Lifestyle Finance may change this policy from time to time by updating this page.
WHAT WE COLLECT
We may collect the following information (but not limited to):
Your name, date of birth, email address and contact information
Financial details, including assets and income
Tax status and residency
Nationality and/or citizenship status
Other information relevant to customer surveys and/or special offers
Identification, such as passport and/or other government issued identification
Personal and business relationships and any other information we are required to collect or seek pursuant to the law
The intended recipients of the Information are Lifestyle Finance, authorised lending providers, all staff and credit reference agencies and any other authorised agent of Lifestyle Finance. Lifestyle Finance will ensure that those companies will treat the Information with the same care as that provided by Lifestyle Finance and that they comply with the Privacy Act.
Failure to provide all required information, or the supply of incorrect Information, may result in your application being declined or Customer Due Diligence services being withdrawn.
You have rights of access to, and correction of, your Information and you may contact us at email@example.com to seek to access or correct that information.
HOW WE’LL TREAT YOUR PERSONAL INFORMATION
Lifestyle Finance will share information gathered as part of this application, with selected parties, for the purposes of obtaining finance for you, or for conducting Customer Due Diligence on behalf of real estate offices.
Lifestyle Finance and its lending providers or agents will use the information they collect about you to assess your application or verify your identity and/or for administrative and marketing purposes (if applicable). We/they may disclose to, and obtain from, credit reporting and government agencies, other credit providers and insurers, personal information about you for these purposes. We/they may disclose to, and obtain from, your employer or other parties named in your application, personal information for employment, income and identification verification purposes.
Lifestyle Finance and its lending providers will give your personal information to credit reporters who will hold it and disclose it to authorised users of their services. They may disclose to any credit provider named in a credit report relating to your information about your creditworthiness and credit history.
If a lending provider sourced by Lifestyle Finance provides finance to you, it may send all documentation relating to your loan agreement to Lifestyle Finance to enable Lifestyle Finance to facilitate loan fulfilment. It may also collect and monitor personal information about you for the administration and protection of such credit (including utilising any credit reporters’ monitoring services to receive updates if your information changes), and may disclose repayment history information, details relating to your account, and any payment default information to credit reporters which may hold the information and disclose it to authorised users of their services.
CUSTOMER DUE DILIGENCE (CDD) INFORMATION
If we are asked by a real estate agent to conduct CDD on you as a vendor, or purchaser of real estate, we are required by the AML/CFT legislation to collect and store, personal information. This could extend to your passport, or other forms of government identification, as well as a secondary form of identification.
We may also be asked to collect, and store, personal information relating to any trust or company you are involved in.
If this applies to you, and you do not supply the information, then the agent cannot sell your property.
This information is held by our law firm which has partnered with us, and they are bound by their duties of privacy fiduciary delegations and under the Lawyers and Conveyancers Act and their practice rules. You can be assured your personal information will be treated with the upmost care and will be secure in this way. This law firm has protected information security systems, which are consistently updated and monitored. They are obligated to keep your information for a minimum of five years, at which point it will be digitally destroyed.
You should be aware that there may be security risks relating to the electronic transmission of information and neither Lifestyle Finance nor its lending providers or authorised agents can guarantee confidentiality if you choose to receive or send any information or documents via email.
A cookie is a small data text file which asks permission to be placed in the browser you are using. Once you agree, the file is added and the cookie helps analyse web traffic or lets us know when you visit a particular page. The web application can tailor its operations to your needs, likes and dislikes, by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyse data about webpage traffic and improve our website and tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of this website.
LINKS TO OTHER WEBSITES
CONTROLLING YOUR PERSONAL INFORMATION
You may choose to restrict the collection or use of your personal information in the following ways:
Whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes.
If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at firstname.lastname@example.org
We will not sell, distribute, disclose or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties that we think you may find interesting if you tell us that you wish this to happen.
YOUR CHOICES AND OPTING OUT
Lifestyle Finance will contact you only if you elect to be contacted.
If you choose to receive email messages, Lifestyle Finance may periodically send you email messages describing updates, new features or promotional offers related to this web site. You can choose to stop receiving this email at any time. Simply follow the instructions included in your email or send a reply stating your request.
If you do not explicitly choose to receive informational emails, the only email messages you will receive from Lifestyle Finance will be in response to email inquiries that you send us.
At any time, you can “opt-out” of receiving direct mail and marketing material from Lifestyle Finance, such as product and service updates, by following the instructions included in your email or by sending a reply stating your request, and we will make the requested changes.
KEEPING YOUR INFORMATION SECURE
The security of your personal information is very important to us, and we are committed to protecting the information that we collect. We have security measures in place at our facilities to protect against the loss, misuse or alteration of information that Lifestyle Finance has collected from you at our web site. Unfortunately, no data transmission over the Internet or any wireless network can be guaranteed to be 100 percent secure. As a result, while we strive to protect your personal information, Lifestyle Finance cannot ensure or warrant the security of any information you transmit to us or from our online products or services, and you do so at your own risk.
ACCEPTANCE OF POLICY