Disclaimer - Complaints officer - Privacy

Disclaimer
Integrity-Innovative Loan Solutions (ACN 101 323 040) has carefully selected and provided the information found in this website, but does not take any responsibility for its accuracy or relevance to individual purposes. The information provided throughout this website is general, and as a result, no person should rely upon this information or use it to make decisions without first seeking professional advice specific to the individual. Integrity-Innovative Loan Solutions, its subsidiaries, employees, owners and associates accept no responsibility for any loss or liability acquired either as a result of reliance on any information provided by this website or as a liability for negligence. No warranty is given that the information contained in this website is free from viruses or corruption, or that access to the site will not be interrupted without notice at any time. Integrity-Innovative Loan Solutions provides links to other websites for your convenience, but is not connected to these websites in any way. Integrity-Innovative Loan Solutions does not take any responsibility for the accuracy or relevance of the information or services provided by these websites.


Complaints
If you have any complaints, please contact the complaints officer of Integrity-Innovative Loan Solutions, Lisa Davies by phone: 0417 303 341.


Privacy
At Integrity-Innovative Loan Solutions we understand that privacy is important, and as such, our Privacy Policy is in accordance with the National Privacy Principles (NPP). It applies to all services offered on our website. We recommend that all individuals read the Privacy Policy before using the website. Use of the website is conditional to you agreeing to this Privacy Policy.

1. Collection of personal information
At Integrity-Innovative Loan Solutions, we only collect personal information which is necessary for us to use so we can provide you with the services, functions and activities requested by you. We only collect information from you about yourself, which is done by fair and unobtrusive means. We will not disclose personal information to any other parties without first having permission from you unless exceptional circumstances occur (see statement 2.) If at any time you wish to gain access to your personal information stored by Integrity-Innovative Loan Solutions please contact us.

2. Use and disclosure of personal information
At Integrity-Innovative Loan Solutions use of your personal information is for the primary purpose of collection through our online forms and contact. We will record your email address on a database if you subscribe to our newsletter, however this email address will be used for this purpose only unless we receive consent. You can unsubscribe at anytime by contacting us. By submitting one of our online forms you are giving your consent for Integrity-Innovative Loan Solutions to use your personal details. This may include using your personal details for contact.
This site does not ensure a secure transmission of personal details across the Internet. The user should be aware that there are risks associated with dispensing personal information through the Internet. Integrity-Innovative Loan Solutions does not take any responsibility for problems or circumstances that may occur as a result of intercepted personal information from our site. Integrity-Innovative Loan Solutions will not disclose your personal information to any other parties without consent, unless it is a requirement so we can provide the best service and information to you that we can. Some of these parties may include financial institutions, associated companies or external service providers. We may also need to disclose personal information if exceptional circumstances arise. These exceptional circumstances may include disclosure required by law or an enforcement body, or if information is required to help prevent a threat to an individual, public health or public safety.

3. Data Quality
At Integrity-Innovative Loan Solutions we understand how important privacy of personal information is. If you believe that the information held by Integrity-Innovative Loan Solutions about you may be inaccurate, or has changed, we ask that you inform us of the change so we can take all the reasonable steps available to update this information. Each time information is collected, it will not be reused unless you have subscribed to receive material from Integrity-Innovative Loan Solutions, or have requested a response.

4. Security
At Integrity-Innovative Loan Solutions we will take all the reasonable steps we can to protect your personal information from misuse, loss, unauthorised access, modification or disclosure. All personal information will be stored in a secure environment. Once personal information has been used by us for the required purposes, and is no longer required, we will destroy or permanently de-identify it. All employees of Integrity-Innovative Loan Solutions are required to respect the confidentiality of any personal information held.
This site does not ensure a secure transmission of personal details across the Internet so Integrity-Innovative Loan Solutions does not take any responsibility for problems or circumstances which may arise as a result of unauthorised access to personal information through the Internet.

5. Openness
Personal information at Integrity-Innovative Loan Solutions will be managed as follows:

  1. Information is entered onto our website by you and submitted.
  2. Information is received by us.
  3. Information is used to respond to your request.
  4. Once the request has been dealt with, and the information is no longer required, it is destroyed.
  5. If the information is required to be used frequently, it will be used and secured in accordance to this Privacy Policy.

Upon request, we can show you:

  1. What information about you we hold (if it hasn’t been destroyed.)
  2. What purpose we use(d) this information for.
  3. How the information was collected.
  4. Where and how the information is stored.
  5. If and who the information has been disclosed to.

6. Access and correction of personal information
Upon request you are entitled to see the information held about you by Integrity-Innovative Loan Solutions. You are also entitled to be given an opportunity to alter your information to ensure it is up-to-date, if you believe it to be inaccurate. You can request to have your personal information deleted, and all reasonable steps will be taken to accommodate this request unless the information is required for legal purposes. There may be circumstances in which access to personal information may be denied. An example of these circumstances may include if the request is vexatious, or if it may relate to or influence an existing or foreseeable legal proceeding.

7. Identifiers
In the circumstances that an identifier may be required (such as Tax File Number, Medicare Number etc.) these numbers will not be used for our own identification. All collected identifiers will be treated in accordance with the National Privacy Principles.

8. Collection of sensitive/personal information
If you are requested to divulge sensitive information, you must only enter and submit this information if you agree with the information disclosed in this Privacy Policy.

9. Links to other websites
On parts of the Integrity-Innovative Loan Solutions site, links to other websites are provided. These sites are not associated with Integrity-Innovative Loan Solutions in any way, and as such, Integrity-Innovative Loan Solutions is not responsible for the content and management of these websites. Disclosure of personal information on these websites is advised against until the terms and conditions of these sites are viewed.

10. Further problems or enquiries
If you have any further concerns or enquiries regarding this website or use and handling of personal information, please contact Integrity-Innovative Loan Solutions on (03) 6223 4322.

11. Changes to the Privacy Policy
At Integrity-Innovative Loan Solutions we constantly review our policies and as a result, they may need to be changed occasionally. Integrity-Innovative Loan Solutions reserves the right to change this Privacy Policy at any time without notice. Any amended Policy which is current at the time will apply between Integrity-Innovative Loan Solutions and the client whether or not the client is aware of the change to the policy. We will post any changes to the Privacy Policy as soon as reasonably possible onto our website. A hard copy of the Policy is available on request from Integrity-Innovative Loan Solutions if internet access is not available to you.

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