At Loan Services Australia we understand how important it is to protect your personal information. Enclosed are some privacy policy principles to show our commitment to you in respect of personal information that you may provide to us.

Our Privacy policy ensures your right to privacy as we recognise that any personal information we may collect about you will only be used for the purpose 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 to you regarding your 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.

DIRECT MARKETING
The details you give us may be used to provide you with information about mortgage loans, any special offers we think will be of interest to you, and to update you on new products and services or changes to our website or organisation.

You may at any time choose not to receive these communications by contacting or office on 1300 304 572.

We will not charge you for giving effect to your request and will take reasonable steps to meet your request at the earliest possible opportunity.

WHAT IS MEANT BY 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 be reasonably ascertained.

WHY WE COLLECT YOUR PERSONAL INFORMATION
We collect and receive personal from originators, our customers or from other business referrers in order to conduct our business, including assessing and obtaining approval for loans. If we are unable to get the sufficient information we may involve some other organisation eg. a credit report from a credit reporting agency when we require a credit facility and 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 to other organisations that provide products and services used or marketed by us. The types of organisations to which we are likely to disclose information about you include other mortgage intermediaries, lenders, funders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting agencies, and lawyers.

We may also disclose your personal information to any other organisation that may have or is considering having an interest in your loan, or in our business.

HOW DO WE COLLECT YOUR PERSONAL INFORMATION?
We may contact you or your Mortgage Originator at the email or other address, which were provided to us in order to:

-Request further information which may be of interest to assist us in processing your loan.
-To send you your documents or other information relating to you loan.

TO WHOM WILL WE DISCLOSE YOUR PERSONAL INFORMATION?
Before we disclose your personal information to any other organisation we will take reasonable steps where possible, to inform you, before the time, of the types of organisations that we intend to disclose your personal information to. We will ensure that the other 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.

HOW SAFE AND SECURE IS YOUR PERSONAL INFORMATION THAT WE HOLD?
We take great care to protect your personal information from misuse, loss, modification, disclosure or unauthorised access by storing it in a secure environment. 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 take reasonable care to make sure that we keep your information in an accurate, complete and up to date manner.

ACCESS TO YOUR PERSONAL INFORMATION
At your request we will provide you with access to your personal information we hold about you at any time.

Please use the contact details provided or contact us on 1300 304 572. You may be charged a fee for our retrieving and supplying this 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, or if your request is vexatious.

We will provide you with an explanation, if we deny you access to your personal information that we hold.

BUSINESS WITHOUT SUFFICIENT IDENTIFICATION FROM 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 defence 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 preferences, criminal record, or health.

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. This privacy policy came into existence on the 21 December 2001.

FURTHER INFORMATION
You may request further information about the way we manage your personal information by writing or emailing.