Protecting your privacy is important to
Trustar Mortgage (ABN 40793457099 'Trustar ').
Every time we collect or otherwise deal
with your personal information, we will be regulated by
the National Privacy Principles contained within the
Privacy Act 1988 (Cth). Trustar Mortgage has developed
this Privacy Statement to inform you about how Trustar
Mortgage will collect, hold, use, and disclose personal
information of our customers or other individuals, how
individuals can gain access to personal information held
by us and how an individual may inquire about how we
deal with personal information.
Collection of your personal
information
We only collect your personal information
where that personal information is necessary for one or
more of our functions or activities. Depending on your
relationship with us, this information may include, but
is not limited to the following information:
If you are applying for an Trustar
Mortgage product or service, information such as:
-
your
name, address, employment details (including previous
employment details), contact details, date and place
of birth, sex, property and mortgage details, and
information about your assets and liabilities;
-
information
we receive from consumer reporting agencies, such as
your creditworthiness and credit history; and
When collecting this personal information,
we will do so only by lawful and fair means and not in
an unreasonably intrusive way.
When collecting personal information about
you which, for the purposes of the Privacy Act is
regarded as sensitive information or health information,
we will collect that information from you or from third
parties only with your consent.
At or before the time we collect personal
information about you (or if that is not practicable, as
soon as practicable thereafter), we will provide you
with a statement outlining certain basic facts
concerning us and our information handling practices as
required by the Privacy Act.
Where it is reasonable and practicable to
do so, we will only collect personal information about
you from you directly and not from third parties.
However, in many instances, this will not be
practicable. If we collect personal information about
you from a third party then we will take reasonable
steps to ensure that you receive the information that we
are obliged to make you aware of. This may involve us
contacting you directly, or a third party discharging
our obligations on our behalf.
We may collect certain information about
you using cookies, whenever you access our site or the
World Originate system. The personal information
collected is only used for statistical purposes to
monitor use of our site or the World Originate system.
Personal information collected in this manner is not
used for any other purpose or to contact people
directly.
Use and disclosure of your personal
information
Trustar Mortgage collects, uses and
discloses your personal information for a range of
purposes. These purposes depend largely upon your
relationship with us.
We will use personal information for the
primary purpose for which it was collected. The primary
purpose of collection is the main reason we collect your
personal information in the first instance. For a
customer, the primary purpose may be for us to provide
you with our products or services including the
facilitation of the assessment of your application for
finance and the subsequent provision of finance, for a
job applicant it may be to assess your application.
Generally speaking, Trustar Mortgage uses
and discloses personal information for purposes such
as:
-
to
assess your application for finance;
-
to
provide and maintain finance to you;
-
for
associated administrative purposes, such as billing
and processing of your account;
-
facilitating
the conduct of business relationships with you;
-
to
provide you with details of the latest offers or
specials in relation to Trustar Mortgage products and
services;
-
to
investigate and resolve complaints concerning the
provision of services by us or others associated with
us;
Trustar Mortgage contracts out various
services associated with our functions and activities.
This may involve the disclosure of your personal
information to other persons and organisations, both
within Australia and overseas.
Where Trustar Mortgage does disclose your
personal information to other parties it has in place
arrangements or understandings with those third parties
to ensure that your personal information is handled in a
manner consistent with our obligations under this
privacy policy. Where appropriate, we will ensure that
your personal information is de-identified before being
used or disclosed or destroyed or de-identified if it is
no longer necessary that it be retained.
The types of persons and organisations to
which Trustar Mortgage may disclose your personal
information include the following:
-
organisations
with whom we have arrangements or agreements for the
purpose of promoting our products or services and any
agents used by us in administering such arrangements
or agreements;
-
our
agents, contractors and external advisers who carry on
our functions and activities or who assist us to carry
on our functions and activities from time to time;
-
other
parties necessarily involved in the provision of
finance to you such as solicitors and accountants
(Trustar Mortgage's and an individual's), mortgage
insurers, credit reporting agencies, general insurers,
conveyancers, valuers, debt collecting agencies and
government authorities; and
-
other
parties to whom we are authorised or required by law
to disclose information.
Consent and sensitive information
We rarely collect sensitive information
about you.
We will only collect sensitive information
from you or about you with your consent. In most case,
by supplying sensitive information about yourself you
will be taken to have given your consent to our
collection of that information.
In most instances, when we collect
personal information directly from you, we will obtain
your consent to use it for our various purposes. When we
obtain information from a third party we will usually
enlist that third party to obtain consent on our behalf.
In some situations, we will be able to collect sensitive
information about you with obtaining your consent. Where
this occurs, we shall comply with the Privacy Act at all
times.
Security and quality of your personal
information
Trustar Mortgage will take reasonable
steps to ensure that any of your personal information
that we collect, store, use or disclose is accurate,
complete and up to date.
We will also take reasonable steps to
protect your personal information from misuse and loss
and from unauthorised access, modification or disclosure
in accordance with the requirements of our privacy
policy and the Privacy Act.
Requests for access to and correction of
your personal information
You may request details of the personal
information we hold about you, by writing to or
contacting us at any time.
No fee will be charged for making the
request. We may however charge a fee for the provision
of this information to cover administrative costs. We
will inform you of any fee at the time a request is
made.
In general, we will allow access to the
personal information we hold about you. However, we may
deny access to personal information to you to the extent
that:
-
providing
access would pose a serious threat (or in the case of
personal information other than health information, a
serious and imminent threat) to the life or health of
any individual; or
-
providing
access would have an unreasonable impact upon the
privacy of other individuals; or
-
your
request for access is frivolous or vexatious; or
-
it is
otherwise appropriate for us to deny access in
accordance with the Privacy Act.
We will not deny you access to any
personal information following an access request without
providing you with a reason for the denial.
Where providing access would reveal
evaluative information generated within Trustar Mortgage
in connection with a commercially sensitive
decision-making process, we may give you an explanation
for the commercially sensitive decision rather than
direct access to the information.
If you are aware that any of your personal
information is inaccurate, incomplete or out of date
following an access request, or because your
circumstances have changed, please inform us so that we
can update our records. We will correct any incorrect
personal information and will not refuse to make a
correction without providing you with a reason for the
refusal. However, if we do refuse to make a correction,
we will take reasonable steps to place with the disputed
information a statement from you claiming that the
disputed information in your opinion is not accurate,
complete or up-to-date.
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