Privacy

This Privacy Policy applies to the services offered on the www.www.accesshomeloans.au web site offered by Independent Mortgage Corporation Pty., Ltd., (ABN 88 640 230 425) ("IMC").

Please read this Privacy Policy carefully before using the IMC website.

Usage of the IMC website is conditional upon you agreeing to be bound by this privacy policy.

In summary, whilst you should read each provision in this Privacy Policy, you must note that by using the IMC website:

• You agree that if you submit your personal information to us, we may create a database record about you
• You agree for us to use cookies on your browser (unless you remove them - please see below for an explanation)

Our commitment to protect your Privacy

Independent Mortgage Corporation Pty Ltd seeks to provide the best possible service to its customers by providing the best possible range of financial products and services.

We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information that 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 is IMC

Independent Mortgage Corporation Pty., Ltd., is an organisation that offers financial products and services within the mortgage industry. We process and assess information in respect of loan applications. We locate funders suitable to provide loans to you, and also manage loans and market other products.

What is your 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 intermediaries, lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting agencies and lawyers. We may also disclose your personal information to any organisation that may have or is considering having an interest in your loan, or in our business.

Who will we disclose your Personal Information to?

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 other organisations, we will take all reasonable steps to satisfy ourselves that:

• The organisation has a commitment to protecting your personal information at least equal to our commitment;and
• You have consented to us 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 Tax Office.

Direct Marketing

From time to time we may use your personal information to provide you with current information about mortgage loans, special offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company we are associated with.

If you do not wish to receive marketing information, you may at any time decline to receive such information by contacting our offices. Please address your corrospondence to:

E-Mail: Privacy Officer
Phone 9861 9999
Fax: 9882 5511
Or via post to:

Attention, Privacy Officer, Independent Mortgage Corporation Pty Ltd,
401 Riversdale Road, East Hawthorn
Victoria, 3123

We will not charge 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 can 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.

Other Websites

From time to time IMC may chose to provide links to other web sites outside of the IMC site. These linked sites are not under the control of IMC, and we are not responsible for the conduct of the companies linked to our web site. Before disclosing your personal information on any other web site, we advise you to examine the Terms and Conditions of those web sites.

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 practicable 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.

Where sensitive information is collected, stored, used or transferred about you, we will only use this information if you have consented or in the exercise or defence of a legal claim. Sensitive information is information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional association or trade unions, sexual preferences, criminal record or health.

How safe is your Personal Information

We will take reasonable steps to protect your personal information by storing it in a secure environment, and when the information is no longer need for any purpose for which the information may be used or disclosed, it will be destroyed or permanently de-identified.

Cookies on our Website

Cookies are pieces of information that a web site transfers to your computer's hard disk for record keeping purposes.

Most web browsers are set to accept cookies. IMC uses cookies to make your use of our website and services as convenient as possible. Cookies do not themselves personally identify users, although they do identify a user's browser. Cookies allow us to remember the information you have entered as you move through our site, and let us know how many people are using the different parts of the site. If you do not wish to receive any cookies you may set your browser to refuse cookies. However, this may mean you will not be able to take full advantage of IMC's web site.

When you submit information on our site anonymously, such as when using a rate calculator, we do not use this information back to a cookie which identifies you or retain it in any way unless you have agreed to this information being retained.

Further Information

You may request further information about the way we manage your personal information by contacting us.

Changes to our Privacy Policy

We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market place practice.

As a consequence we may change this privacy policy from time to time or as the need arises.

This privacy policy came into existence on the 21st December, 2001.