Disclaimer Statement
This page provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Your full financial needs and requirements need to be assessed prior to any offer or acceptance of a loan product.
©2023 TMP FINANCIAL SERVICES PTY LTD ABN 54 634 909 247. Credit Representative 479274 is authorised under Australian Credit Licence 389328
.........................................................................................................................................................................................
Privacy Policy
At TMP Financial Servfices, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.
1. What you need to know
- We will take reasonable steps to protect your information.
- We will comply with the notification requirements of the Privacy Act if we are aware of your information being lost or compromised.
- We will never sell your information to a third party.
- We use information we collect from you and from other sources to provide services to you and to improve how we operate and provide those services.
- If you have concerns or questions about how we use or handle your information, get in touch with us at [email protected].
2. What information do we collect and how do we use it?
- We will ask you for personal information when we assist you with your finance. Personal information may include any sensitive information (including health information) and may include any information you tell us about any vulnerability you may have. We use the information you provide to advise about and assist with your credit needs. We only provide your information to the companies with whom you choose to deal (and their representatives).
- We also use your information to send you requested product information and to enable us to manage your ongoing relationship with us e.g. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.
- We may occasionally notify you about promotions, new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post. If you would rather not receive this information, email or write to us.
- We may also use your information internally to help us improve our services and help resolve any problems.
3. What if you don’t provide some information to us?
- If you don’t provide us with full information, we can’t properly advise or assist you with your credit needs.
4. How do we hold and protect your information?
- We strive to maintain the reliability, accuracy, completeness, and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements
4.1 We hold the information we collect from you
- We have a plan that is designed to enable us to contain, assess and respond to suspected data breaches in a timely fashion, and to help mitigate potential harm to affected individuals.
- Much of the information we hold about you will be stored electronically (such as electronic documents). Some information we hold about you will be stored on paper files until such time that it is uploaded to our systems and securely destroyed.
- Our cybersecurity program and governance are aligned to industry standards, and we strive to meet or exceed standard security benchmarks. However, security incidents and data breach events can occur. If you have reason to believe that your interaction with us has been compromised, please contact us immediately using the details provided in How to contact us below.
- We will keep your personal information while you are a customer of the Group. We generally keep your personal information for up to 7 years after you stop being a customer, but we may keep your personal information for longer:
to fulfil legal or regulatory obligations;
for internal research and analytics; or
to respond to a question or complaint.
- If we receive information about you that we did not request or need, and if we decide we did not collect the information in accordance with this Statement and applicable Privacy Laws, we will take reasonable steps to destroy or de-identify the information.
- When we no longer require your information, and we are legally permitted to, we will take reasonable steps to destroy or de-identify the information. If it is impossible or impractical to completely remove the information, the same security safeguards will be in place to protect the information, as detailed in this Statement.
4.2 We ensure that your information is safe by
- confidentiality requirements of our team members and brokers;
- document storage security policies;
- security measures for access to our systems;
- only giving access to personal information to authorised or verified people;
- control of access to our premises; and
- oversight from our Cybersecurity team and security engineers to ensure that security controls are in place and effective.
5. Will we disclose the information we collect to anyone?
- We do not sell, trade, or rent your personal information to others.
- We may need to provide your information to our credit licensee e.g. for administration and supervision activities, contractors who supply services to us e.g. to handle mailings on our behalf, or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.
- We may also provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.
6. How can you check, update or change the information we are holding?
- Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.
- If you wish to access or correct your personal information please write to [email protected].
- We do not charge for receiving a request for access to personal information or for complying with a correction request.
7. Your consent
- By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided to us for the purposes described above.
8. Tell us what you think
- We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact: [email protected]
9. Complaints
- Internal Dispute Resolution : If you do have a complaint, please let us know by email, because if we don’t know about it we can’t fix it. You may also contact us by email addressed to; The Complaints Officer at [email protected] please make sure you include as much information as you can.
- You should explain the details of your complaint as clearly as you can. Ideally, this should be in writing, however you can lodge your complaint via telephone, in person or online. When we receive a complaint, we will attempt to resolve it promptly.
.........................................................................................................................................................................................
Compliments and Concerns
We always work hard to build strong and lasting relationships with our valued customers. By listening to your feedback, not only can we address any immediate concerns you may have, we will also continually improve our products and services.We know there are times when you may wish to compliment us on something we have done well and other times when you may wish to tell us we have not met your expectations.
1. Compliments
Our representatives are always delighted to know that they have succeeded in making your experience a pleasant and successful one. If one of our representatives has provided you with exceptional service in any way, please let us know using the details below, so that we can further encourage them via this feedback process.
2. Concerns
If, for any reason, you do not feel that you have received the highest standard of care from us, we likewise encourage you to share this with us. We have developed a process that we believe makes it easy for you to tell us of your concerns and for them to be addressed quickly and fairly. If you choose to contact us by mail or email, please make sure you provide as much detail as possible about your complaint.
3. Need an update on your complaint
If you have lodged a complaint with us, you can contact us at any time to ask for an update on its status. Contact us through any of the methods listed above and please be sure to refer to your earlier communication so that we can respond effectively.
4. Resolution
We will write to you to acknowledge your complaint within 24 hours to ensure we treat you fairly and will work to resolve your complaint as soon as possible. In the rare event, we are still investigating your complaint after 30 days we will write to you to explain why and to let you know when we expect to have completed our investigation. In the event, you are not satisfied with our response, you can lodge your complaint with AFCA. When we have completed our investigation, we will write to let you know the outcome and the reasons for our decision.
5. Taking it further
We hope that you will be satisfied with how we deal with your complaint. However, if your concerns remain unresolved, or you have not heard from us within 30 days, then you can have your complaint heard by an independent party, the Australian Financial Complaints Authority:
Online: www.afca.org.au
Email: [email protected]
Phone: 1800 931 678 (free call)
Mail: Australian Financial Complaints Authority
GPO Box 3, Melbourne VIC 3001
Time limits may apply to complain to AFCA and so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.
