 |
 |
 |
 |
 |
 |
 |
Our privacy policy ensures your right to privacy as we recognise 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 ensuring protection of your personal information. 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.
|
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.
|
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, 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, lender, valuers, lenders mortgage insurance, surveyors, accountants, credit reporting agencies 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.
|
Where reasonable and practical we will collect your personal information only directly from you.
|
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 disclosure of any of your personal information to another organisation, we will take all reasonable steps to satisfy ourselves that:
• The organisation has a commitment to protecting your personal information at least equal to our commitment. • 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 the Australian Taxation Office.
|
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 organisation, 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 office. 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.
|
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 assist us by informing us if the information we hold about you is inaccurate or incomplete.
|
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 on our Contact Us page. We may charge a fee for our costs in retrieving and supplying the information to you.
|
There may be situations where we are not required to provide you with access to your personal information. For example, such a situation would entail 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 we hold.
|
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 enquiries 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.
|
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 writing or emailing to the addresses specified on our Contact Us page.
|
We are constantly reviewing all our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and marketplace practice. As a consequence we may change this privacy policy from time to time as the need arises.
|
The details you give us may be used to inform you about any special offers we think will be of interest to you to update you on new products and services or changes to our website. We may also send you details of offers of services provided by our business partners. You may at any time choose not to receive these communications. Doing so will not cost you anything, our aim will be to ensure you stop receiving any unwanted communications as soon as possible.
|
From time to time Alpha Lending may use independent contractors to provide services on behalf of our company.
|
From time to time this website may use authorised consultants including but not limited to companies directly or partially owned by Alpha Lending or independent contractors (referred to as "Authorised Providers") to provide services on behalf of participating financial service companies, who may have services that are of interest to you. By supplying your details one of our authorised consultants may contact you and discuss your personal needs.
|
This website or any Authorised Provider may receive a fee for any business conducted with your consent. This fee is not paid by you but may be paid by a supplier of a product you ultimately purchase via the introduction made by the Authorised Provider. You should not be charged a fee by any Authorised Provider so if you are charged then please contact us and we will look into the matter. You may have to pay fees to any participating financial service company for a service that you have agreed to purchase.
|
This website and our Authorised Providers cannot guarantee any service offering from any participating financial services company, we can only introduce you to these companies. You must decide to take up any offerings that participating financial services may offer you.
|
The information and material provided on or through this website is provided as general information only and should not be regarded as a substitute for professional legal or financial advice. Prior to entering into any service offered by a participating financial service company you should make your own professional enquiry and seek independent financial advice tailored to your specific circumstances and objectives. The reports and statistical data provided by the website service (collectively "the information") are derived from third party data collection companies and from information supplied by participating financial service companies. We do not accept any liability for any act or omission of others supplying the information, including but not limited to those participating financial service companies.
|
 |
 |
 |
 |
 |
 |