Who is Freedom Home Loans?
Freedom Home Loans offers financial products and services within the mortgage industry. We process and assess information relating to property loan applications. We locate lenders suitable to provide loans to you. We also market other products.
‘Personal information’ refers to information from which your identity is apparent. This may include information or an opinion about you, and from which your identity can reasonably be ascertained.
Why we collect your personal information
We collect and receive personal information from our clients 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. 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, financial planners, 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 only collect your personal information directly from you.
To whom will we disclose your personal information?
Wherever possible, we will inform you at or before the time of collecting your personal information, the types of organisations to whom we intend to disclose your personal information. Prior to disclosing any of your personal information to another organisation, we will take all reasonable steps to satisfy ourselves that:
- the organisation has a commitment to protecting your personal information at least equal to our commitment; and
- 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/ IRA.
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 with which we are associated. If you do not wish to receive this type of information, you may at any time decline to receive such information by contacting our offices at the address indicated below. 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. You may contact us at any time if you wish to make any changes to your personal information. We will generally rely on your to assistance 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 the personal information that we hold about you. To access this information, you may contact us by telephone or in writing at the address indicted below. We may charge a fee for our costs 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 could include information relating to an existing or anticipated legal proceeding with you, or if your request is vexatious. If we deny you access to your personal information we hold, we will provide you with an explanation.
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.
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 unauthorised access, modification or disclosure.
You may request further information about the way we manage your personal information by contacting us direct by phone, email or in writing.