We collect no personal information about you when you visit this website unless you choose to provide this information to us. However, certain information about site visitors is automatically collected and stored.
Links to External Web Sites
Links from this website to a website are for the convenience of the user. Such links do not constitute an official endorsement or approval of any private sector website, product, or service.
Disclaimer of Liability
Every effort is made to provide accurate and complete information. However, we cannot guarantee that there will be no errors. With respect to documents and information on this website neither Link Mortgage Services, nor their employees and contractors make any warranty, expressed or implied, including the warranties of merchantability and fitness for a particular purpose with respect to documents available from this web site. Additionally, Link Mortgage Services assumes no legal liability for the accuracy, completeness, or usefulness of any information, product, or process disclosed herein and do not represent that use of such information, product, or process would not infringe on privately owned rights.
Our Privacy Statement
This statement applies to the operations of Link Mortgage Services.
Link Mortgage Services recognises that it is important for you to know how we deal with your personal information and for that reason this statement provides details in relation to our current Privacy Statement.
This Privacy Statement has been developed to comply with the relevant provisions of the Privacy Amendment Act 2012 about how and when personal information is collected, stored and distributed by Link Mortgage Services.
PRIVACY COLLECTION STATEMENT
The privacy of your personal information is important to us.
- Your representative will ask you many questions. Why is so much information required?
We collect your personal information to enable us to provide you with the products and services that are appropriate to your needs. Under the following Australian laws we may be authorised or required to collect your personal information:
- Corporations Act 2001,
- Australian Securities and Investment Commissions Act 2001,
- Anti Money Laundering and Counter Terrorism Financing Act,
- Taxation Administration Act 1953,
- Superannuation Guarantee (Administration) Act 1992 and
- Superannuation (Unclaimed Money and lost members) Act 1999
as those acts are amended and any associated regulations. From time to time other acts may require, or authorise us to collect your personal information.
We are required to collect sufficient information to identify a person’s needs, objectives and financial circumstances so that we can provide appropriate financial advice.
We will gather the information by asking you numerous questions about you and possibly your family. We will record this information. We endeavour to retain accurate, complete and up to date personal information about you so we will ask you to review the information from time to time.
If the information you provide to us is incomplete or inaccurate this will impact on our analysis of your requirements and may result in advice that is not appropriate to your needs and circumstances. If this does occur you will need to make your own assessment concerning the appropriateness of our advice.
At times, we may collect personal information from someone other than yourself and you may not be aware that we collect or have collected this information.
- Access and correction
You may (subject to permitted exceptions) access and update your information by contacting us. You may access the personal information we retain and request corrections. This right of access is subject to some exceptions allowed by law. We will give you reasons if we deny access though will endeavour to ensure that at all times the personal information about you that we hold is up to date and accurate. The accuracy of the personal information is dependent to a large degree on the information you provide and you should advise us if there are any errors in your personal information.
- Providing personal information
We may provide personal information to:
- organisations (who are bound by strict confidentiality) to whom we outsource certain functions such as our auditors. In these circumstances, information will only be used for our purposes;
- other professionals such as solicitors, accountants and stockbrokers when a referral is required;
- entities based overseas (see below for details);
- third parties when required to do so by law, e.g. legislation or Court Order.
- Overseas disclosure
Sometimes we need to provide personal information to or get personal information about you from persons located overseas. For example we may outsource a function involved in the financial planning business to someone based overseas. Nevertheless, we will always disclose and collect your personal information in accordance with Privacy Principles.
Although in certain circumstances we are required to collect government identifies such as tax file numbers, Medicare number or pension card number, we do not use or disclose this information other than when required or authorised by law or unless you have voluntarily consented to disclose this information to any third party.
- Dealing with us anonymously or using a pseudonym
The nature of the provision financial services does not lend itself to treating customers with anonymity. All transactions require personal information about the individual for whom the transaction is being completed. However, in some instances we may be able to provide information or a service anonymously or to you under a pseudonym, for example, enquiries about products from a potential client.
You can deal with us anonymously where it is lawful and practicable to do so.
- Marketing Practices
Every now and then we might let you know, via mail, SMS, telephone or online, about news, products and services that you might be interested in. We will engage in marketing unless you tell us otherwise. At any time, you can contact us to update your marketing preferences.
- Sensitive Information
Without your consent, for example where information is provided by you for insurance and or risk purposes, we will not collect sensitive information about you. Exceptions to this include where the information is required by law, or for the establishment, exercise or defence of a legal claim.
- Privacy Complaints
If you believe your privacy has been breached or you have a privacy complaint, you should write to us by email at firstname.lastname@example.org or to the Privacy Officer at Level 2 205 Balaclava Road Caulfield North VIC 3161.
If Link Mortgage Services Pty Ltd does not satisfactorily address your complaint you can escalate it to the Office of Australian Information Commissioner.