Car & Home Finance Pty Ltd (“CHF”) is bound by the National Privacy principals under the Privacy Act of 1988, therefore our Privacy Policy affirms your right to privacy through the following guarantees:
CHF will only use any personal information collected by us for the purposes outlined within this policy
You may feel assured that any information collected by CHF (or any authorised representative) will be respected and remain secure.
Any authorised representative or affiliate of CHF (such as brokers, legal personnel, government bodies, surveyors, lenders mortgage insurance, accountants, mortgage intermediaries, valuers or lenders) are bound by the same privacy laws and principals as CHF.
Personal Information
Personal information pertains to information of a sensitive nature and related directly to an individual and their identity. Such information can include a history or an opinion which can clearly identify an individual.
Examples of personal information CHF collects:
- loan applications
- CRAA files
- Vicroads searches
- Loan contracts
- Title searches
- Instrument searches
- Bank account statements and history
- Identifcation and loan statements.
Website Privacy
Car & Home Finance may employ the use of 3rd parties to save advertising on our website and to provide our clients with a direct link to relevant information. These parties may use cookies to measure the effectiveness of their advertising. Any information collected by these cookies remains anonymous (no personal information is collected and the information is usually quantitive not qualitative).Why is Personal Information Collected?
CHF collects personal information in order to:
- Conduct our business
- Assess and obtain loan approval
- Offer products & Services (e.g refinancing)
Maintain a business relationship with our clients
Obtain services with other organisations employed by us (please see list under authorised representative).
How Do We Collect Personal Information?
CHF collects and receives personal information from our clients only; where practicable.To Whom is your Personal Information Provided?
CHF does not share or sell your personal information and is bound by the Privacy Act to ensure your information remains secure. There are circumstances however where your personal information is required to be disclosed by law. An example of such would be where a Court or Tribunal may request or subpoena the information or where the information is required by the Australian Taxation Office.
Please be advised that in all other circumstances (i.e where you are not bound to supply your information by law), we will take all reasonable steps to ensure that:
- You have consented to your information being supplied to a third party
- That the organisation receiving your information upholds the same values and principals that we do
Direct Marketing
At times we may use your personal information to provide you with material about mortgage loans, refinancing options, special offers, or areas of interest relating to you, changes to our organisation, or new products or services we or an affiliated company may offer. If you would prefer not to receive any of this type of correspondence or marketing information, you can notify us at any time by contacting our office and speaking to one of our consultants.Changes To Your Personal Information
It is essential to our relationship with you that we maintain a good, clear line of communication and to ensure that this is the case, we need to ensure that the personal information we hold about you is accurate and relevant. During the course of our relationship with you, we will enquire whether any aspect of your circumstances have changed since our initial consultation. You can provide us with any new information by contacting one of our consultants by telephone, facsimile, mail or email. We will largely rely on you to ensure that all your information is accurate and up-to-date.Accessing Your Personal Information
If you wish to access your personal information you can request to do so at any time. To access the personal information that CHF holds on you, please contact us by any of the methods listed above. Please note, we will require identification and signed authorisation by you and a retrieval fee may be charged.When Access To Your Information Is Denied
There may occasionally arise a situation whereby CHF is not required to provide you with your personal information. If your request were to contravene a Court order or the Law then this information would be withheld from you. If your information were to be withheld, CHF would provide an appropriate explanation.Security & Personal Information
We will take reasonable steps to protect and secure your personal information. Where the information will no longer be used and has not been used for more than 5 years, it will be discreetly destroyed.Further Information
If you require any further information or clarification on CHF’s privacy policy, please contact us in written form via email or post.Changes to Our Privacy Policy
CHF reserves the right to amend or make changes to our privacy policy as the need arises. This may be due to changes in government legislation, legal changes or marketplace practice or technology. To ensure we remain compliant with current trends and legal practices, as well as competitive within our market, we need to constantly review our policies and business practices.