Your privacy
is very important to us. Below are the guidelines we have adopted
from the Mortgage Industry Association of Australia for using
and protecting any information you supply to us.
Our commitment to protect your
privacy
Lighthouse Finance Group wants to provide you with the best
possible service by providing the best possible financial products
and services.
We understand how important it is to protect your personal information.
This document sets out our Privacy Policy commitment for the
personal information you may be providing to us.
Our Privacy Policy ensures your right to privacy. We recognise
that any personal information we may obtain 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.
Who is Lighthouse Finance Group?
Lighthouse Finance Group is an organisation that offers financial
products and services within the mortgage industry. We process
and assess information for loan applications. We locate lenders
who are suitable to provide loans to you. We also market other
products.
Personal information
When we refer to personal information, we mean information from
which your identity is apparent. This may include information
or an opinion about you, from which your identity can be reasonably
ascertained.
Why we need your personal information
We collect and receive personal information from our customers
or from our referral partners in order to conduct our business,
the 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 need to share your personal information with
other organisations that provide the products or services used
or marketed by us.
The types of organisations to which we are likely to share information
about you include other mortgage brokers, lenders, valuers,
lender's mortgage insurers, surveyors, accountants, credit reporting
agencies and lawyers. We may also need to disclose your personal
information to other organisation that may have or is considering
having an interest in your loan or in our business.
How do we obtain this personal
information?
Where reasonable and practical, we will only obtain your personal
information directly from you.
To whom will we disclose your personal
information?
Where possible, we will inform you before the time of obtaining
your personal information and of 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 the organisation has a commitment to protecting your personal
information at least equal to our commitment and 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.
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 don't wish to receive marketing information, you may
at any time decline to receive this information by phoning our
office on 02 9222 9991 or by writing to us at P.O. Box 700,
Milsons Point NSW 1565.
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 inform
us if the information we hold about you is inaccurate or incomplete.
Access to your personal information
We will provide you with access to the 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.
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. An explanation will be
provided to you, if we deny you access to your personal information
we hold.
Business without identifying you
In most cases, 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 personal information.
Such a situation could 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
can include information on your memberships in trade or professional
associations, criminal record or health.
How secure is the personal information
we hold?
We will take steps to protect your personal information by storing
it within a secure
environment. When the information is no longer needed for any
purpose, it will be destroyed or permanently de-identified.
We will also take steps to protect any personal information
from misuse, loss or
unauthorised access, modification or disclosure.
Further information
You may request further information about the way we manage
your personal information by writing or emailing to us.
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 marketplace practice.
As a consequence, we may change our Privacy Policy from time
to time as the need arises.
This Privacy Policy came into existence on the 21 December 2001.
