We respect your rights to privacy under the Privacy Act 1988 (Cth) (Act) and we comply with all of the Act’s requirements in respect of the collection, use, management, disclosure, quality, security, access, and correction of your personal information.
What is your personal information?
What is your credit information?
What personal information do we collect and hold?
We may collect the following types of personal information:
- mailing or street address;
- email address and telephone and facsimile number;
- age or birth date;
- system access passwords;
- profession, occupation or job title;
- details of the products and services you have purchased from us, or which you have enquired about, together with any additional information necessary to deliver those products and services and to respond to your enquiries;
- Credit card details;
- Details of your credit worthiness and credit history;
- In the case of website such as our website, your account password, how you use the website, and information regarding your browsing activity when you visit the website;
- any additional information relating to you that you provide to us directly through our websites or indirectly through use of our websites or online presence, through our representatives or otherwise; and
- information you provide to us through our service centre, customer surveys or visits by our representatives from time to time.
How do we collect your personal information?
Personal information is only collected by lawful and fair means in accordance with the Act. We collect your personal information directly from you unless it is unreasonable or impracticable to do so. When collecting personal information from you, we may collect in ways including:
- through your access and use of our website;
- through your use of telephone and mobile communication (including but not limited to fixed line IVR services, SMS and MMS);
- through your use of electronic devices;
- during conversations between you and our representatives;
- during correspondence between you and our representatives, including electronic correspondence; or
- when you complete an application, mandate, or contract.
It is impracticable for us to collect information directly from you when we are acting as the “agent” or service provider of our client, our client has already collected the relevant information from you (or another third party), and our client has provided it to us for our use in providing services to or on behalf of our client. To enable us to do so we may use our customer’s database of personal information. It is impracticable for us to “recollect” this information from you directly before we use as requested by our client.
In respect of personal information which is provided to us by our clients, we do seek client assurances that all such personal information has been collected lawfully and in compliance with the Privacy Act and that all required consents have been obtained for, and disclosure statements made in respect of, the intended use of that personal information. Edgeview however will not be responsible for, and accepts no liability in respect of, any failure by a client to do so.
We may also collect personal information from third parties who are not our clients including for example, from third party companies such as data providers, brokers, banks, credit reporting agencies, law enforcement agencies and other government entities.
If we can’t collect your personal information?
If you do not provide us with the personal information described above, some or all of the following may happen:
- we may not be able to provide the requested products or services to you, either to the same standard or at all, or we may not be able to supply services to our clients which will enable our clients to do the same; or
- we may not be able to provide you with information about products and services that you may want, including information about discounts, sales or special promotions, or we may not be able to supply services to our clients which will enable our clients to do the same; or
- we may be unable to tailor the content of our websites to your preferences, or we may not be able to supply services to our clients which will enable our clients to do the same; or
- if you are a client of ours, we may not be able to provide you with the products and services you require; or
- if you are a contractor to us, you may not be able to provide your services to us.
Collect, hold, use, and share personal information
We collect personal information to perform our business activities and functions and to provide best possible quality of customer service to you, and to enable us to provide products and services to our clients.
We collect, hold, use, and disclose your personal information for the following purposes, in each case:
- to provide products and services to you and our clients and to send communications requested by you and/or our clients;
- to answer enquiries and provide information or advice about existing and new products or services;
- to provide you with access to protected areas of our websites;
- to assess the performance of our websites and to improve the operation of our websites;
- to conduct business processing functions including providing personal information to our related bodies corporate, clients, contractors, service providers, or other third parties;
- to assess the provision of, and provide credit and advice to you;
- for the administrative, planning, product or service development, quality control, and research purposes;
- to provide your updated personal information to contractors, clients or service providers;
- to update our records and keep your contact details up to date;
- to process and respond to any complaint made by you; and
- to comply with any law, rule, regulation, lawful, and binding determination, decision or direction of a regulator, or in co-operation with any governmental authority of any country (or political sub-division of a country).
We may also use your personal information for the other purposes related to those described above which would be reasonably expected by you.
To whom may we disclose your information?
We may disclose your personal information to:
- our employees, related bodies corporate, clients, contractors, or service providers for the purposes of operation of our websites or our businesses, fulfilling requests by you, and to otherwise providing products and services to you and our clients including, without limitation, web hosting providers, IT systems administrators, mailing houses, couriers, offshore outsourcing, payment processors, data entry service providers, electronic network administrators, debt collectors, and professional advisors such as accountants, solicitors, business advisors and consultants;
- where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth);
- suppliers, clients, and other third parties with whom we have commercial relationships, for business, marketing, credit reporting and related purposes; and
- any organisation for any authorised purpose with your express consent.
We may combine or share any information that we collect from you with information collected by any of our related bodies corporate.
Direct marketing materials
We may send you direct marketing communications and information about our products and services that we, or our clients, consider may be of interest to you. These communications may be sent in various forms, including mail, SMS, fax and email, in accordance with applicable marketing laws, such as the Spam Act 2003 (Cth). At any time you may opt-out of receiving marketing communications from us by contacting us (see the details below) or by using opt-out facilities provided in the marketing communications and we will then ensure that your name is removed from our mailing list (or where are using a mailing list provided by our client, we will pass your request on to our client).
How can you access and correct your personal information?
You may request access to any personal information we hold about you at any time by contacting us (see the details below). Where we hold information that you are entitled to access, we will try to provide you with suitable means of accessing it (for example, by mailing or emailing it to you). We may charge you a fee to cover our administrative and other reasonable costs in providing the information to you and, if so, the fees will be $30 per hour of time spent. We will not charge for simply making the request and will not charge for making any corrections to your personal information.
There may be instances where we cannot grant you access to the personal information we hold. For example, we may need to refuse access if granting access would interfere with the privacy of others or would result in a breach of confidentiality. If that happens, we will give you written reasons for any refusal.
If you believe that personal information we hold about you is incorrect, incomplete or inaccurate, then you may request us to amend it. We will consider if the information requires amendment. If we do not agree that there are grounds for amendment then we will, where possible and practicable, add a note to the personal information stating that you disagree with it.
What is the process for complaining about a breach of privacy?
If you believe your privacy has been breached, please contact us using the contact information below and provide details of the incident so we can investigate it.
Our procedure for investigating and dealing with privacy breaches is to ascertain all relevant facts and correspond with those involved (including where relevant our clients), reach a view as to the existence, scope and cause of the issue, and where relevant and appropriate, implement corrective or rectification measures.
A request for access to the personal information held by Edgeview concerning an individual can be made by that individual to Edgeview on the number or address mentioned below. A fee may apply, the amount of which will be advised at the time of application.
We disclose personal information to our related bodies corporate and third party suppliers and service providers located overseas for some of the purposes listed above. We take reasonable steps to ensure the overseas recipients of your personal information do not breach the privacy obligations relating to your personal information.
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.
We take reasonable steps to ensure your personal information is protected from misuse and loss, and from unauthorised access, modification or disclosure. We may hold your information in either electronic or hard copy form. Personal information is destroyed or de-identified when no longer needed.
As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any personal information or other information which you transmit to us online is transmitted at your own risk.
The Privacy Officer
Edgeview Mortgages Pty Ltd
PO BOX 1197
Southport QLD 4215