Chris Szigeti & Associates Pty Ltd T/as CSA FINANCE & MORTGAGES CAN DO is committed to complying with Commonwealth legislation governing privacy of personal information by businesses and to protecting and safeguarding your privacy when you deal with us.
How we collect personal information
When we refer to “personal information”, we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you, whether true or not. Where reasonable and practical, we will collect your personal information directly from you.
We collect personal information from you through our credit representatives (brokers), when interviewing you, from our website and from competitions and promotions to which you choose to respond.
The personal information we collect
The type of personal information we collect may include your name, date of birth, address, account details, occupation and any other information we may need to identify you. If you are applying for a loan we collect the number and ages of your dependants, the length of time you have lived at your current address, your employment details, proof of income and expenses and other financial details.
You may choose not to provide any optional information requested by us; however this may restrict our ability to assist you.
If you give us personal information about another person, you represent that you are authorised to do so and agree that you have obtained consent from that person for us to use and disclose their personal information. They may access any personal information we hold about them.
How we use your personal information
We use your personal information to assist us to:
1. Assess your application for credit, manage that credit application and any future applications for credit
2. Make recommendations to you in respect of risk insurance and refer you to an Insurance adviser.
4. Make recommendations to you in respect of superannuation products, including self-managed superannuation funds (SMSF)
6. Communicate information about our products and services to you
7. Meet our internal administrative, marketing, planning and research requirements
We will take reasonable steps to destroy or de-identify your personal information when your personal information is no longer required for one of the above purposes.
Disclosure of your personal information to others
Where possible, we will inform you, at or before the time of collecting your personal information, of the types of organisations to which we intend to disclose your personal information. We may disclose your personal information to our related bodies corporate, credit representatives, financial advisers, panel of approved lenders or financial product suppliers and advisers, service providers and agents that we use in the ordinary operation of our business. For example, if you provide us with personal information to assist us find you a suitable loan, we may collect personal information about you and disclose it to one of our credit representatives or a member of our lender panel.
We will disclose your personal information only for the purpose/s for which we collected the personal information. Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
• The person or organisation has a commitment to protecting your personal information at least equal to our commitment; or, if required,
• You have consented to us doing so. We will disclose your personal information to those third parties only where such disclosure is for the purposes required. We will disclose your personal information when we are required by law to do so. We may use cloud storage to store your personal information that we hold. We do not disclose your personal information outside of Australia.
From time to time, we may use your personal information to provide you with current information about loans, special offers you may find of interest, changes to our organisation, or new products and services being offered by us or any business with which we are associated. We do not sell your personal information for direct marketing purposes.
If you do not wish to receive marketing information, you may, at any time, decline to receive such information by contacting us on the details listed below. If the direct marketing is by email, you may also use the unsubscribe function included in such emails. We will not charge you for giving effect to your request and we will take all reasonable steps to satisfy your request at the earliest possible opportunity.
Our web site may contain links to other web sites and those third party web sites may collect personal information about you. We are not responsible for the privacy practices of other businesses or the content of web sites that are linked to our web site. Chris Szigeti& Associates Pty Ltd T/as CSA FINANCE & MORTGAGES CAN DO encourages users to be aware when they leave the site and to read the privacy statements of each and every web site that collects personally identifiable information.
Updating your personal information
It is important to us 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 by informing us if the information we hold about you is inaccurate or incomplete.
Access to and correction of your personal information
You may request access to any of the personal information we hold about you at any time. In such instances, we will provide you with access to that information. To access your personal information that we hold, use the contact details specified below. We will respond to you within seven days of receiving your request. We may need to contact third parties to properly investigate your request. We will provide you with the outcome of our investigation within thirty days. There may be situations where we are not required to provide you with access to your personal information, for example if the information relates to existing or anticipated legal proceedings or if your request is vexatious. An explanation will be provided to you if we deny you access to the personal information about you that we hold.
If any of the personal information about you that we hold is incorrect, inaccurate or out-of-date, you may request that we correct the information. We will provide an initial response to you within seven days of receiving your request. Where reasonable and after our investigation, we will provide you with details about whether we have corrected the personal information within thirty days.
We may need to consult with third parties as part of our investigation about the accuracy of the personal information about you that we hold. If we refuse to amend personal information, we will provide you with our reasons for not amending the information.
We exchange your credit information with credit reporting bodies. We use the credit information that we exchange with the credit reporting body to assess your creditworthiness, assess your application for finance and manage your finance.
If you fail to meet your payment obligations in relation to any finance that we have provided or arranged or you have committed a serious credit infringement then we may disclose this information to a credit reporting body.
You have the right to request access to the credit information that we hold about you and make a request for us to correct that credit information if needed. Sometimes your credit information will be used by credit reporting bodies for the purposes of ‘pre-screening’ credit offers on the request of other credit providers. You can contact the credit reporting body at any time to request that your credit information is not used in this way.
You may contact the credit reporting body to advise them that you believe that you may have been a victim of fraud. For a period of 21 days after the credit reporting body receives your notification the credit reporting body must not use or disclose that credit information. You can contact any of the following credit reporting bodies for more information:
veda.com.au, dnb.com.au, or experian.com.au.
Government Related Identifiers
If we collect government identifiers, such as your Tax File Number, we do not use or disclose this information other than as required by law. We will never use a government identifier in order to identify you.
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. For example, if you make general enquiries about interest rates or current promotional offers.
How we store your personal information
We take all reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or exposure by:
• Installing security and access requirements for all our IT systems, such as passwords, firewalls and virus scanning software
• Maintaining document storage and destruction policies
• Providing your personal information to you only when we are satisfied as to your identity. We store your personal information in both electronic and paper form. We require all staff to maintain the confidentiality of customer information. Access to personal information is restricted to employees whose job responsibilities require access to the information. If we no longer need to hold your personal information, it is securely destroyed or de-identified.
Contacting us and providing feedback
If you are not satisfied with how we have managed your personal information, you may contact our Privacy Officer below. We will acknowledge your complaint within seven days of receipt. We will provide you with a decision on your complaint within thirty days of receipt. You can make any requests relating to your personal information held by us or any complaints regarding treatment of your privacy by contacting:
P.O. Box 1054
Surfers Paradise Qld 4217
If you are dissatisfied with the response of our complaints officer you may make a complaint to our External Dispute Resolution Scheme, the Financial Ombudsman Service (FOS) which can be contacted on either www.fos.org.au or 1300 78 08 08 or the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992.
We may amend this Policy from time to time to comply with new laws or codes of practice that may be implemented. We may also change this Policy to include any new products or services that we may provide from time to time.