Terms & Conditions and Privacy Policy
Disclaimer
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.
Any links to other websites that have been included on this website are provided for your convenience only and Intellichoice does not accept any responsibility for the accuracy, availability, or appropriateness to the user's purposes, of any information or services on any other website.
Intellichoice, its agents, subsidiaries, employees and brokers do not accept liability however arising, including liability for negligence, for any loss resulting from the use of or reliance upon the information and/or reliance on its availability at any time.
Privacy Policy
Intellichoice aims to provide the high quality and exceptional customer service to our customers, by providing the best possible range of products and services.
We understand the importance of protecting your personal information. This privacy and legal statement sets out our privacy policy commitment, which applies to any personal information that you may give to us.
Our Privacy Policy ensures your right to privacy. We understand that any personal information we may collect about you will only be used for the purposes indicated in our policy. It is important to us that you are confident that any personal information we collect from you or is received by us, will be treated with appropriate respect and not used for any other purpose.
We are committed to meeting or exceeding the National 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 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 to conduct our business, which includes assessing and obtaining approval for loans. From time to time, we may offer other products and services.
How Do We Collect Your Personal Information?
Where reasonable and practical we will collect your personal information only directly from you.
To Whom Will We Disclose Your Personal Information?
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 Might We Disclose Your Personal Information?
Where possible, we will inform you, at or before the time of collecting your personal information and 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 mortgage loans, special offers and properties 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 contacting our office on +61 7 3624 1900 or emailing us on info [at] intellichoice [dot] com [dot] au. 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.
Updating 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 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 inform us if the information we hold about you is inaccurate or incomplete.
Access to Your Personal Information
We will provide you with access to your personal information we hold about you. You may request access to any of this personal information by contacting our office on +61 7 3624 1900 or emailing info [at] intellichoice [dot] com [dot] au. We may charge a fee for our costs in retrieving and supplying the information to you.
Denied Access to Your Personal Information
There may be situations where we are not required to provide you with access to your personal information. An example of such a situation would be information relating to an existing or anticipated legal proceeding with you, or if your request is vexatious. If we deny you access to any of your personal information that we hold, we will explain why.
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.
Sensitive Information
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 relates 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?
We will take reasonable steps to protect your personal information by storing it in a secure environment, and 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. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
Further Information
You may request further information about the way we manage your personal information by contacting:
Intellichoice Financial Services
Tel: +61 7 3624 1900
Fax: +61 7 3357 5545
Email: info [at] intellichoice [dot] com [dot] au
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 is the law and market place practice. As a consequence, we may change this privacy policy from time to time or as the need arises.
Security of online information
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 connection 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. If you have any questions or concerns about the security of information on the Intellichoice website, please call +61 7 3624 1900 or email info [at] intellichoice [dot] com [dot] au.