| OUR
COMMITMENT TO PROTECT YOUR PRIVACY
Real People Finance Pty
Ltd seeks to provide the best possible service
to its customers by providing the best possible
range of financial products and services.
We understand how important
it is to protect your personal information. This
document sets out our Privacy Policy commitment
in respect of personal information that you may
provide to us.
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.
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WHO
IS REAL PEOPLE FINANCE PTY LTD?
Real People Finance Pty
Ltd is an organisation that offers financial products
and services within the mortgage industry. We
process and assess information in respect of loan
applications. We locate funders suitable to provide
loans to you. We also market other products.
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PERSONAL
INFORMATION
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.
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WHY
WE COLLECT YOUR 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, 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, 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.
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HOW
DO WE COLLECT YOUR PERSONAL INFORMATION?
Where reasonable and practical
we will collect your personal information only
directly from you.
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TO
WHOM WILL WE DISCLOSE YOUR PERSONAL INFORMATION?
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 disclosing any
of your personal information to another organisation,
we will take all reasonable steps to satisfy ourselves
that:
(a) the organisation has
a commitment to protecting your personal information
at least equal to our commitment; and
(b) 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 to the Australian Taxation Office.
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DIRECT
MARKETING
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
offices by telephoning 1300 78 11 66 or by writing
to us at PO Box 411, Hornsby NSW 2077. 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.
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UPDATING
YOUR PERSONAL INFORMATION
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 in informing us if the information we hold
about you is inaccurate or incomplete.
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ACCESS
TO YOUR PERSONAL INFORMATION
We will provide you with
access to your 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 above. We may charge a fee for our costs
in retrieving and supplying the information to
you.
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DENIED
ACCESS TO PERSONAL INFORMATION
There may be situations
where we are not required to provide you with
access to your personal information. For example,
such a situation would be 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.
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BUSINESS
WITHOUT IDENTIFYING YOU
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
inquiries 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. Sensitive information is information
relating to your racial or ethnic origin, political
persuasion, memberships in trade or professional
association or trade unions, sexual preferences,
criminal record, or health.
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HOW
SAFE AND SECURE IS YOUR PERSONAL INFORMATION THAT
WE HOLD?
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.
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FURTHER
INFORMATION
You may request further
information about the way we manage your personal
information by writing or emailing.
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CHANGE
IN OUR PRIVACY POLICY
We are constantly reviewing
all of our policies and attempt to keep up to
date with market expectations. Technology is constantly
changing, as is the law and market place practice.
As a consequence we may
change this Privacy Policy from time to time or
as the need arises.
This Privacy
Policy came into existence on the 24 July 2002.
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