PRIVACY POLICY OUR COMMITMENT TO PROTECT YOUR PRIVACY B’s Brokerage and Support (BBS) seeks to provide the best possible service to its customers, we understand how important it is to protect personal information. This document sets out our privacy policy commitment in respect of personal information that may be provided to us in. Our Privacy Policy ensures the right to privacy as we recognise that any personal information we may collect will only be used for the purposes indicated in our policy. It is important to us that we provide confidence that any personal information we collect or is received by us will be treated with appropriate respect ensuring protection of personal information. Our commitment in respect of personal information is to abide by the National Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law. WHO IS B’S BROKERAGE AND SUPPORT? BBS is an organisation that offers financial services within the mortgage industry. We cover a range of services including locating lenders suitable to provide loans, assessing information, processing loan applications following them through from submission to settlement and beyond. PERSONAL INFORMATION When we refer to personal information we mean information from which identity is apparent. This information may include information or an opinion, from which a person’s identity can reasonably be ascertained. WHY WE COLLECT YOUR PERSONAL INFORMATION We collect and receive personal information in order to conduct our business, including assessing and obtaining approval for loans. From time to time we may offer other products and services. HOW DO WE COLLECT YOUR PERSONAL INFORMATION? Where reasonable and practical we will collect personal information only directly from the related person. TO WHOM WILL WE DISCLOSE YOUR PERSONAL INFORMATION? To enable us to maintain a successful business relationship with our clients, we may disclose personal information with other organisations that provide products or services used or marketed by us. The types of organisations to which we are likely to disclose information include other mortgage intermediaries, lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting agencies, and lawyers. We may also disclose personal information to any other organisation that may have or is considering having an interest in the loan application, or in our business. Where possible we will advise, at or before the time of collecting the personal information, the types of organisations that we intend to disclose the personal information to. Prior to disclosing any of personal information to another organisation, we will take all reasonable steps to satisfy ourselves that: the organisation has a commitment to protecting personal information at least equal to our commitment; and we have consent to us doing so. Sometimes we are required or authorised by law to disclose your personal information. Circumstances in which we may disclose personal information would be to a Court or Tribunal in response to a request or in response to a subpoena or to the Australian Taxation Office. Where sensitive information is collected, stored, used or transferred about you, we will only use this information if we have consent or in the exercise or defense of a legal claim. Sensitive information is information relating to racial or ethnic origin, political persuasion, memberships in trade or professional association or trade unions, sexual preferences, criminal record, or health. DIRECT MARKETING From time to time we may use personal information held to provide current information about mortgage loans, special offers, changes to our organisation, or new products or services being offered by us or any company we are associated with. Any client may at any time decline to receive marketing information by contacting our office. We will not charge for giving effect to the request and will take all reasonable steps to meet your request at the earliest possible opportunity. UPDATING PERSONAL INFORMATION It is important that the personal information we hold is accurate and up to date. During the course of our relationship we will ask we are informed if any of your personal information has changed. ACCESS TO PERSONAL INFORMATION We will provide the related client with access to related personal information we hold at any time. We may charge a fee for our costs in retrieving and supplying the information. DENIED ACCESS TO PERSONAL INFORMATION There may be situations where we are not required to provide access to the related personal information held. For example, such a situation would be information relating to an existing or anticipated legal proceeding, or if the request is vexatious. An explanation will be provided, if we deny you access to the personal information we hold. HOW SAFE AND SECURE IS YOUR PERSONAL INFORMATION THAT WE HOLD? We will take reasonable steps to protect all personal information by storing it in a secure environment, and when the information is no longer needed for any purpose for which the information may be used or disclosed, it will be destroyed or permanently de-identified. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure. FURTHER INFORMATION Our clients may request further information about the way we manage personal information by contacting our office. 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 practice. As a consequence we may change this privacy policy from time to time or as the need arises.