Privacy Policy
At Duckling Finance we aim to give our customers the best
possible service by offering the best possible range of financial
products and services.
We understand the importance of protecting your personal information.
This document sets out our privacy policy commitment which applies
to any personal information that you may give to us.
Our Privacy Policy ensures your right to privacy. We understand
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 not used for any other purpose.
We are committed to meeting or exceeding the National Privacy
Principles for the protection of personal information, as set
out in the Privacy Act and any other relevant law.
Who is Duckling Finance?
Duckling Finance is an organisation that offers financial products
and services within the mortgage industry. We process and assess
information in respect of loan applications. We locate lenders
suitable to provide loans to you. We also may also market other
products.
Personal Information
When we refer to personal information we mean information from
which your identity is apparent. This information may include
information or an opinion about you, from which your identity
can reasonably be ascertained.
Why We Collect Your Personal Information?
We collect and receive personal information from our customers
or from other business referrers to conduct our business, which
includes 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 your personal
information only directly from you.
To Whom Will We Disclose Your Personal Information?
To enable us to maintain a successful business relationship
with you, we may disclose your 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 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 organisation that may
have or is considering having an interest in your loan, or in
our business.
How Might We Disclose Your Personal Information?
Where possible, we will inform you, at or before the time of
collecting your personal information and the types of organisations
that we intend to disclose your personal information to. 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 least 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 08 8266 1260 or by faxing us on 08
8266 1260. 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.
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 inform us if the information
we hold about you is inaccurate or incomplete.
Access to Your Personal Information
We will provide you with access to your personal information
we hold about you. You may request access to any of this personal
information by using the contact details specified above. We
may charge a fee for our costs in retrieving and supplying the
information to you.
Denied Access to Your Personal Information
There may be situations where we are not required to provide
you with access to your personal information. An example of
such a situation would be information relating to an existing
or anticipated legal proceeding with you, or if your request
is vexatious. If we deny you access to any of your personal
information that we hold we will explain why.
Business Without Identifying You
In most circumstances it will be necessary for us to identify
you in order to successfully do business with you, however,
where, it is lawful and practicable to do so, we will offer
you the opportunity of doing business with us, without providing
us with personal information. Such a situation would be where
you make general inquiries about interest rates or current promotional
offers.
Sensitive Information
Where sensitive information is collected, stored, used or transferred
about you, we will only use this information if you have consented
or in the exercise or defence of a legal claim. Sensitive information
is information relating to your racial or ethnic origin, political
persuasion, memberships in trade or professional association
or trade unions, sexual preferences, criminal record, or health.
How Safe and Secure is Your Personal Information that
we Hold?
We'll take reasonable steps to protect your 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
You may request further information about the way we manage
your personal information by contacting:
Head of Compliance & Risk Management
Duckling Finance
Choice Aggregation Services
Tel 03 9584 2166
Fax 03 9584 2699
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 came into existence on the
21 January 2008.
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