Our Privacy Policy
At ‘SMART Loans & Conveyancing’, we are committed to protecting your privacy in accordance with the Privacy Act 1998 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.
What information do we collect and how do we use it?
We will ask you for personal information when we assist you with your finance. We use the information you provide to advise about and assist with your credit needs. We only provide your information to the companies with whom you choose to deal (and their representatives).
We also use your information to send you requested product information and to enable us to manage your ongoing relationship with us e.g. invoicing, client surveys etc. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.
We may occasionally notify you about promotions, new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post. If you would rather not receive this information, email or write to us.
We may also use your information internally to help us improve our services and help resolve any problems.
What if you don’t provide some information to us?
If you don’t provide us with full information, we can’t properly advise or assist you with your credit needs.
How do we hold and protect your information?
We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.
We hold the information we collect from you either hard-copy or electronic records on our premises and systems or offsite using trusted third parties.
We ensure that your information is safe by the use of firewalls, and virus scanning tools to protect against unauthorised persons and viruses accessing our systems. We continually train and remind our staff of their obligations with regard to your information. When we send information overseas or use third parties that handle or store data, we ensure that appropriate data handling and security arrangements are in place.
Will we disclose the information we collect to anyone?
We do not sell, trade, or rent your personal information to others.
We may need to provide your information to our credit licensee e.g. for administration and supervision activities, contractors who supply services to us e.g. to handle mailings on our behalf, or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.
We may also provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.
How can you check, update or change the information we are holding?
Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.
If you wish to access or correct your personal information, please write to Arvind Bagla at arvi@smartlc.com.au
We do not charge for receiving a request for access to personal information or for complying with a correction request. We do not charge for providing access to personal information.
Your consent
By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided to us for the purposes described above.
Tell us what you think
We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact Arvind Bagla at arvi@smartlc.com.au
Complaints
Internal Dispute Resolution
If you do have a complaint, please let us know by email, because if we don’t know about it we can’t fix it. You may contact us by email addressed to arvi@smartlc.com.au.
Please make sure you include as much information as you can. You must do this in writing. When we receive a complaint, we will attempt to resolve it promptly.
Disclaimer statement: This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.
Copyright © 2017-2018 | ‘SMART Loans & Conveyancing’ is trade mark of Bagla Investments Pty Ltd | ABN 70390801347
Credit Representative No 503215 is authorised under Australian Credit Licence 389328
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MORTGAGE BROKER WILLIAMS LANDING, MORTGAGE BROKER POINT COOK