the loan or security and their advisers.
Consumer credit information will only be disclosed where authorised by you or required under law.
1.4 ACCESS TO YOUR PERSONAL INFORMATION
If you believe that we are holding inaccurate, incomplete, irrelevant or out of date data about you, you may ask us to correct it. You can make a request for access to or correction of your personal information by contacting us anytime.
In some limited circumstances we may need to refuse access to your information or refuse a request for correction. If this is the case, we will advise you as soon as possible after your request and provide you with our reasons for the refusal.
You may access information we hold about you at any time in accordance with the Privacy Act 1988. Unless you ask us, by calling 0425 212 636, not to contact you about products and services and not to disclose your information to others for that purpose, you consent to us contacting you by telephone while you hold any facility with us notwithstanding registration at any time of your telephone number on the Do Not Call Register.
Our contact details are as follows:
Postal address: PO Box 124, West Perth, WA, 6872
Mobile: 0425 212 636
What happens if you are not happy with how your information is handled?
RECEIVING COMMERCIAL ELECTRONIC MESSAGES
You consent to us sending commercial electronic messages (including messages about our products and services and the products and services of any third party) to any electronic address which you provide or for which you are responsible. You warrant that you have authority to provide this consent and agree that, until you withdraw your consent by providing written notice to us or using an unsubscribe facility in the message, we may continue to send commercial electronic messages to those addresses.
For more information on your privacy rights please visit www.privacy.gov.au