Privacy Policy

Our commitment to protect your privacy

We understand how important it is to protect your personal information. This document sets out our Privacy Policy commitment in respect of personal information you may provide to us. Our Privacy Policy ensures your right to privacy as 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 ensuring protection of your 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 are we?

We are an organisation that offers financial products and services within the mortgage industry. We process and assess information in respect of loan applications. We locate funders suitable to provide loans to you. We 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 in order to conduct our business, including assessing and obtaining approval for loans. From time to time we may offer other products and services. 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 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?

Where possible, we will inform you, at or before the time of collecting your personal information, 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 and other marketing material such as personal greetings i.e. Birthday or Christmas cards.

If you do not wish to receive marketing information please tick the box at the bottom of this form.

You may at any time change your decision to receive such information by contacting our offices by telephoning 07 3391 3933 or by writing to us at PO Box 7062, East Brisbane, Queensland 4169. 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 assist us in informing 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 the personal information we hold about you at any time. To access personal information that we hold about you, use the contact details specified above. We may charge a fee for our cost in retrieving and supplying the information to you.

Denied access to personal information

There may be situations where we are not required to provide you with access to your personal information. For example, such a situation would be information relating to an existing or anticipated legal proceeding with you, or if your request is vexatious. An explanation will be provided to you, if we deny you access to your personal information we hold.

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 practical 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 of 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 will 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 unauthorized access, modification or disclosure.
You may request further information about the way we manage your personal information by writing or by email to info@firstcharteredcapital.com.au .
This Privacy Policy came into existence on the 21 December 2001.
PRIVACY AND CREDIT INFORMATION PRIVACY ACT AUTHORISATIONS/AGREEMENTS & AUTHORISATION TO ACT ON BEHALF OF INDIVIDUALS

1. Name of introducer:
In compliance with the Commonwealth Privacy Act, applicant parties to a finance application should complete and return this to the below-named introducer/broker for the purposes of the Privacy Act.
First Chartered Capital Pty Ltd (including agents or employees), our Licensees and their agents

2  Acknowledgement of Disclosure of Credit Information to a Credit Reporting Agency
I/We acknowledge that Section 18E(8)(c) of the Privacy Act  allows the credit provider named in my/our application for finance ( Approached Credit Provider), to give a credit reporting agency certain personal information about my/our application for finance,

The information which may be given to an agency is covered by Section 18E (1) of the Act and includes:

• Such permitted particulars about me/us which allow me/us to be identified;
• The fact that I/we have applied for finance and the amount;
• The fact that the approached credit provider is a current credit provider to me/us;
• Advice that payments are no longer overdue;
• Cheques drawn by me/us which have been dishonored more than once;
• In specified circumstances, that in the opinion of the approached credit provider, I/we have committed a serious credit infringement;
• That finance provided to me/us by the approached credit provider has been paid or otherwise discharged.

By virtue of this declaration, I/we understand that the above-named introducer has informed me/us of the disclosure policy to a credit-reporting agency of information about me/us by Approached Credit Providers and so authorise such disclosures.

3. Agreement/Authority for Credit Provider to Perform Certain Permitted Actions Concerning a Finance Application or Transaction

I/We agree that, if it is considered relevant in assessing my/our application for personal credit, the Approached Credit Provider may obtain a report about my/our commercial activities or commercial credit worthiness from a business, which provides information about the commercial credit worthiness of persons (Section 18L(4)).
I/We agree that, if it is considered relevant in assessing my/our application for commercial credit, the Approached Credit Provider may obtain from a credit-reporting agency a credit report containing personal credit information about me/us (Section 18K(1)(b)).

I/We agree that the Approached Credit Provider may give to and seek from any credit providers named in the accompanying finance application and any credit providers that may be named in a personal or commercial credit report issued by a credit reporting agency or a commercial credit reporting agency respectively, information about my/our personal or commercial credit arrangement for the purpose of assessing my/our finance application or collecting any overdue; I/we understand that this information can include any information about my/our credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to give or receive from each other under the Privacy Act (Section 18N (1)(b)).

4. Authorisation to Act on Behalf of Individuals
For the purposes of arranging the finance which is the subject of my/our application, the details of which appear below, I/we authorise that above-named introducer to obtain a report about my/our consumer or commercial credit worthiness from a credit reporting agency or a commercial credit reporting business (Section 18H (3)) or from a credit provider named in this application or referred to in such reports (Section 18N (1) (ga)).

I/We also authorise the above-named introducer to pass on the above obtained reports to such credit providers as are appropriate, for their consideration of this application.
I/We also authorise the above-named introducer to give to and receive from such parties as are necessary to the arranging of this finance, such personal information about me/us which is necessary to the arrangements.
I/We acknowledge that I/We have received and perused a copy of your Privacy Policy prior to signing this document.

I/We authorise the Approached Credit Provider to disclose to the Introducer personal information and/or personal and commercial credit information about me/us in connection with my/our application, the processing and acceptance and the ongoing management of the facility.

I/We authorise the Approached Credit Provider to provide to Guarantors named herein any personal information and/or personal and commercial credit information  for the purpose of considering whether to act as a guarantor of the proposed facility or in the event that the application is approved.

Where I am/we are a guarantor named herein, I/we agree that the Approached Credit Provider may seek a credit report concerning me/us from a credit reporting agency to access whether to accept me/us as a guarantor of the finance commitments for the within applicant (section 18K(1)(c) of the Privacy Act) and in so doing I/we acknowledge that the Approached Credit Provider may give personal information about me/us as per the first paragraph of this Authorisation/Agreement.

Where I am/we are a guarantor named herein, I/We authorise the Approached Credit Provider to disclose to the Introducer personal information and/or personal and commercial credit information about me/us in connection with my/our application, the processing and acceptance and the ongoing management of the facility.

5.  Authority to Give Information to my/our Agent/s
I/We authorise you to give to and/or receive from you any
record or personal information about me/us in connection
with the processing and accepting of any application to you
for and/orthe subsequent management of the credit provided

6. 

I/We acknowledge that each of the above authorities remains a continuing authority and, until cancelled in writing by me/us, applies in relation to all credit provided or to be provided by you me/us.

7. Exchange of information with advisers

I/We acknowledge that you may seek from and use or give to any financial consultant, accountant, lawyer, or other adviser acting in connection with any finance provided or proposed to be provided to you, any personal information, consumer credit or commercial credit information.