‘We’, ‘us’ and ‘our’ refer to Haven Property & Finance Pty Ltd (ACN 627 781 373) and our related businesses. The Credit Representatives at Haven Property & Finance Pty Ltd are Authorised Representatives of Finsure Finance and Insurance Pty Ltd (ABN 72 068 153 926) Australian Credit Licence Number 384704, under theNational Consumer Credit Protection Act (Cth) (National Credit Act). Being Authorised Representatives of this licence authorises us to arrange loans and leases.

We understand that the details you provide us are private and personal. It’s important that you feel secure whenever you deal with us. It’s also important that you understand how we protect your privacy and the manner in which we may use your details. As such our policies relating to personal information are designed to ensure that you are fully protected under Australian privacy laws.

Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.

When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.

Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.

The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we made need to identify you and any additional information relating to you that you provide to us directly through our websites or indirectly through use of our websites or online presence, through our representatives or otherwise and information you provide to us through our service centre, customer surveys or visits by our representatives from time to time.

If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses.

We collect personal information when you apply to join our network, for the purpose of assessing your position to purchase property, or for the purposes of assessing your application for finance and managing that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you.

From time to time we may offer you other products and services. To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us.

We may also disclose your personal information to any other organisation that may have or is considering having an interest in your property transaction, finance, or in our business. Where reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from other parties such as financial institutions, and other people such as accountants and lawyers.

We may disclose your personal information:

•  our employees, related bodies corporate, contractors or service providers for the purposes of operation of our website or our business, fulfilling requests by you, and to otherwise provide products and services to you including, without limitation, web hosting providers, IT systems administrators, mailing houses, couriers, payment processors, data entry service providers, electronic network administrators, debt collectors, and professional advisors such as accountants, solicitors, business advisors and consultants;

• any organisation for any authorised purpose with your express consent.

• to prospective funders or other intermediaries in relation to your finance requirements;

• to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres;

• to associated businesses that may want to market products to you;

• to companies that provide information and infrastructure systems to us;

• to anybody who represents you, such as finance brokers, lawyers and accountants; to anyone, where you have provided us consent;

• where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth);

• to investors, agents or advisers, or any entity that has an interest in our business; or

• to your employer, referees or identity verification services.

Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:

• the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or

• you have consented to us making the disclosure.

We may use cloud storage to store the personal information we hold about you.  The cloud storage and the IT servers may be located outside Australia. We do not disclose your personal information to any overseas entities.

From time to time we may send you direct marketing communications and information about our products and services, or to provide you with current information about finance, offers you may find of interest, changes to our organisation or new products or services being offered by us or any company with whom we are associated.

These communications may be sent in various forms, including via social media, mail, SMS, fax and email, in accordance with applicable marketing laws, such as the Spam Act 2003 (Cth). If you indicate a preference for a method of communication, we will endeavour to use that method whenever practical to do so. In addition, at any time you may opt-out of receiving marketing communications from us by contacting us by phone on 0414 835 020 or writing to us by email at myteam@havenpf.com. If the direct marketing is by email you may also use the unsubscribe function.

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.

You may request access to any personal information we hold about you at any time by contacting us by phone on 0414 835 020 or writing to us by email at myteam@havenpf.com.

Where we hold information that you are entitled to access, we will try to provide you with suitable means of accessing it (for example, by mailing or emailing it to you). We may charge you a fee to cover our administrative and other reasonable costs in providing the information to you and, if so, the fees will be displayed on our website. We will not charge for simply making the request and will not charge for making any corrections to your personal information.

There may be instances where we cannot grant you access to the personal information we hold. For example, we may need to refuse access if granting access would interfere with the privacy of others or if it would result in a breach of confidentiality. If that happens, we will give you written reasons for any refusal.

If you believe that personal information we hold about you is incorrect, incomplete or inaccurate, then you may request us to amend it. We will consider if the information requires amendment, and if necessary, amend.

If you wish to make a complaint, please contact us directly by formally writing to us either through email at myteam@havenpf.com or by post at PO Box 194, Nerang QLD 4211. We aim to resolve the majority of complaints within seven (7) business days of receiving the complaint.

If we believe it may take longer than this to resolve your complaint or to investigate the matter thoroughly, we will keep you informed of the progress. We will provide you with a decision on your complaint within thirty (30) business days of receiving the complaint. If we do not reach agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme. Our external dispute resolution provider is specified below:

Australian Financial Complaints Authority (AFCA)
1800 931 678
info@afca.org.au
GPO Box 3
Melbourne VIC 3001
www.afca.org.au

Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult AFCA website to find out if or when the time limit relevant to your circumstances expires.

As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any personal information or other information which you transmit to us online is transmitted at your own risk.

Our website may contain links to other websites operated by third parties. We make no representations or warranties in relation to the privacy practices of any third party website and we are not responsible for the privacy policies or the content of any third party website. Third party websites are responsible for informing you about their own privacy practices.

If you have any questions about this privacy policy, any concerns or feedback regarding the treatment of your privacy, please use the contact link on our website, contact us by phone on 0414 835 020 or by writing to us on email at myteam@havenpf.com.

We may change this privacy policy from time to time. Any updated versions of this privacy policy will be available on our website. This privacy policy was last updated on 04/09/2020.