Capricorn Financial Services Privacy Policy
Capricorn Financial Services Pty Ltd ABN 69 116 299 060
Head Office: PO Box 311 Bli Bli QLD 4560
OUR COMMITMENT TO PROTECTING YOUR PRIVACY
Capricorn Financial Services seeks to provide the best possible service to its customers by providing a comprehensive range of financial products and services.
We understand how important it is to protect your personal information and we are committed to safeguarding your personal privacy. This document sets out our Privacy Policy commitment in respect of personal information that you may provide to us.
Because of the nature of the products and services provided by Capricorn Financial Services, and the requirements of banking and government regulations, we may ask for a range of personal information to fulfil your request for a specific product or service. This can include (but is not limited to) name, address, date of birth, contact details, income, assets and liabilities, account balances, tax and financial statements, credit history and employment details.
We may also obtain information from other sources if requires and we will seek your consent to collect it.
We recognise that any personal information we may collect about you will only be used for the purposes indicated in our policy. It is important to us that you are confident that any personal information we collect from you or is received by us will be treated with appropriate respect and we acknowledge confidentiality of this information and the ongoing requirement for trust this places in us.
Capricorn Financial Services is bound by the National Privacy Principles contained in the Commonwealth Privacy Act.
WHY WE COLLECT YOUR PERSONAL INFORMATION
We collect and receive personal information from our customers or from other business referrers in order to conduct our business, including assessing and obtaining approval for loans. From time to time we may offer other products and services.
USE OF INFORMATION
We use your information to provide our services to you, to fulfil administrative functions associated with providing a mortgage facility either directly or through a third party, ongoing financial/mortgage planning advice or customer services.
We may disclose your personal information to other organisations that provide products or services used or marketed by us. The types of organisations to which we are likely to disclose information about you include other mortgage intermediaries, lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting agencies, and lawyers. We may also disclose your personal information to any other organisations that may have or are considering having an interest in your loan, or in our business.
Prior to disclosing any of your personal information to another organisation, we will take all reasonable steps to satisfy ourselves that:
(a) the organisation has a commitment to protecting your personal information at lease equal to our commitment; and
(b) you have consented to us doing so.
Sometimes we are required or authorised by law to disclose your personal information. Circumstances in which we may disclose your 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.
DIRECT MARKETING
From time to time we may use your personal information to provide you with current information about mortgage loans, special offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company we are associated with.
If you do not wish to receive marketing information, you may at any time decline to receive such information by contacting our offices by telephoning 1300 306 283 or by writing to us at PO Box 311 Bli Bli QLD 4560. 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.
STORAGE OF PERSONAL INFORMATION
Safeguarding your privacy is important to us. We hold personal information in secure storage facilities and take steps to protect the personal information we hold from misuse, loss, unauthorised access, modification or disclosure. After a reasonable time, files containing personal information will be securely disposed of.
UPDATING YOUR PERSONAL INFORMATION
It is important to our relationship that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we will 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 assist us in informing us if the information we hold about you is accurate or incomplete.
ACCESS TO YOUR PERSONAL INFORMATION
We will provide you with access to your personal information we hold about you. Under the Commonwealth Privacy Act, you may request access to any of the personal information we hold about you at any time. There are some exceptions to this.
To access personal information that we hold about you, use the contract details specified above. We may charge a fee for our costs in retrieving and supplying the information to you.
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. This Privacy Policy was last revised in August 2015.