McGrath Limited (ABN: 61 608 153 779) and its related bodies corporate (including but not limited to McGrath Oxygen Home Loans Pty Ltd (ACN 103 177 377) and Total Real Estate Training Pty Ltd (ACN 093 918 122)), franchisees, agents and brokers (McGrath, we, our, us) respect the importance of protecting your privacy. We comply with our obligations under the Privacy Act 1998 (Cth) (Privacy Act), including the Australian Privacy Principles (APPs) as well as the Privacy (Credit Reporting) Code 2014 (CR Code).
We collect, hold, use and disclose your personal information so that we can perform our functions and activities and provide best possible customer service. Our collection, use and disclosure of your personal information will depend on our relationship with you, the circumstances of collection and the type of products and service you request from us. We may collect, hold, use and disclose your personal information for the following purposes:
Personal information is any information about you, from which you can be identified. We may collect your name, address, postcode, email address, date of birth, gender, employment, telephone number, property details, payment details and proof of identity such as your driver licence or passport number. We may collect additional personal information from you from time to time.
Personal information we collect about you may also include credit-related personal information. Credit-related information is information used and disclosed to assess your creditworthiness, assess your application for finance and manage that finance. The types of credit-related personal information that we collect about you may include your credit liability information, repayment history information, the type and amount of finance you are applying for, court proceedings, insolvency actions and credit worthiness.
We generally do not collect sensitive information about you, unless you provide it to us voluntarily. For example, when you interact with one of our agents or brokers, you may provide sensitive information such as racial or ethnic origin, sexual orientation, health information, religious or philosophical beliefs or political opinion and membership or affiliation information. You consent to us collecting sensitive information which you provide to us voluntarily. If we need to collect any sensitive information for a specific purpose, we will ask for your consent.
If you are an employee or prospective employee, we may need to collect sensitive information about you and you consent to us collecting this information. For example, personnel records may include sensitive information such as place of birth, racial or ethnic origin, criminal record, tax file number, disabilities and relationship information. Recruitment records may include employment history and experience, referees and other employment related information.
If you are a shareholder or prospective investor, we (or our agent) will collect certain details about you for registration purposes, such as your name, address, number of shares held, tax file number and bank account details.
You don’t have to give us all the information we request. However, if you do not provide us with some or all of the personal information required, we may not be able to provide you with the products and services or information you request, to the requested standard or at all, and you may also miss out on receiving valuable information about us and our products and services.
Where we can, we will collect information directly from you. We collect personal information when you:
As well as collecting information directly from you, there may be occasions when we may collect information about you from other people or organisations. We may combine this information with information we already have about you to help us understand trends, attributes, behaviour and preferences. Where we receive information about you indirectly from service providers, we require that the service provider has collected and disclosed that information in accordance with the Privacy Act.
McGrath may collect information about you from:
McGrath may use and combine this information to maintain, secure and improve our websites, enhance your experience when using our websites, display and deliver relevant content, services and advertising and understand the effectiveness of our marketing and advertising (including direct marketing and online ads on external websites).
If you want to prevent cookies being used, you can change your browser settings to disable cookies. However, this might mean that your access to parts of our website is limited, or you may experience reduced functionality when accessing certain website functions.
McGrath may disclose your personal information and credit-related information within the McGrath group including to our officers, employees, agents, brokers and contractors.
We may disclose your personal information and credit-related information as part of our functions and activities, including:
McGrath collects information from various on-line platforms and services, such as Facebook and Google. Users of these platforms and services may elect to send information to McGrath from the platform. McGrath uses this information strictly in accordance with the terms imposed by that platform; this Policy; and the purposes for which the information was collected.
McGrath never sells or monetises your personal information.
Some of the service providers we disclose your personal information to may have servers located overseas in various countries, including USA, Europe, Japan and Philippines.
McGrath may, from time to time, send direct marketing communications to you about us and our products and services, our property listings and other material that we consider you would find interesting or useful. If you do not wish to receive such direct marketing communications, you can always opt out. If you are receiving email communications from us, there will be a mechanism to opt out contained in each of those emails. To stop receiving other communications from us, you can contact us via any of the channels listed below.
If you choose to opt out of all direct marketing communications, please note that McGrath may still contact you for other reasonable purposes, including information that McGrath is legally required to send, notifications of changes to McGrath products and services or policies and information regarding the use, rights, benefits or obligations of customers of our products and services.
McGrath holds your personal information both electronically, on our own servers and those of our service providers, and in hard copy at our secured offices.
McGrath takes the security of your personal information seriously and we implement a range of technical, administrative, personnel and physical measures to safeguard your personal information against loss, interference and unauthorised access, modification and disclosure, and misuse, including using electronic and physical access restrictions to files containing personal information and ensuring encryption of personal information sent and received.
It is important to us that the information we hold about you is up-to-date, accurate and complete, and we will try to confirm your details through our communications with you and promptly add updated or new personal information to existing records when we are advised. If any of your details change, please notify us as soon as you can. If you believe we are holding information about you that is inaccurate, incomplete, irrelevant or misleading, you can ask us to correct it, or delete it altogether.
If you would like to access your personal information, or ask us to update, correct or delete it, you can do so by contacting us in writing and verifying your identity. We will do our best to respond to your request within 30 days.
We will only refuse access in exceptional circumstances, and if this is the case, we will advise you of our reasons for doing so.
We may charge a fee for searching for, and providing access to, your information on a per request basis.
We take your complaints seriously and will attempt to resolve your issue quickly and fairly.
If you believe that McGrath has breached the APPs, or you have a complaint about how we handle your personal information:
|Telephone:||(02) 9386 3333|
|Fax:||(02) 9386 3344|
The Privacy Officer