Introduction
Best Finance Solutions operating as Gold Finance (“we”, “us”, “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or engage our mortgage broking services. By using our services, you agree to the terms of this Privacy Policy.
Information We Collect
We collect information about you and your interactions with us. The type of personal information we may ask you to provide to us includes but is not limited to:
- Personal and contact details such as your name, phone number, residential or postal address, email address and date of birth;
- Documentary evidence to verify your identity such as a certified copy of your driver’s licence, passport, birth certificate, citizenship and marriage certificates;
- Australian Governance related identifiers and identity documents such as your Tax File Number and country of tax residency;
- Financial details such as details of your employment, income, assets, financial liabilities;
- Information we need to provide our services to you such as your bank account details; and
- Credit information such as a credit check.
We may collect information about you in addition to what you voluntarily provide to us in order to comply with relevant laws and regulations. We may obtain a credit report from a credit reporting body. We may also collect information about you that has been made available by third parties who are permitted to provide your data.
We may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses.
We may also collect non-personal information, which does not identify you individually, including:
- Browser type and version
- Operating system
- IP address
- Pages visited on our website
- Time and date of visit
- Referring website
How We Use Your Information
Personal Information
We may use your personal information for the following purposes:
- To provide and manage our mortgage broking services
- To process your mortgage applications
- To communicate with you regarding your application and our services
- To conduct credit checks and verify your identity
- To comply with legal and regulatory requirements
- To improve our services and customer experience
- To send you marketing and promotional materials
Non-Personal Information
We use non-personal information to:
- Analyze website traffic and usage
- Improve our website and services
- Ensure the security of our website
Disclosure of Your Information
We may disclose your personal information to third parties in the following circumstances:
- To lenders and financial institutions as part of your mortgage application process
- To credit reporting agencies for credit checks
- To our service providers who assist us in providing our services (such as IT support and marketing agencies)
- To comply with legal obligations or in response to lawful requests by public authorities
- To protect our rights, property, and safety, and those of our clients and others
- If you are applying to join our network;
- For employment with us, to assess, process and manage your application for employment;
- To handle any complaints that you may have;
- Any other purpose permitted under the Privacy Act;
- Any other purpose you have consented to; and
- Any other permitted purpose set out in this Policy such as direct marketing.
We may also disclose your personal information where it is:
- necessary to provide our products or services to you or undertake operations relating to these products and services (such as to our employees, business partners, suppliers and service providers, professional advisers);
- to carry out promotions or other activities you have requested or for direct marketing purposes (unless you have opted-out of direct marketing communications);
- required by law (such as to the Australian Securities and Investments Commission or AUSTRAC);
- authorised by law (such as where we are obliged to disclose information in the public interest or to protect our interests);
- required to assist in law enforcement (such as to a police force);
- any successors in title to our business (including new business partners or owners;
We do not sell, trade, or otherwise transfer your personal information to outside parties without your consent, except as described in this Privacy Policy.
Direct marketing
From time to time, we may also use your personal information to tell you about products and services we think may be of interest and value to you, changes to our organisation, or new products or services being offered by us or any company with whom we are associated, but we will stop if you tell us to.
We may contact you by various means, including by mail, telephone, email, SMS or other electronic means such as through social media or targeted advertising through our website or online services.
If you do not want to receive direct marketing from us, you can opt-out by writing to us at admin@goldfinances.com.au. If the direct marketing is by email you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
Security of Your Information
We implement a variety of security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include physical, technical, and administrative safeguards.
Retention of Your Information
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected and to comply with legal and regulatory requirements.
Notifiable Data Breaches
We are required to notify you and the Office of the Australian Information Commissioner where there is a data breach that will likely result in serious harm to you.
If at any time you believe your personal information which we hold has been the subject of a data breach, please contact us immediately using the contact details set out in this Policy.
Your Rights
You have the right to:
- Access your personal information
- Correct any inaccuracies in your personal information
- Request the deletion of your personal information (subject to legal and regulatory requirements)
- Withdraw your consent to the processing of your personal information (where applicable)
To exercise any of these rights, please contact us using the contact details provided below.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website, and we will notify you of any significant changes by email or through a notice on our website.
Contact Us
If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:
Best Finance Solutions – Gold Finance
0415571893
admin@goldfinances.com.au
