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Mortgage Refunds privacy policyAt Mortgage Refunds™ we want to provide the best possible service across the wide range of financial products available from our panel of lenders. To achieve this aim we need to make the most efficient use of your personal information.It is equally important to us that you are confident that any of your personal information entrusted to us is treated with the appropriate degree of privacy. Who is Mortgage Refunds™ ? Mortgage Refunds™ comprises a solely independent company: Mortgage Refunds™ Pty Ltd. Our Commitment At Mortgage Refunds™, we recognise that your privacy is important. We are bound by, and are committed to supporting, the National Privacy Principles (NPP) set out in the Privacy Amendment (Private Sector) Act 2001 (NPP). The information set out below is largely a summary of our obligations under the NPP. Collection of Personal Information Our main purposes for collecting personal information are to facilitate brokering financial products or services, insurance policies or related services, and to update our records. At or before the time we collect personal information from you we will take reasonable steps to inform you why we are collecting that personal information, who else we might disclose that personal information to and what may happen if you do not provide personal information to us. Use and Disclosure We are subject to certain legislative and regulatory requirements that necessitate us obtaining and holding detailed information that personally identifies you and/or contains information about you. In addition, Mortgage Refunds™ ability to provide you with a comprehensive service is dependent on us obtaining certain personal information about you, including:
Data Security Mortgage Refunds™ WILL TAKE REASONABLE STEPS TO PROTECT THE INFORMATION WE RETAIN FROM MISUSE, LOSS AND FROM UNAUTHORISED ACCESS, MODIFICATION OR DISCLOSURE. WE WILL NOT RETAIN ANY OF YOUR INFORMATION FOR ANY LONGER THAN IT IS REQUIRED BY US, EXCEPT TO SATISFY LEGAL REQUIREMENTS. WE WILL DESTROY OR DE-IDENTIFY YOUR PERSONAL INFORMATION WHEN IT IS NO LONGER REQUIRED. Openness Mortgage Refunds™ may use and disclose personal information for the purposes for which it was provided or secondary purposes in circumstances where you would reasonably expect such use or disclosure. We may disclose personal information to third parties or external contractors carrying out functions and duties for and on behalf of Mortgage Refunds™. It is a condition of our agreement with each of our external contractors that they adopt and adhere to this privacy policy. The information we collect from you may also be disclosed to third parties if the disclosure is required or permitted by law. In the event that we propose to sell our business we may disclose your personal information to potential purchasers for the purpose of them conducting due diligence investigations. Any such disclosure will be made in confidence and it will be a condition of that disclosure that no personal information will be used or disclosed by them. In the event that a sale of our business is affected, we may transfer your personal information to the purchaser of the business. As a client you will be advised of any such transfer. Access and Correction You may access the personal information we retain and request corrections. This right of access is subject to some exceptions allowed by law. Mortgage Refunds™ will endeavour to ensure that at all times the personal information about you that we hold is up to date and accurate. The accuracy of the personal information is dependant to a large degree on the information you provide and you should advise us if there are any errors in your personal information. Identifiers In some circumstances we are required to collect government identifiers, for example, your Tax File Number. Mortgage Refunds™ will not use or disclose this information other than when required to do so by law or, when consented to by you. Anonymity You may deal with us anonymously where it is lawful, practicable and reasonable to do so . Sensitive Information Mortgage Refunds™ will not collect sensitive information about you. Exceptions to this include where the information is required by law. Privacy Policy Constraints If you wish to complain about any breach or potential breach of this privacy policy or the National Privacy Principles, you should contact us by any of the methods contained in this policy statement and request that your complaint be directed to the Privacy Officer. Your complaint will be considered within seven days and responded to accordingly. It is our intention to use our best endeavours to resolve any complaint to your satisfaction, however, if you are unhappy with our response, you are entitled to contact the Office of the Privacy Commissioner who may investigate your complaint further.
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| Mortgage Refunds™ logo and name are trademarked. Any unauthorised use of our seal/logo will be prosecuted. You must receive written authorisation from Mortgage Refunds™ before you can use our name or images. (c) Copyright 2002 - 2007 Mortgage RefundsT Pty. Ltd. |
 Mortgage Refunds Pty Ltd (ABN 21 101 947 200)is a member of the Mortgage and Finance Association of Australia |
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