At HSG Financial, we value your privacy and are committed to protecting your personal information. This Privacy Disclosure explains how we collect, use, and safeguard your data.
We need to collect personal information about you to provide you with our broking and related credit services. This privacy statement tells you how we collect your information, what we use the information for and with whom we share the information. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection. In certain circumstances, we may also be required to collect sensitive information (such as health information) on behalf of the lender in the course of giving you credit assistance.
We will collect your information from you directly whenever we can, like from enquiries we make of you when you seek credit assistance from us. We may verify that information from sources referred to in the responses to those enquiries or in this privacy statement.
Sometimes we will collect information about you from other sources as
the Privacy Act 1988 permits.
We will do this only if it is reasonably necessary to do so, for
example, where:
We may use your information for purposes including:
You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable.
If you do not provide your information to us, it may not be possible to:
We may use and share your information with other organisations for any purpose described above.
We may share your information with:
We may share your information with third parties in relation to services we provide to you or goods or services in which we reasonably consider you may be interested. Those third parties may include:
From time to time, we may use approved overseas organisations or service providers to
help conduct our business. As a result, we may need to share some of your information
(including credit information) with such organisations outside Australia. These
organisations have an Offshoring Security Requirements approval in writing with both the
Mortgage Australia Group and/or the Australian Finance Group.
We may store your
information in cloud or other types of networked or electronic storage. As electronic or
networked storage can be accessed from various countries via an internet connection,
it’s not always practicable to know in which country your information may be held. If
your information is stored in this way, disclosures may occur in countries other than
those listed.
Overseas organisations may be required to disclose information we share with them under
a foreign law. In those instances, we will not be responsible for that disclosure.
If you give information to us about another person (like your co-applicant) in
relation
to the services we provide, you will let that other person know that:
we have
collected their information to provide those services or for any other purpose set
out
in this privacy notice,
we may exchange this information with other
organisations set out in this privacy notice, we handle their personal information
in the way set out in our Privacy Policy and this privacy notice and they can:
Should you be dissatisfied with the manner in which the Credit Representative has handled your personal information, please contact us on the details listed above. We will take all necessary steps to investigate and address your concerns. If the issue you have raised is not resolved to your satisfaction, you should contact the Office of the Australian Information Commissioner at :
Telephone: 1300 363 992
email: enquiries@oaic.gov.au
Mail address: GPO Box 5218, SYDNEY, NSW 2001
You can obtain a copy of our full Privacy Policy by contacting us using the details above. You can learn more about the Privacy Act and your rights at http://www.privacy.gov.auYou can find out more about how we manage your information by reading our Privacy Policy
available by contacting us. Please see our contact details above. Also, you can read and
obtain a copy of our Privacy Policy at the website address set out above. Our Privacy
Policy sets out how you can ask us to access and seek to correct information we hold
about you and how you may complain against us about a privacy issue.
By doing
business with us you agree that we may collect, use and disclose your information as
specified unless you have explicitly withdrawn your consent
You consent to us doing so and we may periodically provide you with information about new products and services available from us or from other businesses with whom we have a relationship. Your consent to our providing this information to you will be implied unless you notify us that you do not wish to receive this information.
You hereby authorise us to receive information from any lender about your credit affairs, and to provide any relevant real estate agent, lawyer, conveyancer, agent or person authorised by you to access your information, with details of whether finance has been approved for you, and if it has, the terms of that approval, including providing a copy of any approval letter.
You consent to us providing you with documents by electronic communication, you confirm that paper documents may no longer be given and electronic communications must be regularly checked for documents. Consent to the giving of documents by electronic communication may be withdrawn at any time.
You consent to us obtaining personal information, financial information and credit information about you by video or audio conferencing for the purpose of arranging credit, providing credit assistance and give your permission for that video or audio conference to be recorded for this purpose.
You consent to us obtaining your credit information (including both consumer and commercial credit reporting and eligibility information) from a credit reporting body on your behalf. We are authorised to use that information to assist us to provide services, including credit assistance, to you and to assist you to apply for credit.
By doing business with us, including providing us further information or correspondence after receiving this document, you agree that we may collect, use and disclose your information as specified unless you have explicitly withdrawn your consent.