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Bluefin Finance's Privacy Policy Bluefin Finance want to provide the best possible service to our clients by making the most efficient use of your personal information. However, it is of utmost importance to us that you are confident that any personal information provided to us is treated with an appropriate degree of privacy. Bluefin Finance Bluefin Finance is an organization that provides mortgage brokering and other related finance services to our clients. Bluefin Finance is located at the following physical address: 3/146 Wycombe Road Neutral Bay NSW 2089 AUSTRALIA ABN: 68 116 743 303 Ph: +61 2 9909 8933 Fax: +61 2 9909 8762 Email: info@bluefin.net.au Definitions: Personal Information: Personal Information is information or an opinion (including information or an opinion forming part of a database) whether true or not, and whether recorded in a material form or not about an individual whose identity is apparent, or can reasonably be ascertained, from the information or opinion. Sensitive Information: Sensitive information is a subset of personal information. It means information or opinion about an individual's racial or ethnic origin, political opinions, membership of political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences, criminal record or health information about an individual. Collection of Personal information It is essential for Bluefin Finance to collect personal information to complete its standard business activities of providing mortgage brokering and finance services to our clients. When collecting information we:
Collection and usage of personal information is essential for us to complete our business with clients. Where reasonable and practicable, Bluefin Finance collect personal information directly from clients. This may occur for example when completing an application form for a product or request a product or service over the telephone or Internet. Where not reasonable or practicable to collect personal information directly, Bluefin Finance relies on third parties. Below are examples of situations where we may receive personal information from another source, and why this would happen:
Consent In the majority of circumstances Bluefin Finance will require your specific consent before we collect, use or disclose personal information. Consent will be obtained in writing; however, there may be some situations where your verbal consent is accepted. Disclosure Bluefin Finance does not generally disclose personal information to any other party, unless required or authorised by law, consent is given, or is required to complete a business transaction. There are times when Bluefin Finance is required or authorised by law to disclose personal information. Personal information may be required in accordance with taxation law to be provided to the taxation office, or under subpoena to a Court of Law. Personal information may also be disclosed where consent has been obtained. Consent may be received directly from a client, as set out above, or may be implied from a client's conduct. Personal information is only disclosed to parties outside Bluefin Finance where it is required to complete business activities. Some examples where this may occur are:
Accuracy It is essential to Bluefin Finance that personal information is complete and up-to-date at all times to effectively conduct standard business activities. When using personal information we will contact a client to determine if any personal details have changed. Bluefin Finance can also contacted at any time to update personal information, or to advise that information held is inaccurate or incomplete. Access Individuals can request access to their personal information by contacting Bluefine Finance. A summary of personal information (E.g. name, address, phone number) is freely accessible. In some situations, where the information requested goes beyond a basic summary, a fee may be charged for access. This fee is used to cover the cost to Bluefin Finance for retrieving and supplying the information. Bluefin Finance endeavors to handle all requests for personal information within 30 days of having received the request. Some requests may take longer than 30 days, depending on the information sought, in which case the individual will be notified of the expected time frame as soon as is practicable. There are some circumstances where requests for access to information may be denied by Bluefin Finance, such as where the information may relate to existing or anticipated legal proceedings, where denying access is required or authorised by law, or where the request for access is regarded as frivolous and vexatious. If a request to access or change personal information is denied, we will offer a formal explanation for our actions. Security It is of utmost importance to Bluefin Finance that personal information is protected from unauthorised access, loss, modification, misuse or disclosure. When information is no longer required we ensure that it is deleted from our systems, destroyed in a secure manner, or permanently de-identified. In common with other financial service providers we use agents and other third parties to provide some services to Buefin Finance and for this purpose we sometimes need to provide them with relevant parts of the information which we have obtained from clients under their contracts. These third parties are required to keep your information confidential and use it only for the purposes for which we are permitted. We may offer through our website products or services that are supplied by or through other organisations. If a client enquires about the service we will need to pass to them relevant details about the client and their enquiry, to complete the transaction. Information Security Bluefin Finance takes all reasonable steps to protect clients' security when using our web site but they you should be aware that no transmission of information to and from web sites is ever totally secure. Identifiers In some circumstances certain Commonwealth identifies (e.g. Tax File Numbers) may be collected as proof of identity when carrying out standard business activities. These identifiers are securely destroyed, and are not used by Bluefin Finance in any way to identify an individual. Wherever it is lawful and practicable to do so, Bluefin Finance will endeavor to deal with clients anonymously. For example, when a client requests information regarding the services offered by Bluefin Finance. Sensitive Information Sensitive information (as defined above) is only collected by Bluefin Finance where consent has been obtained, it is allowed by law, or the collection is necessary for the establishment, exercise or defense of a legal claim. Trans-border Data Flows Bluefin Finance does not send any personal information outside of Australia unless we are authorised to, or required to by law. Complaints Any complaints with regard to the handling of your personal information in breach of this Privacy Policy can be directed to: Privacy Officer Bluefin Finance 3/146 Wycombe Road NEUTRAL BAY NSW 2089 Ph: 02 9909 8933 Any complaints that have not been handled satisfactorily by Bluefin Finance can be referred to the Federal Privacy Commissioner, Telephone:1300 363 992, or Address: Director of Complaints Office of the Federal Privacy Commissioner GPO Box 5218 Sydney NSW 1042 |
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