Privacy Policy for John Saccasan
Financial Brokerage Services.
Who are we?
“We”, “us” and “our” refer to John Saccasan Financial
Brokerage Services, ABN 62101521043, Australian Credit Licence number 384109.
Our commitment to
protect your privacy:
We understand how important it is to protect your personal
information. This document sets out our privacy policy commitment in respect of
personal information we hold about you and what we do with that information.
We recognise that any personal information we collect about
you will only be used for the purposes we have collected it or as allowed under
the law. It is important to us that you are confident that any personal
information we hold about you will be treated in a way which ensures protection
of your personal information.
Our commitment in respect of personal information is to
abide by the Australian Privacy Principles for the protection of personal
information, as set out in the Privacy Act and any other relevant law.
Personal information:
When we refer to personal
information we mean information from which your identity is reasonably
apparent. This information may include information or an opinion about you. The
personal information we hold about you may also include credit information.
Credit information is
information which is used to assess your eligibility to be provided with
finance and may include any finance that you have outstanding, your repayment
history in respect of those loans, and any defaults. Usually, credit
information is exchanged between credit and finance providers and credit
reporting bodies.
The kinds of personal information we may collect about you
include your name, date of birth, address, account details, occupation, any
other information we may need to identify you.
If you are applying for finance we may also collect the ages
and number of your dependants and cohabitants, the length of time at your
current address, your employment details and proof of earnings and expenses.
Why we collect your
personal information:
We collect personal information for the purposes of
assessing your application for finance and managing that finance. We may also
collect your personal information for the purposes of direct marketing (from us
only) and managing our relationship with you. From time to time we may offer
you 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 or services used or marketed by us. We may also disclose your
personal information to any other organisation that may have or is considering
having an interest in your finance , or in our business.
How do we collect
your personal information?
Where reasonable and practical we will collect your personal
information directly from you. We may also collect your personal information
from finance brokers and other people such as accountants, lawyers and
financial planners.
Do we disclose your
personal information?
We may disclose your personal information:
-
To prospective funders or other intermediaries
in relation to your finance requirements;
-
To other organisations that are involved in
managing or administering your finance such as third party suppliers, printing
and postal services, call centres;
-
To associated businesses that may want to market
products to you;
-
To companies that provide information and
infrastructure systems to us;
-
To anybody who represents you, such as finance
brokers, lawyers, accountants and financial planners;
-
To anyone, where you have provided us consent;
-
Where we are required to do so by law, such as
under the Anti-Money or Laundering and Counter Terrorism Financing Act 2006
(Cth);
-
To investors, agents or advisors , or any entity
that has an interest in our business; or
-
To your employer, referees or identity
verification services.
Prior to disclosing any of your personal information to
another person or organisation, we will take all reasonable steps to satisfy
ourselves that:
-
The person or organisation has a commitment to
protecting your personal information at least equal to our commitment, or
-
You have consented to us making the disclosure.
We may disclose your personal information to overseas
entities that provide support functions to us. You may obtain more information
about these entities by contacting us.
Direct marketing:
From time to time we may use your personal information to
provide you with current information about finance, offers you may find of
interest , changes to our organisation, or new products or services being offered
by us or any company with whom we are associated.
If you do not wish to receive marketing information, you may
at any time decline to receive such information by telephoning us on 0410 629
461 or by writing to us at “John Saccasan Financial Brokerage Services, 16
Shearwater Close, Albany Creek Qld. 4035”. You may also advise us by email to jsaccasan@bigpond.com. We will not
charge you for giving effect to your request and will take all reasonable steps
to meet your request at the earliest possible opportunity.
Updating your
personal information:
It is important to us 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 ensure the
information we hold about you is accurate or complete.
Access and correction
to your personal information:
We will provide you with access to the personal information
we hold about you. You may request access to any of the personal information we
hold about you at any time.
Depending on the type of request that you make we may respond
to your request immediately, otherwise we usually respond to you within seven
days of receiving your request. We may need to contact other entities to
properly investigate your request.
There may be situations where we are not required to provide
you with access to your personal information, for example, if the information
relates to existing or anticipated legal proceedings, or if your request is
vexatious.
An explanation will be provided to you if we deny you access
to the personal information we hold about you.
If any of the personal information we hold about you is
incorrect, inaccurate or out of date you may request that we correct the
information. If appropriate we will correct the personal information at the
time of the request, otherwise, we will provide an initial response to you
within seven days of receiving your request. Where reasonable, and after our
investigation, we will provide you with details about whether we have corrected
the personal information within 30 days.
We may need to consult with other entities as part of our
investigation.
If we refuse to correct personal information we will provide
you with our reasons for not correcting the information.
Using government
identifiers:
If we collect government identifiers, such as your tax file
numbers, we do not use or disclose this information other than required by law.
We will never use a government identifier in order to identify you.
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, for example,
if you make general enquiries about interest rates or current promotional
offers.
Sensitive
information:
We will only collect sensitive information about you with
your consent. Sensitive information is personal information that includes
information relating to your racial or ethnic origin, political persuasion,
memberships in trade or professional associations or trade unions, sexual
preferences, criminal record or health.
How safe and secure
is your personal information that we hold?
We will take reasonable steps to protect your personal information
by storing it in a secure environment. We may store your personal information
in paper and electronic form. We will also take reasonable steps to protect any
personal information from misuse, loss and unauthorised access, modification or
disclosure.
Complaints:
If you are dissatisfied with how we have dealt with your
personal information, or you have a complaint about our compliance with the
Privacy Act, you may contact our complaints officer on 0410 629 461.
We will acknowledge your complaint within seven days. We
will provide you with a decision on your complaint within 30 days.
If you are dissatisfied with the response of our complaints
officer you may make a complaint to the Privacy Commissioner which can be
contacted on either www.oaic.gov.au or
1300 363 992.
Further information:
You may request further information about the way we manage
your personal information by contacting us.
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 practices.
As a consequence we may change this privacy policy from time
to time or as the need arises.
You may request this privacy policy in an alternative form.
This Privacy Policy came into existence on the 12th
March 2014.