1. Introduction
At Arnoldas Kazilionis („we,” „us,” or „our”), we are committed to protecting the privacy of your personal information in compliance with the Australian Privacy Act 1988 and the Australian Privacy Principles (APPs). This policy outlines how we collect, use, disclose, and protect your information and your rights regarding your personal information.
2. Information We Collect
We collect personal information necessary to provide our mortgage brokerage services. This may include:
- Personal Details: Name, date of birth, and residential address.
- Contact Information: Email and phone number.
- Financial Information: Employment status, income, credit history, assets, liabilities, and financial goals.
- Identification Documents: Driver’s licence, passport, or other identity verification documents.
We only collect personal information directly from you or from sources you authorise, such as credit reporting agencies with your consent.
3. Purposes of Collecting Information
We collect and use your personal information to:
- Assess your eligibility for mortgage products and other financial services.
- Communicate with you regarding your mortgage application and related services.
- Provide tailored advice and recommendations.
- Submit applications to lenders on your behalf.
- Fulfill legal, regulatory, and compliance requirements.
- Conduct marketing communications, which you may unsubscribe from at any time.
4. Consent and Opt-Out
By providing your personal information, you consent to our collection, use, and disclosure as outlined in this policy. You may withdraw consent for marketing communications at any time by clicking the unsubscribe link in our emails or contacting us.
5. Disclosure of Personal Information
Your information may be disclosed to:
- Financial institutions, lenders, and other entities necessary to process mortgage applications.
- Third-party service providers (e.g., IT, administrative support) bound by confidentiality agreements.
- Government and regulatory bodies, if required by law.
- Other parties, as authorised by you or as required by law.
We do not share your personal information for any purpose other than those listed here unless additional consent is obtained.
6. Overseas Disclosure
Your personal information may be stored or processed by third-party providers in locations outside Australia. We take reasonable steps to ensure that these providers uphold privacy obligations similar to Australian standards.
7. Security and Storage of Personal Information
We employ security measures to protect your information from misuse, loss, and unauthorised access, including:
- Secure storage of physical and electronic records.
- Restricted access to personal information.
- Routine updates and audits of our data security systems.
When your information is no longer required, we securely delete or de-identify it according to Australian legal standards.
8. Access, Corrections, and Complaints
You have the right to:
- Access your personal information held by us and request any corrections to ensure it is accurate, complete, and up to date.
- Lodge a complaint if you believe we have breached your privacy rights. We will address all complaints in a timely manner.
To request access, make corrections, or lodge a complaint, contact us using the details below. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).
9. Cookies and Online Tracking
We may use cookies on our website to enhance user experience. Cookies help us understand your preferences and improve our online services. You may disable cookies in your browser settings, though this may impact website functionality.
10. Updates to This Privacy Policy
We may update this policy as necessary to remain compliant with legal requirements or changes in our services. Changes will be posted on our website with the effective date.
11. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us at:
Arnoldas Kazilionis
Address: Unit 201, 19 Barangaroo Ave., Sydney, NSW, Australia 2000
Phone: +61 416 646 873
Email: arnold@mortgageip.com.au
Australian Business Number (ABN): 72498276962
