Privacy & Legal Policy
GENERAL ADVICE WARNINGThe information provided on this website is general in nature only and does not constitute personal financial advice. The information has been prepared without taking into account your personal objectives, financial situation or needs. Before acting on any information on this website, you should consider the appropriateness of the information having regard to your objectives, financial situation and needs. One of our consultants at Intellichoice can assist you with this and will be able to provide you with a product disclosure statement.
DISCLAIMER
Intellichoice Financial Planning Pty Ltd endeavours to update the website as needed. All statements made on this website are made in good faith and we believe they are accurate and reliable. Intellichoice does not give any warranty as to the accuracy, reliability or completeness of information that is contained in this website, except in so far as any liability under statute cannot be excluded. Intellichoice, their directors and their employees do not accept any liability for any error or omission on this website or for any resulting loss or damage suffered by the recipient or any other person.
Unless otherwise specified, copyright of information provided on this website is owned by Intellichoice. You may not alter or modify this information in any way, including the removal of this copyright notice.
OUR COMMITMENT TO PROTECT YOUR PRIVACY
Intellichoice Finance Planning Pty Ltd seeks to provide the best possible service to our clients, by providing the best possible range of finance products and services. We understand that the details you provide us are private and personal. It is important to us that you feel secure whenever you deal with us. It is also important that you understand how we protect your privacy, as well as how, when and where we may use your details.
The following is our Privacy Policy commitment. Please be assured that any personal information we collect about you, will only be used for the purposes indicated in our policy. You can be confident that we will abide by the National Privacy Principles for the protection of personal information, as set out in the Privacy Act (Cth) 1988.
PERSONAL INFORMATION
Personal information means any details or opinion about you, from which your identity is apparent or your identity can be uncovered.
WHY WE COLLECT YOUR PERSONAL INFORMATION
We collect and receive personal information from our clients or from other business referrers in order to conduct our business.
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 other organisation that may have or is considering having an interest in your loan, or in our business.
HOW DO WE COLLECT YOUR PERSONAL INFORMATION?
Where reasonable and practical we will collect your personal information only directly from you. If for some good reason, we are unable to do so, we may involve another organisation. For example, we may need to request a credit report from a credit reporting agency when you apply for a credit facility. Before doing so or prior to collecting the information we need, we will inform you of the type of organisations we intend to disclose your personal information to.
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 of organisations 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 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:
e-mailing us at info@intellichoice.com.au
contacting our office by calling 1300 55 10 45
writing to us at PO Box 232 Wilston QLD 4051
It will not cost you anything and we will ensure that you stop receiving any unwanted communications as soon as possible.
UPDATING YOUR PERSONAL INFORMATION
It is important for us and for you, that the 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 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 PERSONAL INFORMATION
We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time. To access personal information that we hold about you, please contact us either by phone or in writing. We may charge a nominal fee for our costs in retrieving and supplying the information to you.
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.
HOW LONG DO WE KEEP INFORMATION ABOUT YOU?
By law, we are required to hold certain information about you, even after you are no longer an Intellichoice client. However, after such time you can be assured we will destroy your personal information thoroughly and safely.
We may also hold certain information about you if it is needed for a purpose which you are aware of or reasonably expect us to hold the information. When that information is no longer needed, it will be destroyed or permanently de-identified.
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 AND SECURE IS YOUR PERSONAL INFORMATION THAT WE HOLD?
Please be assured that we will take reasonable steps to protect your personal information by storing it in a secure environment. We will ensure that the information is securely protected from misuse, loss and unauthorised access, modification or disclosure. When the information is no longer needed for any purpose for which the information may be used or disclosed, it will be destroyed or permanently de-identified.
FURTHER INFORMATION
You may request further information about the way we manage your personal information by writing or emailing.
CHANGE IN 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 are law and market place practices.
As a consequence we may change this Privacy Policy from time to time or as the need arises.
IF YOU HAVE A COMPLAINT
We are committed to providing you with the best possible level of advice and service. As part of that commitment, we are focused upon maintaining high levels of client satisfaction by providing efficient and accessible systems for resolving any client complaint.
If you have any complaint about the service provided to you, you should take the following steps:
1. Contact Intellichoice and inform your consultant about your complaint
2. If you do not get a satisfactory outcome after 45 days, you have the right to lodge a complaint to the Financial Industry Complaints Service (FICS). Please download a FICS Complaint Form from www.fics.asn.au and complete it according to the instructions and the information outlined in the document Important Information About Lodging a Complaint. You can contact FICS on 1300 780 808 if you need help completing the form or require any other assistance. The completed FICS Complaint Form and copies of any supporting documents, including details of how the amount of your claim has been calculated can be mailed to:
Financial Industry Complaints Service
PO Box 579
Collins Street West
Melbourne VIC 8007
Please note that this form cannot be lodged with the FICS electronically.
SECURITY OF INFORMATION ONLINE
The security of information transmitted over the Internet cannot be guaranteed.
You should ensure that your web browser is set up to advise you when you are connected through a secure link or not. This is a standard feature on most browsers.
Intellichoice takes every precaution to protect the security of information provided by us to you, and by you to us.
All contents contained in or accessed through Intellichoice's websites and/or online services are provided on an "as is" and "as available" basis and you agree that you use them at your sole risk. We expressly disclaim all warranties of any kind, whether express or implied, including implied warranties of merchantability, satisfactory quality, fitness for a particular purpose and non-infringement, to the fullest extent allowed by law.
Without prejudice to the foregoing, we make no warranty as to the accuracy, reliability or quality of any content obtained through Intellichoice's websites and/or online services or any defects therein will be corrected and that such content and access to them are error free and uninterrupted or available at all times.
UNDER NO CIRCUMSTANCES WILL INTELLICHOICE BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY CLAIMS, DAMAGES, LOSSES, EXPENSES, COSTS OR LIABILITIES (INCLUDING WITHOUT LIMITATION, ANY DIRECT, INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOSS OF PROFITS OR LOSS OF OPPORTUNITY) ARISING FROM YOUR ACCESS AND/OR USE OF ANY OF INTELLICHOICE'S WEBSITE OR ONLINE SERVICES, EVEN IF INTELLICHOICE HAS BEEN INFORMED ABOUT THE POSSIBILITY OF SUCH DAMAGES.
If you have any issues or concerns about the security of information at this site, please call us on 1300 55 10 45.
