Privacy Policy
Introduction
Integrate Lending Solutions Pty Ltd (Integrate Lending) and our representatives are committed to protecting your personal information.
We apply the obligations contained in the Privacy Act and the Australian Privacy Principles to our practices for handling personal information.
This summary explains how we collect, use, hold and disclose your personal information. For further details, please refer to the full Integrate Lending Limited Privacy Policy.
Personal information that we collect and use
We collect and use personal information to enable us to provide financial and credit advice, products and services to you.
We generally obtain your consent before we collect your personal information (unless otherwise permitted by law) and we take reasonable steps to limit the collection of information to what is needed to provide our products and services.
In most instances, we collect your personal information from you through a data collection process, or through product applications. In some circumstances, we may collect your relevant health and medical information.
Some personal information may be collected automatically, whilst navigating through and interacting with the content of our websites and social media, as well as information on your device or computers (such as cookies).
You have the right to not provide personal information, including about your identity. However, withholding information may impact on the quality and appropriateness of the advice and services we can provide. Further, in some circumstances, the law requires us to obtain and check details of identification documents. We may decline to provide services or advice if we feel we have insufficient information.
Handling your personal information
We take all reasonable precautions to protect the personal information we hold about you from misuse, interference and loss, and from unauthorised access, modification or disclosure. The information we collect may be stored either electronically such as on mortgage aggregation software or on secure servers. Paper files are maintained in secure offices or securely destroyed once digitized. We have a range of practices and policies in place to provide a robust security environment.
Personal information collected may also be used for direct marketing purposes to promote events, products or services that may be of relevance to you. Please contact us should you wish not to receive direct marketing.
Where personal information is no longer required, we take steps to de-identify or securely destroy the information.
Sharing your personal information
The most common examples of who we may share your personal information with are:
Integrate Lending related companies
Financial product and credit product providers
Mortgage Aggregation software providers
External service providers, such as technology service providers, outsourcing administration services
Accountants, solicitors and other professionals you nominate
We may also disclose personal information to other individuals and companies where necessary to provide you with products and services or for our business operations. In some circumstances, we may be required by law to disclose your personal information to regulators, government agencies or law enforcement agencies.
Overseas disclosure of personal information
We may disclose your personal information to service providers who operate outside Australia including India and the Philippines. The purpose of such disclosure is to facilitate the provision of financial services including the preparation of financial advice documents.
All reasonable steps will be taken to ensure that offshore service providers comply with the Privacy Act.
Accessing and correcting personal information
You can request access to personal information we hold about you. A reasonable fee may apply depending on the information you request and how it is held. You may also ask for corrections to be made. Please contact your adviser, broker, or us for further information.
There may be circumstances where we refuse to correct or provide you with the information you request. In these situations, we will provide an explanation as to why.
How can you make a complaint?
We have formal processes to deal with any concerns related to the handling of your personal information. We will acknowledge your complaint within one business day or as soon as practicable. We will respond to complaints within 30 days. Some complex matters may require an extension to thoroughly investigate and resolve. If additional time is required, we will advise you in writing.
If you remain dissatisfied with our response, you have the right to lodge a complaint with an independent complaint handling entity, such as the Office of the Australian Information Commissioner or for issues about our advice, investments or mortgage broking – the Australian Financial Complaints Authority.
Integrate Lending Privacy Officer
If you have any privacy-related questions or would like further information on Integrate Lending privacy and information handling practices, please contact the Integrate Lending Privacy Officer.
Mail - 2 Kaye Road, Upwey 3158
Phone +61431492912
Email - support@integratelending.com.au
AFCA
You may also direct privacy complaints related to financial advice to the Australian Financial Complaints Authority (AFCA). The contact details for AFCA are:
Mail GPO Box 3, Melbourne VIC 3001
Phone 1800 931 678 (free of charge)
Email info@afca.gov.org.au
Website www.afca.org.au