document describes how we Vault Mortgage Corporation Pty
Ltd ABN 17 120 182 765 manage personal information.
The National Privacy Principles
From 21 December 2001, most private sector organisations
in Australia must, by law, comply with the National
Privacy Principles ("NPPs"). We are bound by and will
comply with the NPPs from that date.
Collecting personal information about you
The kinds of personal information we hold We only
collect personal information that is necessary for
us to perform our functions and activities which consist
of the origination and administration of loans and
related activities. The kinds of personal information
we collect and hold will depend upon your dealings
with us and the circumstances in which it was collected,
but may include:
information you provide to us when you apply
for a loan or when you offer to guarantee a loan.
This information will include your name, address
and contact details, and, if applicable, identification
information relevant to applications requiring compliance
with the Financial Transactions Reports Act.
financial information about you such as your financial
position and details of your salary or wage, and
information obtained from credit checks carried
out during the loan approval process (but only if
you have authorised such checks to be carried out).
information about the progress of any loan provided
to you, or which you have guaranteed, including
your communications with us.
||Using and disclosing your
The purposes for which we collect and hold personal
information and how we use and disclose it.
We respect your privacy. Any personal information
which we collect about you will be used by us to assess
your application for a loan or offer to provide a
guarantee, and to facilitate provision and administration
of loans and related activities.
In order to do this, we may disclose your personal
professional advisers such as
solicitors, accountants and valuers;
government agencies such as those
which administer land titles and revenue or (where
applicable) foreign investments;
credit reporting agencies and
external auditors; and
other organisations which participate
in funding, providing and administering your loan
or the loan you have guaranteed, such as the trustee
of the fund from which the loan is sourced.
we may also use your personal
information to provide you with information about
other products and services offered or distributed
by us. To do that we may disclose your information
to our service providers (see below).
Contracting out services and disclosures
We also disclose personal information to organisations
to whom we outsource functions, such as mailing and
printing houses, IT providers or a mortgage servicer
which organisations assist us to service and administer
your loan or the loan you have guaranteed, or provide
you with information about products and services offered
or distributed by us.
Access to your personal information
In most cases, you can gain access to personal information
that we hold about you. We will handle requests for
access to your personal information in accordance
with the NPPs. Requests for access should be directed
to the Privacy Officer, whose contact details are
set out below.
||What to do if you would
like more information about how we manage your personal
information or wish to complain about a breach of your
If you would like more information about the way we
manage our personal information or are concerned that
we may have breached your privacy and wish to make a
complaint, please contact us by calling us on 1300 798
676 or by writing to us at the postal or email addresses
set out below.
Vault Mortgage Corporation Pty Ltd
Shop 130/85 Reynolds Street,
Balmain, NSW 2041.
From time to time it may be necessary for us to review
we choose including by email, by other electronic
communication, by sending you a revised copy or by
otherwise informing you that a revised copy of our