Charity First is committed to protecting and maintaining your privacy because we understand that the information you provide us with is private and personal.

This Privacy Policy is based on the requirements set out in the National Privacy Principles contained in the Privacy Act 1988 (Cth) (“Privacy Law”) and it explains how and why we collect information about you and who we disclose that information to.

Collection of Personal Information

We may collect personal information about you including your name, address, telephone number, occupation and financial information. We collect personal information about you to enable us to assess your suitability and eligibility when you apply for a product or service from us.Charity First collects information in a number of ways, including:

• through our lending managers when they interview you from our website
• when you use our online services through consumer reporting agencies

Use and Disclosure

Charity First uses your personal information to assist in providing its financial products and services to you.For example, Charity First may use your personal information for any of the following purposes:

• to assess your application for finance which may include requesting a credit report from a credit reporting agency
• to provide and maintain your loan to provide you with information about our products and services
• for our internal administrative, marketing, planning and development purposes to facilitate the conduct of business relationships with you

Charity First may disclose your personal information to third parties. Whenever we disclose your personal information to a third party, we always ensure that your information is handled in accordance with our Privacy Policy. Charity First may disclose your information to:

• organisations and agents for promoting our products and services
• our agents and contractors who carry on our functions and activities
• third parties involved in the provision of finance to you including solicitors and accountants, mortgage insurers, credit reporting agencies, conveyancers, valuers, debt collecting agencies and government authorities
• insurance agencies
• financial planners
• other parties to whom we are authorised or required by law to do so
• certain charity organisations

Newsletters, Offers and Information

From time to time we may provide you with information and offers in respect of the products and services we provide. If at any time you do not wish to receive such information, please let us know and we will immediately cease doing so.

Accuracy and Security of Personal Information

We will take all reasonable steps to ensure that personal information we collect and store is accurate, complete and up-to-date and to correct any inaccurate personal information. If you become aware that any of your personal information is inaccurate, incomplete or out of date, or if your personal circumstances change, please inform us immediately so that we can update our records.

We will take all reasonable steps to protect your personal information from misuse. If, despite taking reasonable steps, we are unable to protect your personal information from misuse then, to the extent permitted by law, we will not be responsible for such misuse. If you suspect that someone has unauthorised access to, or has made unauthorised use of, any of your personal information, please contact us immediately.

Where we no longer require any personal information because your financial facility has ended, we will take reasonable steps to destroy that information by secure means or to permanently de-identify the personal information from the individual. The information is generally kept for a further period of at least seven years.

Our Website

Our website uses cookies. Cookies allow a website to store information on a user’s machine and later retrieve it. We should not be able to access any personal information about you through cookies. The only way that any personal information could be contained in your cookie file would be if you personally gave that information to a web server and it decided to put that information into your cookie file.

Cookies can also track the use of our website. Our internet server may also automatically record details about any computer used to access the website, such as your domain name and browser type, the date and time of access and details of the information downloaded. It may also record the access code you used to register at the site. We may use this information for internal statistical purposes and to improve the quality of our website.

Links to Third Party Websites

Our website may contain links to other sites. Please note that this Privacy Policy applies solely to us and we are not responsible for the privacy practices of any other website. We encourage you to read the privacy policies of every website that you visit.

Access to Personal Information

If requested, we will provide you with access to your personal information as soon as possible, unless prohibited or exempted under Privacy Law. We will require you to verify your identity and we may charge you a cost for providing the requested information. If we refuse to give you access to your information we will let you know the reason in writing. All requests for information should be addressed to:

The Privacy Officer
Charity First Home Loans Pty Limited
PO Box 537
HURSTVILLE BC, NSW 1483

Phone: 02 9579 5026
Fax: 02 9585 9933

If you have any questions or complaints, or would like further information about our privacy and information handling practices, please contact us at the address set out above.If any matter is not resolved to your satisfaction, you should direct your concerns in writing to:

Director of Compliance
Office of the Federal Privacy Commissioner
GPO Box 5218
SYDNEY NSW 2001

Phone: 1300 363 992
Fax: 02 9284 9666
Email: privacy@privacy.gov.au

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