Mortgage Broker Training FS would like to provide the best possible service to our members and clients by making the most efficient use of your personal information. It is of utmost importance to us that you are confident that any personal information provided to us is treated with an appropriate degree of privacy.
Personal Information is information or an opinion (including information or an opinion forming part of a database) whether true or not, and whether recorded in a material form or not about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion.
Sensitive information is a subset of personal information. It means information or opinion about an individual’s racial or ethnic origin, political opinions, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences, criminal record or health information about an individual.
Collection of Personal Information
It is essential for Mortgage Broker Training FS to collect personal information to complete its standard business activities of providing education and training services to our members and clients.
When collecting information we:
Establish and maintain a database to ensure prompt and efficient service from us
Establish and maintain a database for tracking education and training stages to ensure prompt and efficient service from our contractors
Establish and maintain a database for follow-up and notification of any potential event or training that may be of interest to you and your staff.
Collection and usage of personal information is essential for us to complete our business with clients. Where reasonable and practicable, Mortgage Broker Training FS will collect personal information directly from clients. This may occur for example when completing an application form for a product or request a product or service over the telephone or Internet.
Where not reasonable or practicable to collect personal information directly, Mortgage Broker Training FS relies on third parties. Below are examples of situations where we may receive personal information from another source, and why this would happen.
Application for a service through a Mortgage Broker Training FS business alliance
Processing of online enquiries for service provision
Another business or entity that provides Mortgage Broker Training FS the information to meet legislative requirements
In the majority of circumstances, Mortgage Broker Training FS will require your specific consent before we collect, use or disclose personal information. Consent will be obtained in writing; however, there may be some situations where your verbal consent is accepted.
Mortgage Broker Training FS does not generally disclose personal information to any other party unless required or authorised by law, consent is given, or is required to complete a business transaction.
There are times when Mortgage Broker Training FS is required or authorised by law to disclose personal information. Personal information may be required in accordance with taxation law to be provided to the taxation office, or under subpoena to a Court of Law.
Personal information may also be disclosed where consent has been obtained. Consent may be received directly from a client, as set out above, or may be implied from a client’s conduct.
Personal information is only disclosed to parties outside Mortgage Broker Training FS where it is required to complete business activities. Some examples where this may occur are: –
It is essential to Mortgage Broker Training FS that personal information is complete and up-to-date at all times to effectively conduct standard business activities.
When using personal information we will contact a client to determine if any personal details have changed. Mortgage Broker Training FS can also be contacted at any time to update personal information, or to advise that information held is inaccurate or incomplete.
Individuals can request access to their personal information by contacting Mortgage Broker Training FS. A summary of personal information (E.g. name, address, phone number) is freely accessible.
In some situations, where the information requested goes beyond a basic summary, a fee may be charged for access. This fee is used to cover the cost to Mortgage Broker Training FS for retrieving and supplying the information.
Mortgage Broker Training FS will endeavor to handle all requests for personal information within 30 days of having received the request. Some requests may take longer than 30 days, depending on the information sought, in which case the individual will be notified of the expected time frame as soon as is practicable.
There are some circumstances where requests for access to information may be denied by Mortgage Broker Training FS, such as where the information may relate to existing or anticipated legal proceedings, where denying access is required or authorised by law, or where the request for access is regarded as frivolous and vexatious.
If a request to access or change personal information is denied, we will offer a formal explanation for our actions.
It is of utmost importance to Mortgage Broker Training FS that personal information is protected from unauthorised access, loss, modification, misuse, or disclosure.
When information is no longer required we ensure that it is deleted from our systems, destroyed in a secure manner, or permanently de-identified.
In common with other service providers, we use agents and other third parties to provide some services to Mortgage Broker Training FS and for this purpose, we sometimes need to provide them with relevant parts of the information that we have obtained from clients under their contracts. These third parties are required to keep your information confidential and use it only for the purposes for which we are permitted.
We may offer through our website products or services that are supplied by or through other organisations. If a client enquires about the service we will need to pass onto them relevant details about the client and their enquiry, to complete the transaction.
Mortgage Broker Training FS takes all reasonable steps to protect clients’ security when using our website but they should be aware that no transmission of information to and from websites is ever totally secure.
In some circumstances, certain Commonwealth identifies (e.g. Tax File Numbers) may be collected as proof of identity when carrying out standard business activities. These identifiers are securely destroyed and are not used by Mortgage Broker Training FS in any way to identify an individual.
Wherever it is lawful and practicable to do so Mortgage Broker Training FS will endeavor to deal with clients anonymously. For example, when a client requests information regarding the services offered by Mortgage Broker Training FS.
Sensitive information (as defined above) is only collected by Mortgage Broker Training FS where consent has been obtained, it is allowed by law, or the collection is necessary for the establishment, exercise, or defence of a legal claim.
Trans-Border Data Flows
Mortgage Broker Training FS does not send any personal information outside of Australia unless we are authorised to, or required to by law.
Walker and Miller Financial Services
PO Box 6478
North Sydney NSW 2060
Tel: 1300 136 947
Any complaints that have not been handled satisfactorily by Mortgage Broker Training FS can be referred to the Federal Privacy Commissioner:
||1300 363 992, or
||Director of Complaints
Office of the Federal Privacy Commissioner
GPO Box 5218
Sydney NSW 1042