PRIVACY

Constantia Finance Partners Pty Ltd ACN 605 334 790 (Constantia, We, Us, Our) is an independent finance brokerage acting on behalf of SME, corporate and retail clients and counterparties around Australia. Constantia is in the business of assisting our clients and partners to identify and purchase the most suitable loan package that meets their personal needs. In doing our job, Constantia is required to collect personal information about you and we are committed to protecting the privacy of your personal information.

Constantia Finance Partners Pty Ltd ACN 605 334 790 is bound by the Privacy Act 1988 (Cth) (Privacy Act) and the Australian Privacy Principles (APPs). Should you have

any queries about the privacy of your personal information or the below Privacy Policy, please contact our Privacy Officer by email (info@constantiafinance.com.au) or telephone (02) 8315-2040.

 

Privacy Policy

This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information.

This Privacy Policy explains how we manage your personal information. Under the Privacy Act, ‘personal information’ is generally any information or opinion that identifies you personally.

We may make changes to this Privacy Policy from time to time. If we do, we will post the updated version on our website or notify you in writing.

When you provide data and information to us, you are consenting to our collection, use, processing and disclosure of that information in accordance with the provisions of this privacy policy and you authorise us to handle and use your data and information as described in this privacy policy.

If you do not provide us with the information we request from you we will not be able to provide the services to you that you have sought from us.

 

Personal information

When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.

Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies. The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we made need to identify you.

If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses.

 

Collection

We collect information from you:
(a)    to enable us to provide services to you
(b)    to verify and authenticate your identity
(c)    to assess your application for finance and managing that finance
(d)    to manage, administer and control the quality of the services that we provide to you
(e)    to comply with our legal obligations.
(f)    to market directly to you and manage our relationship with you; and

to enable banks and financial institutions to market their products and services to you. Unfortunately, if we cannot collect your personal information we may be unable to complete or process your financing application

 

How do we collect your personal information?

Where reasonable and practical we will collect your personal information directly from you. There may be some occasions where we will need to source information about you from a third party. For example, we may collect personal information from (but not limited to) a credit reporting agency or a government agency.  You consent to this and authorise us to do so.

We take reasonable precautions to protect the personal information we hold from:
(a)     misuse, interference and loss; and
(b)     unauthorised access, modification or disclosure.

We may use third party data storage providers to store personal information electronically. We take reasonable steps to ensure this information is held as securely as information stored on our own equipment.

 

Do we disclose your personal information?

To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us. We may also disclose your personal information to any other organisation that may have or is considering having an interest in your finance, or in our business. The disclosure of your information to third parties is core to our function and activities. We may also disclose your personal information to those of our affiliates and related companies that agree to treat it substantially in accordance with this privacy policy.

Examples of types of third parties we may disclose your personal information to include:

         (a)     Service providers
We disclose personal information to external service providers that assist us to:

(i)    provide, manage and administer products and services and business systems (including IT technicians); prospective funders or other intermediaries in relation to your finance requirements; other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres – you acknowledge that due to our use of cloud computing services and software as a service that your data may be transferred outside of Australia but within the control of our third party providers.;
(ii)    securely manage processing of credit card payments and storage of credit card details; and
(iii)   analyse trends and aggregated demographic information, and target your interests.

(b)    Regulators
We may disclose your personal information to:
(i)   regulators and law enforcement agencies; or
(ii)  respond to an enquiry from a government agency under State or Federal laws; or
(iii)  where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism Financing Act 2006 (Cth);

         (c )     Marketing
We may also use and disclose your personal information to:
(i)    let you know about our new products and services or other opportunities;
(ii)   send you product and service information on behalf of third parties;
(iii)  enable banks and financial institutions to market their products and services to you.

Each time we send you a marketing communication, you will have the option of opting-out from future marketing communications.

Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
•    the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
•    you have consented to us making the disclosure.

 

Marketing directly to you

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) 8315 2040 or
    •  by writing to us at info@constantiafinance.com.au or
    •  post to Suite 2, Level 11, 122 Arthur St North Sydney NSW 2060.

If the 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.

 

Updating your personal information

We will take reasonable steps to ensure the personal information we hold about you is accurate, up-to-date and complete. Please let us know if there’s a change to any of the details you have provided to us.

You have a right to ask for access to the personal information we hold about you. You are also entitled to ask us to correct that information. Please contact our Privacy Officer with any access or correction request.

 

Access and correction to your personal information

We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time.

Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.

There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings. An explanation will be provided to you if we deny you access to the personal information we hold about you.

If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information. At the time of the request, otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.

We may need to consult with other entities as part of our investigation.

If we refuse to correct personal information we will provide you with our reasons for not correcting the information.

 

Sensitive information

We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
How safe and secure is your personal information that we hold?

We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.

 

Making a  complaint

Please contact us our Privacy Officer with any concerns about how we handle your personal information:
info@constantiafinancepartners.com.au
Telephone: (02) 8315-2040

We will do our best to address your concerns, but if you still wish to lodge a formal complaint, please send details to the Privacy Officer in writing. We will normally respond in 30 days, confirming the next steps in the process.

If your complaint is not resolved by our Privacy Officer you can refer it to the Office of the Australian Information Commissioner.

Office of the Australian Information Commissioner
GPO Box 2999
Canberra ACT 2601, Australia
Phone: 1300 363 992
Fax: 02 9284 9666
www.oaic.gov.au

 

How long do we keep your information for?

If we:
•    no longer need to use or disclose your personal information for any purpose authorised by the APPs; and
•    are not legally required to retain that information,
then we will take reasonable steps to destroy the personal information or have it de-identified.

 

Further information

You may request further information about the way we manage your personal information by contacting us.

T&C’s

This website is operated by Constantia Finance Partners Pty Ltd ACN 605 334 790 Australian Credit Licence number 485034 and its Related Body Corporate (“We”, “Us” and “Our””) under the domain name www.constantiafinance.com.au (“Site”). The following terms and conditions (“Terms of Use”) apply to the entire Site and any subsequent versions of the Site.

Your access or use of the Site indicates that you agree to abide by, and be bound by, these Terms of Use, Our Privacy Policy and any other related policies, notices, representations or additional terms and conditions applicable to the Site. If you do not accept these Terms of Use, please leave the Site and discontinue use of Our services immediately.

Changes to these Terms of Use

We may change these Terms of Use and make changes to the content and layout of the Site, at any time. Any modifications will be effective immediately, without any prior notice to you.

General Information

The material and information on our Site are provided to give you general guidance in home financing (including buying, selling and owning), personal loan, credit card and insurance processes. The information has been prepared without taking into consideration your objectives, financial status or needs.

Contact Us Form

We provide a useful and simple method for customers to the website to contact Us. By using this service you understand and agree that:

  • For a response to be provided, contact information must be provided.
  • We will respond within 5 working days.
  • The collection and use of your information will be governed by Our Privacy Policy.

Limitation of Liability

We and Our agents assume no responsibility for any consequence relating directly or indirectly to any action or inaction that you take based on the information, services or other material on Our Site. Whilst We work hard to ensure the highest quality data and to keep the information on Our Site accurate, complete and up to date, We cannot guarantee, and will not be responsible for any damage or loss related to the accuracy, completeness or timeliness of the information.

To the maximum extent permitted by law and notwithstanding any other provision of these Terms of Use, We will not be liable in any way to you or anyone else for any loss, expense, liability, claim, damages (including without limitation, indirect, special or consequential loss or damage), loss of income, data, contract, tort, profit, or loss of opportunity, arising out of your use or inability to use, or access, the Site or any of the services or in relation to any content or information obtained through the Site, whether or not this is caused by a negligent act or omission.

Intellectual Property

All material featured on the Site, including any content, email communications, underlying source code and software, is owned, or used under license, by Us, and is protected by copyright, patent, trade mark and any other intellectual property laws. You agree that information featured on the Site is for personal use only and may not be sold, redistributed or used for any commercial purpose.

You agree not to transfer, obtain or mine any data from the Site.

By posting, submitting ratings or content you grant Us a royalty-free, perpetual right to use, reproduce, modify, publish, distribute, create derivative works from, communicate to the public, or use for any purpose your rating in any form or media. You waive any moral rights that you may have in that content.

Governing Law

These Terms of Use and all aspects of the Site are governed by the laws of the State of New South Wales in Australia. Disputes arising in connection with the Site or these Terms of Use will be subject to the non-exclusive jurisdiction of the courts of New South Wales in Australia.

 

CREDIT GUIDE

Licensee Credit Guide

This document provides information about the services we provide.

We are licensed to arrange loans and leases under the National Consumer Credit Protection Act 2009 (NCCP Act).  The NCCP Act regulates the activity of lending, leasing, and finance broking.

Licensee details

Credit Licensee Constantia Finance Partners Pty Ltd
Australian Company Number 32 605 334 790
Australian Credit Licence Number 485034
Address Suite 2, Level 11/122 Arthur Street,
North  Sydney, New South Wales 2060
Phone 02 8315 2040
Email info@constantiafinance.com.au

 Services we provide

As your mortgage brokers, we will act as your lending experts; making sure you understand the loan repayments, loan features, fees and charges of your home loan.

Saving you time and money, we can search hundreds of loan products from a panel bank and non-bank lenders, comparing fees, charges and loan features to best suit your lifestyle.

If you need it, we can also help you with your car finance, business finance or insurance needs

Our panel lenders

We source finance from a panel of financiers. These lenders are listed below:

  • Adelaide Bank
  • Australian First Mortgage
  • Australian First Mortgage Leasing
  • Allianz
  • AMP Limited
  • ANZ
  • ANZ Commercial
  • Bank West
  • BankWest Commercial
  • Citibank
  • Commonwealth Bank
  • Commonwealth Bank Commercial
  • FirstMac
  • GE Money Personal Loans
  • Homeloans Ltd
  • nabbroker
  • IMB Commercial
  • ING Commercial
  • ING
  • LaTrobe Financial
  • Macquarie Bank Mortgage Solutions
  • ME Bank
  • National Australia Bank
  • National Australia Bank Commercial
  • Pepper Money
  • P&N Bank
  • Resimac Financial Services
  • St George
  • Bank SA
  • Suncorp Bank
  • Westpac
  • Westpac Commercial
  • Westpac Equipment Finance
  • Bank of Queensland
  • Bank of Melbourne
  • Vow Home Loans (Powered by Macquarie)
  • YBR Group Lending

 We will need information from you

Under the NCCP Act, we are obliged to ensure that any loan or principal increase to a loan we help you to obtain, or any lease we help you to enter, is not unsuitable for you.  To decide this, we may need to ask you some questions in order to assess whether the loan or lease is not unsuitable.  The law requires us to:

  • make reasonable inquiries about your requirements and objectives;
  • make reasonable inquiries about your financial position;
  • take reasonable steps to verify that financial situation

Credit will be unsuitable if at the time of the assessment, it is likely that:

  • you could not pay or could only pay with substantial hardship
  • the credit will not meet your requirements and objectives

For example, if you can only repay by selling your principal place of residence, it is presumed that the loan will cause substantial hardship unless the contrary is proved. For this reason we must ask you to provide a significant amount of information. It is therefore very important that the information you provide us is accurate.

We must provide you with a copy of our preliminary credit assessment of your application if you ask within seven years of when we assist you.  We are only required to give you a copy of the credit assessment if we give you credit assistance.

If we arrange a loan for you to purchase or refinance real estate, remember you must make your own enquiries about the value of the real estate and its potential for future growth.  Although we may obtain a valuation, that is for our own use and you should not rely on it.

Fees payable by you

We do not charge you for the credit services because we receive commission from the financier or our mortgage aggregator.  However, you may need to pay the financier’s application fee, valuation fees, and other fees.

Commissions received by us

We may receive commissions from the lenders and lessors who provide finance for you as our customers.  These are not fees payable by you.  You may obtain from us information about a reasonable estimate of those commissions and how the commissions are worked out.

 Commissions payable by us

We source referrals from a broad range of sources. For example, we may pay fees to real estate agents, accountants, financial planners or lawyers for referring you to us. These referral fees are generally small amounts and accord with usual business practice. These are not fees payable by you. You may, on request, obtain a reasonable estimate of those commissions and how the commission is worked out.

Our internal dispute resolution scheme

We believe that it is essential for our customers to be able to identify and deal with a broker who has the ability, authority and proper training to hear and respond appropriately to any complaints or disputes.  We are committed to the effective handling of complaints and timely resolution of disputes.

 Receiving complaints and the complaint process

If you have a complaint or a dispute, you have the option of either contacting us or lodging the complaint directly with our External Dispute Resolutions Scheme indicated below.

You should explain the details of your complaint as clearly as you can.  You may do this verbally or in writing.

When we receive a complaint, we will attempt to resolve it promptly.  We hope that in this way we will stop any unnecessary and inappropriate escalation of minor complaints.

We will observe the following principles in handling your complaint:

  • there is no requirement for face-to-face contact between you and us, although it may be useful for us to come to a satisfactory resolution;
  • we expect that both parties will make a genuine attempt to resolve a complaint promptly;
  • we expect that both parties will provide all essential and relevant information, documents, written statements and any other materials that may properly and reasonably be believed to assist in resolving the complaint;
  • we expect that both parties will comply with all reasonable requests from the other party to provide information within a reasonable time frame.

 Timeframes for response

If your request cannot be resolved immediately, we will respond to your request within two (2) business days of receipt of the complaint. We will keep you informed of the progress of the investigation.

 Our external dispute resolution scheme

If we do not reach agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme.  Our external dispute resolution provider is CIO (Credit and Investments Ombudsman).

Free call:                     1800 138 422

Phone:                          02 9273 8400

Fax:                               02 9273 8440

Email:                           info@cio.org.au

Website:                      http://www.cio.org.au

Mail:                             Case Management Team

                                        C-/Credit and Investments Ombudsman

                                        PO Box A252

                                        Sydney South NSW 1235

External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints.

More information

If you have any questions about this credit guide or anything else about our services, just ask at any time.  We’re here to help you