PFG Mortgage is committed to supporting the Australian Privacy Principles and we have established this page to ensure that you are fully protected under Australian Privacy Laws. PFG Mortgage assures the confidentiality of your private information provided to us in the due course of visiting our website, accepting any services or products offered through PFG Mortgage or participating in any PFG Mortgage promotions.
By registering with us, you consent to the collection, use and disclosure of your personal information, however only in accordance with the Australian Privacy Principles. We reserve the right to modify or remove portions of this Privacy Policy at any time. The Privacy Policy is different from other terms and conditions relevant to our web site. www.pfghomeloans.com.au acknowledges and respects the privacy of people and understands the importance of protecting the personal information of our visitors especially that is capable of identifying an individual. We encourage you to check our website regularly for any updates to our Privacy Policy. This policy is current as at 20 November 2014.
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Personal information may be collected only when you visit our website, accept and services or products ofPFG Mortgage or participate in any PFG Mortgage promotions. This also includes any emails send to us or on queries submitted and any feedbacks given, which are voluntarily submitted. We intend to collect your details depends on the purpose it was collected that includes to process your requests, to avail products and services of PFG Mortgage which is of your interest also to provide you with further services or to answer or to forward any requests or enquiries.
A cookie is a small piece of information that may be copied to your hard drive by a web server when you visit our website. It serves as a memory for you to remind you of your favorite search items so that you do not have to enter the same details when you visit the website again. Cookies allow us to customize the website according to your needs. Cookies play a significant role in providing some features of our online services. It enables us to identify you and your visit to our website and your access to various pages on the site. In addition to this, it also helps to find out the number of unique browsers and the duration of their visit to our website and the common entry and exit points to our website. Cookies are used to know the hits and traffic of the website.
Personal information collected includes name, address, telephone number or email id, financial information such as bank account details, or debit/credit card information, other valid identification numbers as per the company policy, or date of birth, and any other information PFG Mortgage may collect with your approval, as permitted or required by law and in compliance with Australian privacy principles.
Usually, the main reason for collecting your personal information is to provide you with the services of PFG Mortgage, without which we may not be able to offer certain services. We would require your personal information to:
The other reason we might use your personal information is to,
You always have the option of not identifying yourselves, or of using a pseudonym, when dealing with PFG Mortgage in relationto a certain matter, but not all.
If you don’t identify yourself, PFG Mortgage may not be able to offer you the information on all services and provide its products and services you would otherwise receive. PFG Mortgage is required or authorized by or under an Australian law, to deal with our customers who have identified themselves before we offer our services; or on instances where it is impracticable for PFG Mortgage to deal with customers who have not identified themselves or who have used a pseudonym.
We may share your personal information with other companies within the PFG Mortgage Group (which includes the affiliated companies and partnering companies that offers services and products for distribution).The personal information that you provide us will be disclosed to a third party only if it is necessary to do so.
PFG Mortgage holds personal information of its customers that was collected for a particular purpose (the primary purpose), we will not use or disclose the information for another purpose (the secondary purpose). Your personal information will be used and disclosed only for the purpose for which it is submitted.
We may also reveal your personal information when the law requires disclosure, to any credit reporting agencies which you have consented to, or to our co-branding or branding partners. PFG Mortgage may also have to transfer your personal information overseas to complete the services requested by our customer, this will be always subject to Australian Privacy Principles.
You should be aware that your personal details may be disclosed in special situations in order to identify, contact or take legal action against anyone damaging, injuring, or interfering (intentionally or unintentionally) with our rights or property.
Apart from this, we may have to supply your details to the third parties when they need to engage in providing services to you on our behalf. It is important for you to examine the terms and conditions and privacy policies of other websites which have links in pfghomeloans.com.au.
You can access your personal information that we hold by visiting our office at Unit 2, 189 B South Centre Road, Tullamarine, Victoria 3043. Alternatively, you contact us on info@pfgmortgage.com.au or at 03 9021 1068. PFG Mortgage will respond to your request within 30 days from such request is made. PFG Mortgage will not charge from you for the making of the request for giving access to the personal information. However, we might charge a minimal fee if the personal information you request requires research or preparation time.
PFG Mortgage always takes all reasonable methods to maintain the accuracy of the information collected. We have the correction process that will help you to update any changes in your personal information. Our affiliates are also required to maintain these general standards while collecting the personal information.
PFG Mortgage support all customers in updating the personal information by contacting us or visiting our office. We might ask for a supporting document to prove before amending any sensitive information.
We understand the importance of security of personal information and hence we strive hard to protect them from loss, misuse, unauthorized access, modification, alteration or disclosure. You have the full authority to access and request the changes, modifications and deletion of any personal information at any time as and when required. Such requests can be made by contacting us directly. Although data transmission over the internet cannot be guaranteed, we will take necessary steps to protect your personal information send out to us from our online services. We assure you of making the best efforts in ensuring the security of your details on our systems. Once our dealing with you is completed, we endeavor to take reasonable steps to delete or permanently erase the personal information if no longer required. Sometimes we will have to retain your information to comply with legal responsibilities.
PFG Mortgage may make use of your personal to offer its latest products and services or update you on any new promotional offer which we believe may of your good interest. However, you always have the option to inform us if you do not want to receive such offers anytime by contacting us.
PFG Mortgage may exchange the personal information it holds within its organization and its affiliated companies or partnering companies so they can market their products and services to you.
PFG Mortgage ensures protecting the personal information of its customers. We will never request you to share your personal information via unauthorized emails or fax. Kindly ensure you do not share any sensitive information to unauthorized individuals via unsecured emails, calls or fax. Please contact us immediately if you have been contacted by an unauthorized person, email, call or fax.
Talk to us first, if you find PFG Mortgage breach any of the privacy policy stated above. We will resolve your issue as a priority. We will try to resolve all issues pertaining to Privacy issues within 30 days internally. Please contact us for any privacy issues you have with us.
If you cannot resolve your issue from the first point of contact, we will escalate the issue to Compliance Team for the further processing.
If you are still unsatisfied with the outcome, you can refer the complaint to the Office of the Australian Information Commissioner ("OAIC"). You can contact OAIC by visiting www.oaic.gov.au; email to enquiries@oaic.gov.au; calling 03 9021 1068,If calling from outside Australia call: + 61 2 9284 9749, or writing to OAIC at GPO Box 5218, Sydney, NSW –2001 or GPO Box 2999, Canberra, ACT- 2601
If you have any concerns, you may feel free to contact us.
PFG Mortgage Unit 2, 189 B South Centre Road, Tullamarine, Victoria 3043. Tel: 03 9021 1068 Email:info@pfgmortgage.com.au
