At Home 2 Home it is important that you are confident that any personal information you provide to us is treated with the highest degree of integrity and privacy.
WHO ARE WE?
We are a Mortgage Broker and offer a wide range of finance and insurance products to property owners in Australia. Home 2 Home is a registered company having its principal place of business in Brisbane Queensland.
WHAT IS “PERSONAL INFORMATION”?
Personal information is any information about you that identifies you or by which your identity is apparent or can be reasonably determined. This information may include information or an opinion about you from a third party.
COLLECTING YOUR PERSONAL Information
We collect and receive personal information to enable us to conduct our business of arranging and/or facilitating financial and insurance products and other services on behalf of our customers. This information will include, but not limited to the following. Residential address, postal address, email address, home & mobile phone numbers, dependents and next of kin details. Identification documents such as drivers licences, Passports, or other such documents, tax file numbers, pay slips, bank statements, rates notices, credit card statements, insurance documents, and any other documents that are required to assist with your loan requirements.
If we do not collect this information we may not be able to fully assess your requirements and facilitate the most advantageous products or services for your particular purpose.
HOW DO WE COLLECT YOUR PERSONAL INFORMATION?
Where practical we will collect your personal information directly from you such as when you complete an application form for a product or request a product or service over the telephone or Internet.
Information may also be collected during the course of our relationship with you or received from another source such as Credit information or payment history we obtain about you from a credit reporting agency or a financier in the course of preparing an application for a loan on your behalf. Your employer may also confirm your employment in support of your application.
In most cases we will require your written consent to any collection, use or disclosure of your personal information by us; however in exceptional circumstances we may accept your verbal consent.
From time to time we may use your personal information to provide you with marketing information about our range of financial or insurance products, changes to our organisation, new products or other services being offered by us or any organisation we are associated with. Our usual method of contact will be by email; however we may also telephone or mail you in certain cases.
If you do not wish to receive any marketing information you may decline to receive such information by contacting our offices by telephoning (07) 5492-2680 (F) 07 5492-2680 or email firstname.lastname@example.org . We will take all reasonable steps to meet your request at the earliest possible opportunity.
Once you have told us you no longer wish to receive information about our products and services, we will not send you any further material, unless we are required by law to send such information to you.
Unless you have specifically agreed to our doing so, we will not disclose your personal information to any other party outside for the purposes of allowing them to direct market their products or services to you.
Unless you specifically agree and we arrange an appointment beforehand, we will not call personally at your residence or place of work.
Disclosing your personal information
As part of our business of arranging finance or insurance facilities we will need to pass the personal information we collect about you to Financiers and Insurers whom we approach on your behalf seeking loans and insurance for you.To enable your application to the Financiers and Insurers to be processed we may also need to disclose your personal information to:
- Accredited Credit Reporting Agencies and any current and past credit providers in respect your current and past credit payment history
- Your nominated referees, employers, etc to confirm the details you have provided to us
- Mail service providers who we may use from time to time for direct marketing or mailing of correspondence
- Third parties who may be providing security or a guarantee for your loan so as to allow them to fully assess their position
- Our Broker Group ‘Choice’, or their parent NAB
- Professional Advisers to our business such as accountants or lawyers
By collecting personal information, we
- Arrange and administer products and services
- Work out your requirements and apply, on your behalf, for the appropriate product or service
- Improve our financial products and services
- Maintain your records and protect you from unauthorised access to your personal information
WHAT DO FINANCIERS AND INSURERS DO WITH YOUR PERSONAL INFORMATION?
Updating your personal information
It is very important that the personal information we collect from you is accurate, complete and up-to-date so that we may continue to carry on our business. During the course of our relationship with you we may ask you to tell us of any changes to your personal information. You can contact us at any time to update your personal information or to tell us that the information we hold about you is inaccurate or incomplete. You may do this by contacting our Privacy officer whose details have been provided in this document..
SAFETY AND SECURITY OF YOUR PERSONAL INFORMATION.
We will take all reasonable precautions to protect your personal information from loss, misuse, unauthorised access, modification or disclosure by storing it in a secure environment and allowing access only to authorised persons. We may use cloud storage to store the personal information about you. The cloud storage and the IT servers may be located outside Australia.
In the extremely unlikely event that Home 2 Home Loans suspects that there has been a data breach that may cause you serious harm, we will take all reasonable steps to assess if your data has been accessed or lost, and if this information being accessed or lost may cause you serious harm. This assessment will always be completed expeditiously and within 30 days. If we find that there has been a data breach that has the potential to cause you serious harm, this will be reported to the Office of the Information Commissioner and you directly.
When your personal information is no longer required for the purpose for which it was used or disclosed it will be destroyed or permanently de-identified.
ACCESS TO YOUR PERSONAL INFORMATION.
You may request access to any of the personal information we hold about you at any time. To make a request for access to your personal information, please contact our Privacy Officer who’s details have been provided in this document. We will endeavour to respond to your request within 14 days unless the information you seek is not readily available, for example, archived data, in which case we will advise you of the time we estimate will be required to retrieve the information.
If personal information is provided to you as a result of a request, we reserve the right to charge you a fee for costs incurred in retrieving and providing that information such as photocopying, administration and postage.
We are not always required to provide you with access to your personal information upon your request.
Access to your personal information may be denied where providing access:
- will pose an unreasonable impact on the privacy of another individual
- would pose a threat to the life or health of an individual
- may prejudice an investigation or relate to an existing or anticipated legal proceeding with you
- is required or authorised by law
- is regarded as frivolous or vexatious
If access is denied we will provide you with reasons for our decision.
DO I HAVE TO BE IDENTIFIED?
In most cases it will not be possible for us to do business with you unless we have identified you.
We will usually ask you for photographic evidence such as a drivers licence or passport to confirm your identity, however we will not use any Commonwealth Identifiers such as Tax File Numbers, Medicare cards or the like and if these are provided in any information you give us we will not record them in our files.
Wherever it is lawful and practicable to do so, we may offer you the opportunity to deal with us anonymously, if you request it. For example, when making an inquiry about current interest rates applicable or the type of products or services we offer.
PASSING PERSONAL INFORMATION OUTSIDE AUSTRALIA.
We may use overseas organisations to help conduct our business. As a result, we may need to share some of your information (including credit information) with such organisations outside Australia.
The Countries in which those organisations are located are : N/A at this time.
We may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it is not always practicable to know in which country your information may be held. If your information is stored in this way, disclosures may occur in countries other than those listed.
Overseas organisations may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure.
We do not disclose your personal information to anyone outside Australia unless it is authorised to do so by Law.
Collecting “Sensitive Information”
We generally have no need to obtain sensitive information and therefore will not usually seek this from you. If such information is however needed in a special circumstance, such as health records to arrange insurance facilities, then it will only be obtained and/or used with specific consent from you.
Sensitive information can be information about your:
- Racial or ethical origin
- Political opinions
- Membership of a political association
- Religious beliefs or affiliations
- Philosophical beliefs
- Membership of a professional or trade association
- Membership of a trade union
- Sexual preferences or practices
- Criminal record
How to contact us
If you wish to lodge a request to access your personal information or have any queries or complaints with regards to our collection, use or management of your personal information you can contact us at:
The Privacy Officer
Home 2 Home Loans Pty Ltd
PO BOX 43
ASHGROVE WEST 4060 QLD. Telephone: (07) 5492-2680 Facsimile: (07) 5492-2680
If you are not satisfied with our response you can refer your complaint to the Federal Privacy Commissioner.
You can contact the Australian Information Commissioner at:
By telephone: 1300 363 992
By writing to:
Director of Complaints
Office of the Australian Information Commissioner
GPO Box 5218 SYDNEY NSW 2001.
You can gain access to the information we hold about you by contacting us at the address shown on this document or our website www.home2homeloans.com