General

Where possible, we will inform you, at or before the time of collecting information of the types of organisations to which we intend to disclose your personal information. We will never unnecessarily exchange your personal or business information with any third party for any reason, unless compelled by force of law. In the ordinary operation of our business we may be required to share your information with other organization for any purpose described above.

 

Sharing with your representative and referees:

We may share your information with:

• your representative or any person acting on your behalf (for example, lawyers, settlement agents, accountants or real estate agents); and

• your referees, like your employer, to confirm details about you.

 

Sharing with third parties

We may share your information with third parties in relation to services we provide to you, during our services in which we reasonable consider may interest you. Those third parties may include:

• the mortgage aggregator through whom we may submit loan or lease applications to lenders or lessors on the mortgage aggregator's panel. You can access the Broker Group privacy information at www.choiceaggregationservices.com.au/privacy

• referrers that referred your business to us; financial services suppliers with whom we have arrangements;

• valuers; lenders, lessors, lender’s mortgage insurers and other loan or lease intermediaries;

• organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other misconduct;

• government or regulatory bodies as required or authorized by law. In some instances, these bodies may share the information with relevant foreign authorities;

• guarantors and prospective guarantors of your loan or lease;

• service providers, agents, contractors and advisers that assist us to conduct our business;

• any organization that wishes to take an interest in our business or assets; and

• any third party to which you consent to us sharing your information.

 

Sharing outside of Australia

We are likely to disclose your information to organisations overseas and we may need to share some of your information with organization to help conduct our business, located outside of Australia. It is not practical list every country in which such parties are located, but it is likely that such countries may include: New Zealand, United Kingdom, United States of America, Philippines, India, Argentina, Bermuda, Canada, China, Germany, Hong Kong, Fiji, France, Italy, Japan, Malta, Netherlands, Singapore, South Africa, Switzerland and Indonesia.  For more information please call us.

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We may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held.

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Overseas organization may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure.