Your personal information is vital and will always be protected by Wealthy You. We undertake various initiatives to ensure we collect, store and handle your personal information in a manner that complies with the latest law and regulations.
|Credit Representative||Credit Representative Number: 456296|
|Our Contact Details||Level 2, 11 York Street, Sydney NSW 2000
Phone: 02 7900 3288
|Licensee||Finsure Finance and Insurance Pty Ltd ACN 068 153 926
Australian Credit Licence Number: 384704
|Broker Group||Finsure Finance and Insurance Pty Ltd ACN 068 153 926|
|External Dispute Resolution Scheme details||Australian Financial Complaints Authority
Telephone: 1800 931 678
In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
All our processes and systems adhere to the Privacy Act (1988). Below is the outline of our policy on managing your data.
The personal information collected is typically used for (but aren’t limited to):
- Contacting and communicating with you
- Getting a credit rating or report from a third party
- Evaluating your borrowing power
- Comparing home loans based on your needs and financial position
- Obtaining a pre-loan approval
- Obtaining a home loan
The cookies collected are for our website analytics to study the website traffic so that we can serve you better on site. We may use your personal information in our marketing campaigns to inform you of the latest offers and news.
As mortgage brokers, we may need to disclose your personal information as part of our work for you, such as obtaining a credit rating or getting a home loan. In certain cases, we may be required by law to disclose your personal data to various authorities. For example, we may be required under the Anti-Money Laundering and Counter-Terrorism Financing Act to disclose suspicious financial transactions. We may disclose your information to organisations such as:
- Banks and other lenders
- Credit rating companies
- Government and law enforcement agencies
- Mortgage insurers and other mortgage intermediaries
- Property valuers
Organisations which assist our jobs such as lead generators, printers, mailing houses, lawyers, debt collectors, auditors and accountants
Data Storage and Security
Your personal information will be safeguarded always. Our goal is to ensure your data is protected from any misuse, loss, interference, modification, unauthorised access and disclosure. We take reasonable care to make sure your data is up to date and accurate. Our website and database use encryption techniques to increase the privacy and security of your personal information. Nevertheless, by law, we are required to store certain personal information about you, even after you are no longer a Wealthy You customer. You will be informed when this happens. When your data is no longer required by law, it will be destroyed or de-identified.
You have a right to access your personal information, subject to exceptions allowed by law. Please contact us if you would like to do so. You may be required to put your request in writing for security reasons.
Current Interest Rate Offer: Terms and conditions, fees and charges, normal lending criteria apply. Bank of Queensland Discount Offer 3 year Fixed Standard OO P&I <80% interest rate is 2.99% p.a. (comparison rate 4.27% p.a.), correct as at 2nd July 2019. Offer ends 31st August 2019 or may be withdrawn at any time. Establishment fee of $300 applies. Rate Lock fee is charged at 0.15%. Other fees and charges may apply. Maximum LVR < 80%. Minimum loan amount of $300,000. Teachers Mutual Bank 3 year Fixed Rate Investment P&I interest rate is 3.55% p.a. (4.91% p.a. comparison rate), correct as at 2nd July 2019. Establishment fee of $600 applies. Rate Lock fee is charged at 0.15%. Other fees and charges may apply. Maximum LVR < 80%. Minimum loan amount of $25,000. Eligibility for this product is subject to lender qualification criteria and may not be suitable for all applicants. WARNING: The comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Credit Representative 456296 is authorized as a representative of Finsure Finance & Insurance Pty Ltd ACN 068 153 926 Australian Credit Licence 384704.
From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.
If you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on 02 7900 3288 or by writing to us at email@example.com. If 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.