Privacy Policy
Our Commitment To You
At First Choice, your privacy is important to us.
We understand that the information you provide to us
is personal and confidential. First Choice complies
with the National Privacy Principles in the Privacy
Act (1988), the Mortgage Industry Association of Australasian
Code of Practice, the Code of Banking Practice and the
credit provider provisions in the Privacy Act (1988).
This Policy And Other Privacy Statements
This privacy policy explains how we collect personal
information and how we maintain, use and disclose that
information. It also provides some detail about your
privacy rights along with our general rights and obligations,
and our policy in relation to the personal information
we keep. In this policy, reference to "we/us"
means each member of First Choice including companies
that are related to or owned by First Choice.
When you apply for a product or service, you may be
asked to read and sign a document about privacy and
requests for consent. Those privacy consents specify
in more detail how any information about you may be
used and disclosed in relation to your dealings with
First Choice. When you apply for or use one of our products
or services, you consent to us collecting, maintaining,
using and disclosing personal information about you
and provided by you or by another person in accordance
with the privacy consent and this policy.
The Collection Of Your Information
When you apply for a product through First Choice,
we will need to collect personal information from you.
Personal information means any details or opinion about
you from which your identity is apparent or your identity
can be uncovered. The reasons why we would collect personal
information about you are:
• To assess your financial and credit position
when you apply for a product or service from us.
• To ensure your security when visiting our website
and to learn which areas of the site are of most interest
to you.
In both of these cases, we may use the information
we gather to provide targeted and value-added products
and services to you, through direct marketing. These
direct marketing offers and promotions are designed
to make your life easier, not harder. So if you do not
want to receive them, just let us know when we contact
you.
We will always aim to collect your personal information
directly from you. If for some good reason, we are unable
to do so, we may involve another organisation. For example,
we may need to request a credit report from a credit-reporting
agency when you apply for a credit facility.
Disclosure of your information to another organization
At First Choice, we want to provide our customers with
the very best products and services. At times, we may
partner with another organisation to support the products
and services we offer. As you will appreciate, in certain
circumstances we may be compelled by law to disclose
your personal information to various authorities. For
instance, we may be required under the Financial Transaction
Reports Act to disclose details of financial transactions
and we may also be compelled under tax laws to provide
such information. This is to your benefit, and helps
us to provide the products and services you would expect
from us.
Before we disclose any of your personal information
to any other organisation, we will take reasonable steps
to ensure that the organisation has the same commitment
as us to the protection of your personal information;
and that you have consented to us doing so. By consent,
we mean approval in writing, orally, or implied from
your dealings with us.
Updating Your Information
It is important for us, and for you, that the information
we hold is accurate and up to date. In this, we rely
on you to help us. We ask that you contact us whenever
there are any changes to your personal details, so that
we can update our records.
The information we hold about you is yours to access
and correct, and as such we can provide you with general
information such as your name, address, and contact
details quite easily.
More detailed information may not be easy for us to
access, and if necessary a small fee may be charged
for the cost of retrieving and supplying the details
you want. This process may take up to 25 working days
from your request. If you need to access your detailed
information, just write to us at the following address:
First Choice
57 Burns Cr
Chiswick NSW 2046
Storing Personal Information
We take all reasonable steps to protect your personal
information from misuse, loss, unauthorised access,
modification or exposure. We require all staff to maintain
the confidentiality of customer information. Access
to information is restricted to employees whose job
requires access to the information. Access to our computer
system is restricted through password protection.
Changes To This Privacy Policy
We may change this privacy policy from time to time
to comply with new laws or codes of practice that may
be developed and we may also change this policy to include
any new products or services we may provide from time
to time.
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