Green Light Home Loans Privacy Policy

Our Commitment to Protect your Privacy

At Green Light Home Loans our aim is to provide our customers with the best possible range of financial products and services. We are committed to respecting your right to privacy and protecting your personal information. This document outlines our privacy policy commitment in respect to the personal information that we may collect about you. We acknowledge that any information that we collect from you or that 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 disclosed in that Privacy Act and any other relevant legislation.

Who is Green Light Home Loans?

Green Light Home Loans is a Townsville based organisation that offers financial products and services within the mortgage industry. We process and assess information in regards to the loan application and locate lenders suitable to provide you the loan. We also market other financial products and solutions offered by our business partners.

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. To enable us to maintain a successful business relationship with you, we may disclose your personal information with other organisations that provide product and 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, mortgage insurers, credit reporting agencies and solicitors. Additionally, we may also disclose your personal information to any other organisation that may have or is considering having an interest in our business.

How Do We Collect Your Personal Information?

Green Light home Loans will collect personal information in a number of ways. This includes:

a) Directly from you when you enter your personal details on our website whilst enquiring about or applying for products and services, when you disclose information by telephone; and / or in other documents such as an application from
b) From third parties such as our associated business partners
c) From publicly available sources of information
d) From our own records

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 or organizations 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; (a) the organisation has a commitment to protecting your personal information at least equal to our commitment; and (b) 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 Taxation Office.

Direct Marketing

From time to time we may use your personal information to provide you with current information about home loans, special offers you may find of interest, changes to our organisation or services offered by us or any of our business partners that we are associated with. If you do not wish to receive marketing information, you may at any time decline to receive such information by advising us by e-mail to info@greenlightonline.com.au or by writing to us at PO BOX 336 Thuringowa BC 4817. We will not charge you giving effect to your request and we will take all reasonable steps to meet your request at the earliest opportunity.

Up Dating 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 may 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 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 your 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 costs in retrieving and supplying the information to you.

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 found to be vexatious. An explanation will be provided to you in situations where we deny you access to your personal information that 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 or health record.

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 it 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.

Change on 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 practices. As a consequence we may change this Privacy Policy from time to time or as the need arises.

This Privacy Policy is effective from the 8th of September 2008.

More Information

You can also obtain more information about us and the way in which we manage your personal information by contacting our administration officer on:

Telephone: (07) 4723 6612
Fax: (07) 4723 7699
Mail: PO Box 336, Thuringowa BC, Qld, 4817
E-mail: info@greenlightonline.com.au

A copy of the detailed Privacy Statement can also be obtained from our website at: www.greenlightonline.com.au