Problems Getting Finance? Would you like to get out of the rental market but no deposit? Are you having trouble making ends meet? Would you like that big house but can't afford the mortgage? Like a new business car but your figures are not done yet? Are you an owner builder? Are you a small developer? Bad Credit? You Name it, WE DO IT? Well, we at MORTGAGES CAN DO can assist with all of the above and don't be afraid pick up the phone and make the call, we are always happy to have a chat and put you on the right track to financial success. Call Chris NOW on 07 55922635 Privacy Policy Chris Szigeti & Associates Pty Ltd - 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 and equipment industry. 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 and equipment lenders and credit reporting agencies. 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: 1. the organisation has a commitment to protecting your personal information at least equal to our commitment; and 2. you have consented to 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 and equipment loans, special offers you may find of interest, changes to our organisation, or new products or services being offered by us. If you do not wish to receive marketing information, you may at any time decline to receive such information by contacting our offices by telephoning 07 55922635 or by writing to us at PO Box 1054 Surfers Paradise Qld 4217. 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. 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. Further Information You may request further information about the way we manage your personal information by writing or by email to kim@mortgagescando.com.au MORTGAGE BROKING SERVICES GUIDE AND PRIVACY AND CREDIT INFORMATION PRIVACY ACT AUTHORISATIONS /AGREEMENTS AND AUTHORISATION TO ACT ON BEHALF OF INDIVIDUALS MORTGAGE BROKING SERVICES GUIDE AND PRIVACY AND CREDIT INFORMATION PRIVACY ACT AUTHORISATIONS /AGREEMENTS AND AUTHORISATION TO ACT ON BEHALF OF INDIVIDUALS 1. Mortgage Broking Services Guide and Independent Advice I/we understand that this guide contains a general summary of your services and description of some of the loan options and is not intended to be an alternative to obtaining independent legal and financial advice, which is recommended. 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. NAME OF INTRODUCER: Chris Szigeti & Associates Pty Ltd ABN 36005905626 - (Including Agents Or Employees), our Licensees and their agents. NAME OF CREDIT PROVIDER: The credit provider named in my/our application for finance (Approached Credit Provider) 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 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; * Payments which become overdue more than 60 days, and for which collection action has commenced, * Advice that payments are no longer overdue; Cheques for more than $100 drawn by me/us which have been dishonoured 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 overdues; 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)). 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 this application, the processing, acceptance and the ongoing management of the facility. I/we authorise the Approached Credit Provider to provide to Guarantors named herein any personal and/or personal and commercial credit information about me/us for the purpose of considering whether to act as a guarantor of the proposed finance or in the event that the application is approved. 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 mentioned 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. SIGNED: 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/or the subsequent management of the credit provided. I/We acknowledge that each of the above authorities remains a continuing authority and, until cancelled in writing by me/us, applied in relation to all credit provided or to be provided by you me/us.