National Mortgage Brokers --- Privacy

Since 21 December 2001, National Mortgage Brokers are bound by new sections of the Commonwealth Privacy Act 1988 which set out a number of principles concerning the protection of your personal information.

This Privacy Act Statement sets out important information about privacy protections we extend to your personal information. This statement relates to personal information that you provide to National Mortgage Brokers via our website.

OUR COMMITMENT TO PROTECT YOUR PRIVACY
National Mortgage Brokers Pty Ltd seeks to provide the best possible services to its customers by providing the best possible range of financial products and services. We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information that you may provide to us. Our Privacy Policy ensures your right to privacy as we recognize that any personal information we may collect 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.
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WHO IS NATIONAL MORTGAGE BROKERS PTY LTD?
National Mortgage Brokers Pty Ltd is an organization that offers financial products and services within the mortgage industry. We process and assess information in respect of loan applications. We locate lenders suitable to provide loans to you. We also market other products.
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PERSONAL INFORMATION
When we refer to personal information we mean information from which your identity is apparent. This information may include information or an opinion about you, from which your identity can reasonable be ascertained.
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WHY WE COLLECT YOUR PERSONAL INFORMATION
We collect and receive personal information from our customers or from other business referrers in order to conduct our business including 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 disclose your personal information with other organizations that provide products or services used or marketed by us. The types of organizations to which we are likely to disclose information about you include other lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting agencies and lawyers. We may also disclose your personal information to any other organization that may have or is considering having an interest in your loan, or in our business.
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HOW DO WE COLLECT YOUR PERSONAL INFORMATION?
National Mortgage Brokers collects personal information in a number of ways, including:
1. Directly from you when you enter your personal details on our website whilst enquiring about or applying for products and services, when you provide information by phone; and/or in documents such as an application form;
2. From third parties such as our affiliate partners;
3. From publicly available sources of information; or
4. From our own records.
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TO WHOM WILL WE DISCLOSE YOUR PERSONAL INFORMATION?
Where possible, we will inform you at or before the time of collecting your personal information, the types or organizations that we intend to disclose your personal information to. Prior to disclosing any of your personal information to another organization, we will take all reasonable steps to satisfy ourselves that; (a) the organization has a commitment to protecting your personal information at least equal to our commitment; and (b) you have consented to us doing so. Sometimes we are required or authorized 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.
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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 organization or new products or services being offered by us or any company we are associated with. If you do not wish to receive marketing information, you may at any time decline to receive such information by advising us by email to "loans@nmb.com.au" or by writing to us at Level 6, 190 Queen Street, Melbourne, 3000. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest opportunity.
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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 may 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 in informing us if the information we hold about you is inaccurate or incomplete.
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ACCESS TO YOUR PERSONAL INFORMATION
We will provide you with access to your personal information we hold about you. You may request access to any of the personal information we hold about your 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.
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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, or if your request is vexatious. An explanation will be provided to you, if we deny you access to your personal information we hold.
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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. Such a situation would 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 defense of a legal claim. Sensitive information is information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional association or trade unions, sexual preference criminal record or health.
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HOW SAFE AND SECURE IS YOU PERSONAL INFORMATION THAT WE HOLD?
We will take reasonable steps to protect your personal information by storing it in a secure environment, and when the information is no longer needed for any purpose for which the information may be used or disclosed, it will be destroyed or permanently de-identified. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorized access, modification or disclosure.
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FURTHER INFORMATION
You may request further information about the way we manage your personal information by writing or emailing.
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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 market place practice. As a consequence we may change this privacy policy from time to time or as the need arises.
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HOW TO CONTACT US
Please attention any correspondence relating to the National Mortgage Brokers Privacy Act Statement to the Privacy Officer @:

Level 6, 190 Queen Street
MELBOURNE 3000; or
loans@nmb.com.au