Our Commitment To You
At Fincept your privacy is important
to us.
We understand that the information you provide to
us is personal and confidential. Fincept complies with the National Privacy Principles in
the Privacy Act (1988), the Mortgage Industry Association of Australasian
Code of Practice, the Code of Banking Practice and the credit
provider provisions in the Privacy Act (1988).
This Policy And Other Privacy Statements
This privacy policy explains how we collect personal information
and how we maintain, use and disclose that information. It also
provides some detail about your privacy rights along with our
general rights and obligations, and our policy in relation to
the personal information we keep. In this policy, reference to
"we/us" means each member of Fincept including companies that are related to or owned
by Fincept .
When you apply for a product or service, you may
be asked to read and sign a document about privacy and requests
for consent. Those privacy consents specify in more detail how
any information about you may be used and disclosed in relation
to your dealings with Fincept .
When you apply for or use one of our products or services, you
consent to us collecting, maintaining, using and disclosing personal
information about you and provided by you or by another person
in accordance with the privacy consent and this policy.
The Collection Of Your Information
When you apply for a product through Fincept , we will need to collect personal information from
you. Personal information means any details or opinion about you
from which your identity is apparent or your identity can be uncovered.
The reasons why we would collect personal information about you
are:
• To assess your financial and credit position when you apply for a product or service from us.
• To ensure your security when visiting our website and to learn which areas of the site are of most interest to you.
In both of these cases, we may use the information we gather to provide targeted and value-added products and services to you, through direct marketing. These direct marketing offers and promotions are designed to make your life easier, not harder. So if you do not want to receive them, just let us know when we contact you.
We will always aim to collect your personal information directly from you. If for some good reason, we are unable to do so, we may involve another organisation. For example, we may need to request a credit report from a credit-reporting agency when you apply for a credit facility.
Disclosure of your information to another organization
At Fincept , we want to provide
our customers with the very best products and services. At times,
we may partner with another organisation to support the products
and services we offer. As you will appreciate, in certain circumstances
we may be compelled by law to disclose your personal information
to various authorities. For instance, we may be required under
the Financial Transaction Reports Act to disclose details of financial
transactions and we may also be compelled under tax laws to provide
such information. This is to your benefit, and helps us to provide
the products and services you would expect from us.
Before we disclose any of your personal information to any other organisation, we will take reasonable steps to ensure that the organisation has the same commitment as us to the protection of your personal information; and that you have consented to us doing so. By consent, we mean approval in writing, orally, or implied from your dealings with us.
Updating Your Information
It is important for us, and for you, that the information we hold is accurate and up to date. In this, we rely on you to help us. We ask that you contact us whenever there are any changes to your personal details, so that we can update our records.
The information we hold about you is yours to access and correct, and as such we can provide you with general information such as your name, address, and contact details quite easily.
More detailed information may not be easy for us to access, and if necessary a small fee may be charged for the cost of retrieving and supplying the details you want. This process may take up to 25 working days from your request. If you need to access your detailed information, just write to us at the following address:
Fincept
P O Box 313
Milsons Point NSW 1565
Storing Personal Information
We take all reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or exposure. We require all staff to maintain the confidentiality of customer information. Access to information is restricted to employees whose job requires access to the information. Access to our computer system is restricted through password protection.
Changes To This Privacy Policy
We may change this privacy policy from time to time to comply with new laws or codes of practice that may be developed and we may also change this policy to include any new products or services we may provide from time to time
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