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Our Commitment To You
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At Lending Specialist your privacy is important
to us. We understand that the information
you provide to us is personal and confidential. Lending Specialist
complies with the National Privacy Principles in the Privacy
Act (1988), the Mortgage Industry Association of Australasian
Code of Practice, the Code of Banking Practice and the credit
provider provisions in the Privacy Act (1988).
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This
Policy And Other Privacy Statements
This privacy policy
explains how we collect personal information
and how we maintain, use and disclose
that information. It also provides some
detail about your privacy rights along
with our general rights and obligations,
and our policy in relation to the personal
information we keep. In this policy, reference
to "we/us" means each member
of Lending Specialist
including companies that are related
to or owned by Lending Specialist.
When you apply for a
product or service, you may be asked to
read and sign a document about privacy
and requests for consent. Those privacy
consents specify in more detail how any
information about you may be used and
disclosed in relation to your dealings
with Lending Specialist.
When you apply for or use one of our products
or services, you consent to us collecting,
maintaining, using and disclosing personal
information about you and provided by
you or by another person in accordance
with the privacy consent and this policy.
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The
Collection Of Your Information
When you apply for a
product through Lending Specialist, we will need to collect
personal information from you. Personal
information means any details or opinion
about you from which your identity is
apparent or your identity can be uncovered.
The reasons why we would collect personal
information about you are:
? To assess your financial and credit
position when you apply for a product
or service from us.
? To ensure your security when visiting
our website and to learn which areas of
the site are of most interest to you.
In both of these cases,
we may use the information we gather to
provide targeted and value-added products
and services to you, through direct marketing.
These direct marketing offers and promotions
are designed to make your life easier,
not harder. So if you do not want to receive
them, just let us know when we contact
you.
We will always aim to
collect your personal information directly
from you. If for some good reason, we
are unable to do so, we may involve another
organisation. For example, we may need
to request a credit report from a credit-reporting
agency when you apply for a credit facility.
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Disclosure
of your information to another organization
At Lending Specialist, we want to provide our customers
with the very best products and services.
At times, we may partner with another
organisation to support the products and
services we offer. As you will appreciate,
in certain circumstances we may be compelled
by law to disclose your personal information
to various authorities. For instance,
we may be required under the Financial
Transaction Reports Act to disclose details
of financial transactions and we may also
be compelled under tax laws to provide
such information. This is to your benefit,
and helps us to provide the products and
services you would expect from us.
Before we disclose any
of your personal information to any other
organisation, we will take reasonable
steps to ensure that the organisation
has the same commitment as us to the protection
of your personal information; and that
you have consented to us doing so. By
consent, we mean approval in writing,
orally, or implied from your dealings
with us.
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Updating
Your Information
It is important for
us, and for you, that the information
we hold is accurate and up to date. In
this, we rely on you to help us. We ask
that you contact us whenever there are
any changes to your personal details,
so that we can update our records.
The information we hold
about you is yours to access and correct,
and as such we can provide you with general
information such as your name, address,
and contact details quite easily.
More detailed information
may not be easy for us to access, and
if necessary a small fee may be charged
for the cost of retrieving and supplying
the details you want. This process may
take up to 25 working days from your request.
If you need to access your detailed information,
just write to us at the following address:
Lending Specialist
P O Box 3574
Parramatta NSW 2124
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Storing
Personal Information
We take all reasonable
steps to protect your personal information
from misuse, loss, unauthorised access,
modification or exposure. We require all
staff to maintain the confidentiality
of customer information. Access to information
is restricted to employees whose job requires
access to the information. Access to our
computer system is restricted through
password protection.
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Changes
To This Privacy Policy
We may change this privacy
policy from time to time to comply with
new laws or codes of practice that may
be developed and we may also change this
policy to include any new products or
services we may provide from time to time
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