Privacy Policy
Who are we?
‘We’, ‘us’, and ‘our’ refer to Dezire Mortgage Solutions and our related businesses.
Our commitment to protect your privacy
At DEZIRE MORTGAGE SOLUTIONS, we understand that the details you provide us are private and personal. We strive to ensure that you feel secure whenever you engage with us. It is equally important that you understand how we safeguard your privacy and the ways in which we may use your information. Our policies related to personal information are designed to ensure full protection under Australian privacy laws.
Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.
Personal information
When we refer to personal information, we mean information from which your identity is reasonably apparent. This information may include data or an opinion about you. The personal information we hold about you may also include credit information.
Credit information is used to assess your eligibility for finance and may encompass any outstanding loans, your repayment history, and any defaults. Typically, credit information is exchanged between credit and finance providers and credit reporting bodies.
The types of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other identifying information. If you are applying for finance, we may also collect information about your dependents, cohabitants, length of residence, employment details, earnings, and expenses. If you apply for any insurance product through us, we may also collect health information with your consent.
Why we collect your personal information?
We collect personal information when you apply to join our network or for purposes of assessing your application for finance and managing that finance. We may also collect your personal information for direct marketing and managing our relationship with you. From time to time, we may offer other products and services.
To maintain a successful business relationship, we may disclose your personal information to organizations that provide products or services used or marketed by us. We may also disclose your personal information to any organization that may have or is considering having an interest in your finance or our business.
How do we collect your personal information?
Where reasonable and practical, we will collect your personal information directly from you. We may also collect this information from finance brokers and other sources such as accountants and lawyers.
Do we disclose your personal information?
We may disclose your personal information:
Prior to disclosing any of your personal information to another person or organization, we will take all reasonable steps to ensure:
(a) The recipient has a commitment to protecting your personal information at least equal to ours, or
(b) You have consented to the disclosure.
We may use cloud storage to store your personal information. The cloud storage and IT servers may be located outside Australia.
We may disclose your personal information to overseas entities providing support functions to us. You may obtain more information about these entities by contacting us.
Direct marketing
From time to time, we may use your personal information to provide current information about finance, offers, organizational changes, or new products or services offered by us or related companies.
If you do not wish to receive marketing information, you may decline by writing to us at info@deziremortgage.com.au. For email marketing, you may also use the unsubscribe function. We will not charge you for processing your request and will strive to comply promptly.
Updating your personal information
It is crucial that the personal information we hold is accurate and up-to-date. During our relationship, we may ask you to update your information. If you need to make changes, please contact us. We generally rely on you to ensure accuracy.
Access and correction to your personal information
We will provide access to the personal information we hold. You may request access at any time.
We may charge a fee for retrieving and supplying the information.
Depending on your request, we may respond immediately or within seven days. We may need to consult other entities to properly investigate your request.
There may be situations where we are not required to provide access, such as existing or anticipated legal proceedings, or if the request is vexatious. An explanation will be provided if access is denied.
If information is incorrect, you may request a correction. We will correct, if appropriate, or provide an initial response within seven days. Further details will be given after our investigation, typically within 30 days.
We may refuse to correct information and will provide reasons for doing so.
Using government identifiers
If we collect government identifiers, such as your tax file number, we will not use or disclose this information except as required by law.
Business without identifying you
In most circumstances, it will be necessary to identify you to conduct business. However, where lawful and practicable, we will offer opportunities to do business without personal information, for example, general inquiries about rates or promotions.
Sensitive information
We will only collect sensitive information with your consent. Sensitive information includes data related to racial or ethnic origin, political persuasion, memberships in associations or unions, sexual preferences, criminal record, or health.
How safe and secure is your personal information that we hold?
We will take reasonable steps to protect your personal information by storing it securely, in both paper and electronic form, against misuse, loss, unauthorized access, modification, or disclosure.
Complaints
If dissatisfied with our handling of your personal information or compliance with the Privacy Act, you may contact our complaints officer at bijoy@deziremortgage.com.au. We will acknowledge your complaint within seven days and provide a decision within 30 days.
If unresolved, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA). AFCA provides independent financial services complaint resolution free for consumers.
Website: www.afca.org.au
Email: info@afca.org.au
Telephone: 1800 931 678 (free call)
In writing: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
Further information
You may request further information about our management of your personal information by contacting us.
Change in our privacy policy
We continually review and update our policies to meet market expectations, technological advancements, and legal requirements. Consequently, this privacy policy may change periodically. You may request this policy in an alternative form.
This Privacy Policy was last updated on 01 December 2024.
