Disclaimer
Privacy Policy
OUR COMMITMENT
Select Finance Brokers Pty Limited (Select Finance, the company) and its Mortgage Broker staff (brokers) are committed to protecting the privacy of your personal information. This document aims to provide you with useful information regarding how your personal information will be handled. Should you wish to discuss any aspect of our privacy policy, please contact us:
Select Finance Brokers Pty. Ltd. 185 Port Road, Queenstown SA 5014
GPO Box 494 Walkerville SA 5081 Ph: 08 8447 5483 Fax: 08 8447 5512
Email: info@select-finance.com.au
Web: select-finance.com.au
COLLECTING AND USING YOUR PERSONAL INFORMATION
Privacy Consent
Execution
You will be asked to consent to executing, as part of your documentation with our complaint, a Privacy Act Acknowledgement and Consent form (P/Act). This gives consent to us using personal information about you for the purpose of arranging or providing credit, insuring credit, and for direct marketing of products and services offered by us or any organisation we are affiliated with or represent.
The information provided by you will be held by us. You can gain access to the information by contacting us. You have the right to request not to receive direct marketing material.
We may disclose personal information about you as required by law, or to organisations involved in providing credit to you, any of our associates or contractors, (including, for example, stationery printing houses, mail houses, lawyers, accountants), or people considering acquiring or taking an interest in our business or assets.
Using and disclosing your personal information
Your personal information may be disclosed for purposes related to the provision to you of providing credit you have requested. The types of service providers that may be provided with your personal information are:
Other brokers, financial advisers and organisations involved in providing credit you have requested (which may include ongoing service) such as lenders who assist us in providing credit and administrative staff;
Lenders, superannuation trustees and product issues in connection with the provision to you of the financial advice you have requested;
Organisations that assist in operating a mortgage broking business, such as those that provide administrative, financial, accounting, insurance, research, legal, computer or other business services;
Your representatives or service providers, such as your accountant, solicitor, tax agent, broker, stockbroker or bank;
Organisations involved in a business restructure or a transfer of all or part of the assets of the mortgage broker or their employer’s (if any) business;
Government authorities and other organisations when required by law; and
Organisations that you have consented to your personal information being disclosed to.
COLLECTING AND USING YOUR PERSONAL INFORMATION
Outlines specific information relating to the way Select Finance will handle your personal information. The privacy of your personal information has always been important to us. This statement is an outline of certain matters relating to the collection and handling of your personal information by Select Finance.
Collecting your personal information
Personal information is collected by Select Finance in the course of offering: broking services or investment products such as home loans, investment loans, motor vehicle finance, personal loans, commercial loans, equipment finance, real estate investment products and related lifestyle products or services.
The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we may need to identify you. In some cases we may also collect the number and ages of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses.
If you are or may be acquiring, or have acquired a product or service from Select Finance, your information has been / will be collected for the purposes of:
Providing you with the relevant product or service
Managing and administering the product or service
Protecting against fraud where it is a banking and finance, or insurance product or service
Select Finance may also collect your personal information for the purpose of letting you know about products or services that might better serve your financial needs or promotions or other opportunities in which you may be interested.
If Select Finance does not obtain the information it seeks, it may not be able to:
Process your request
Manage or administer your product or service
Tell you about other products and/or services that might better serve your needs
Internet Cookies
When you visit our website, details may be recorded about your visit, such as time and date, your server address, pages accessed, time spent and type of browser. This information is used in an anonymous form for statistical purposes and as such cannot identify you individually. We may use cookies to identify your browser so that next time you visit our website we remember your log in details. A cookie is a small file which remains on your computer and contains information enabling our website to recognise your browser. If you do not wish to use cookies, you can adjust the settings on your browser to reject cookies or notify you when they are being used.
Third Party Websites
Our website contains a number of links to other websites, including the contact details and websites of our commercial partners. When this occurs be sure to check the privacy policy of those websites as we are not responsible for privacy practices of those other parties. Using and disclosing your personal information In line with modern business practices common to many financial institutions and to meet your specific needs (such as where you have a financial adviser) we may disclose your personal information to the organisations described below. Where your personal information is disclosed we will seek to ensure that the information is held, used or disclosed consistently with the National Privacy Principles in the Privacy Act 1988 (Commonwealth) (NCCP) and other applicable privacy laws and codes.
The relevant organisations are those:
Involved in providing, managing or administering your product or service such as third party suppliers, loyalty and affinity program partners, printers, posting services, call centres, lenders mortgage insurers, our business partners and our advisers
Other organisations to which personal information is usually disclosed, for the purposes of financial planning, such as superannuation and managed funds organisations and their advisers, organisations in which you invest and other organisations involved in our normal business practices (such as securitisation)
Other organisations to which personal information is usually disclosed, for the purposes of arranging insurances, such as medical professionals, medical facilities, health authorities, assessors, underwriters, reinsurers and fraud detection agencies and other organisations involved in our normal business practices
Involved in maintaining, reviewing and developing our business systems, procedures and infrastructure including testing or upgrading our computer systems
Involved in a corporate re-organisation
Involved in a transfer of all or part of the assets or business of Select Finance
Involved in the payments system including financial institutions, merchants and payment organisations
Involved in product planning and development
Which are your representatives, including your legal advisers
As required or authorised by law, for example, to Government or regulatory bodies for purposes related to public health or safety, the prevention or detection of unlawful activities or to protect public revenue
All staff and contractors to/of Select Finance
Where you have given your consent
Consent
It is our practice to seek your consent to use or disclose your personal information to tell you about other products or services from across our Group that might better serve your financial, e-commerce and lifestyle needs, or other promotions or opportunities in which you may be interested. This may be done after an initial marketing contact. We assume we have your consent to use service providers to assist us with this (such as a posting service or an advertising agency), unless you tell us otherwise. You can gain access to your personal information. This is subject to some exceptions allowed by law
Gaining access to your personal information and contacting us
You can gain access to your personal information held by us and/or your financial adviser/broker. In some circumstances, allowed by law, request for access can be denied. . We will give you reasons if we deny access. Contact us to get a form requesting access. In some cases, we may be able to deal with your request over the telephone, email or else in person. Your financial adviser or broker can be contacted by phoning Select Finance on 08 8447 5483.
Marketing opt out
If you do not want the benefit of receiving information about products and services (which may be supplied by Select Finance or related companies within our Group) then please tell us. You can do this at any time by either writing to us or telephoning us. Our contact details are displayed on the front page of this document.
Complaints
If you have any complaint about the manner in which Select Finance maintains the privacy of your personal information please do not hesitate to take the following steps.
Contact your broker on telephone 08 8447 5483 and tell them about your complaint.
If you feel your complaint was not satisfactorily resolved within three (3) days, please contact the Managing Director on 08 8447 5501 or put your complaint in writing and send it to us at 185 Port Road, Queenstown SA 5014. We will try and resolve your complaint quickly and fairly within the prescribed 45 day time frame.
If you still feel unsatisfied with the outcome of your complaint, you have the right to complain to the Office of the Privacy Commissioner. They can be contacted via telephone on 1300 363 992.
