UNITED PERMANENT HOME LOANS
ABN 21 425 208 361
PRIVACY POLICY STATEMENT
(PRIVACY ACT, 1988)
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1. The
National Privacy Principles |
Since 21 December 2001, most private sector organisations
in Australia have been required, by law, to comply with the
National Privacy Principles. UPHL acknowledges that it is
bound by and will comply with the NPPs. |
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2. Collecting
personal information about you |
The kinds of personal information we hold
We only collect personal information that is necessary for
us to perform our functions and activities which consist of
the origination and administration of loans and related activities.
The kinds of personal information we collect and hold will
depend upon your dealings with us and the circumstances in
which it was collected, but may include:
Information you provide to us when you apply for a loan or
when you offer to guarantee a loan. This information will
include your name, address and contact details, and, if applicable,
identification information relevant to applications requiring
compliance with the Financial Transactions Reports Act.
Financial information about you such as your financial position
and details of your salary or wage, and information obtained
from credit checks carried out during the loan approval process
(but only if you have authorised such checks to be carried
out).
Information about the progress of any loan provided to you,
or which you have guaranteed, including your communications
with us.
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3. Using
and disclosing your personal information |
The purposes for which we collect and hold personal
information and how we use and disclose it
We respect your privacy. Any personal information which we
collect about you will be used by us to assess your application
for a loan or offer to provide a guarantee, and to facilitate
provision and administration of loans and related activities.
In order to do this, we may disclose your personal information
to:
professional
advisers such as solicitors, accountants and valuers;
mortgage insurers;
underwriters;
government
agencies such as those which administer land titles and revenue
or (where applicable) foreign investments;
credit
reporting agencies and mercantile agents;
external
auditors; and
other
organisations which participate in funding, providing and
administering your loan or the loan you have guaranteed, such
as the trustee of the
fund from which the loan is sourced.
We
may also use your personal information to provide you with
information about other products and services offered or distributed
by us.
To do that we may disclose your information
to our service providers (see below).
Contracting out services and disclosures
We also disclose personal information to organisations to
whom we outsource functions, such as mailing and printing
houses, IT providers or a mortgage servicer which organisations
assist us to service and administer your loan or the loan
you have guaranteed, or provide you with information about
products and services offered or distributed by us.
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4. Access
to your personal information |
In most cases, you can gain access to personal
information that we hold about you. We will handle requests
for access to your personal information in accordance with
the NPPs. Requests for access should be directed to the Privacy
Officer, whose contact details are set out below. |
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5. What
to do if you would like more information about how we manage
your personal information or wish to complain about a breach
of your privacy |
If you would like more information about the way
we manage our personal information or are concerned that we
may have breached your privacy and wish to make a complaint,
please contact us by calling us on 1300 782 245 or by writing
to us at the postal or email address set out below.
United Permanent Home Loans 183 Victoria Road, Gladesville NSW 2111, Fax: (02) 9817 8544, email address enquiries@unitedpermanent.com.au
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6. Changes
to our privacy policy |
From time to time it may be necessary for us to
review and revise our privacy policy. We reserve the right
to change our privacy policy at any time. We may notify you
of any change to our privacy policy by any means we choose
including by email, by other electronic communication, by
sending you a revised copy or by otherwise informing you that
a revised copy of our privacy policy is available on request. |
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