Welcome to the Hall Mortgage Consultants

Privacy Policy Collection Notice and Tax File Number Collection  

This Privacy Policy covers Kidz Kabz South Australia Pty Ltd trading as Hall Mortgage Consultants, as trustee for J & T Hall Family Trust [ABN 19 670 106 954] - via Australian Credit Licence 385590.  (us, we or our).

We understand that the privacy of your personal information is important to you. This Privacy Policy explains how we handle your personal, credit and tax file number information (collectively referred to as “personal information” throughout this Privacy Policy).

By providing your personal information to us you consent to us, collecting, using and disclosing your personal information in accordance with this Privacy Policy. We then are required to disclosure your personal information and identification to lenders or other parties processing information or for compliance purposes, on your behalf and our behalf, information may be shared overseas.

We may change this Privacy Policy from time to time by publishing changes to it on our website. Please check our website regularly to ensure that you are aware of any changes to this Privacy Policy.

 What is personal information?

Personal information is information or an opinion about an individual that is reasonably identifiable. For example, this may include your name, email address and contact details.

Credit information is personal information that is collected in connection with a credit application. For example, this may include identification information, default information or repayment history information.

 What personal information do we collect?

The information we may collect from you and hold includes:

• name, residential or postal address, email address, date of birth, telephone numbers (including mobile and fax);

• information about dependents or family members;

• details of your interactions with us;

• internet protocol address;

• location information;

• bank account details or credit or debit card details;

• Medicare number, pension card number;

• accounting and financial information;

• occupation, employment history and details;

• family commitments and social security eligibility;

• financial needs and objectives;

• assets and liabilities (current and future), income, expenses;

• superannuation and insurance details;

• risk profile details;

• health information; and

• any other relevant information that you give to us for the purpose of providing you with our products or services.

 We may collect these types of information either directly from you or from third parties. We may collect information when you:

• submit electronic or hard copy forms with us;

• participate in a phone call with us; and

• email or otherwise correspond with us.

We may collect information about you from others such as:

• related entities;

• your advisers;

• banks, financial institutions and other financial product providers.

 Why do we collect, use and disclose personal information?

We may collect, hold, use and disclose your personal and credit information for the following purposes:

• to provide our products and services;

• to identify and control or minimise risks to our services;

• to enable us to monitor suspicious or fraudulent activity in relation to our services;

• to enforce compliance with our terms;

• where we believe it is necessary to protect our legal rights, interests and the interests of others, including in connection with legal claims, compliance, regulatory and audit functions, prevention of fraud, ensuring data security;

• to comply with our legal obligations, resolve any disputes that we may have with any of our customers, and enforce our agreements with third parties; and

If you do not provide us with the personal or credit information we request, we may not be able to provide you with the services or products you have requested.

Do we use your personal information for direct marketing?

We will not use your personal information for direct marketing purposes.

 To whom do we disclose your personal information?

We may disclose personal and credit information for the purposes described in this Privacy Policy to:

• related entities;

• third party suppliers and service providers in connection with providing our products and services;

• banks or other financial institutions;

• specific third parties authorised by you to receive information held by us;

• information maybe shared overseas via related entities or our compliancy third parties but we take reasonable steps to ensure that the overseas recipients of your personal information, do not breach the privacy obligations, relating to your personal information.

• Further, we will only transfer personal information, we have collected about you overseas, if permitted to do so, under the Australian Privacy Principles.

 • Your personal information may also be stored in the cloud in an overseas country. As electronic or networked storage can be accessed from various countries, via an internet connection, it is not always practicable, to know in which country your information may be held. In the event that a disclosure is made in an overseas country, while they will often be subject to confidentiality or privacy obligations, they will not always follow the particular requirements of Australian privacy laws.

Tax File Collection:

We are authorised to request and collect your tax file number information under the Tax Agent Services Act 2009, Taxation Administration Act 1953, Superannuation Industry (Supervision) Act 1993 and Income Tax Assessment Act 1936. We request and collect this information to enable us to act on your behalf when applying to lenders for credit. It is not an offence for you to decline to provide your tax file number information. However, if you do not provide this information, we may not be able to provide you with all services that may be recommended. You give permission for your tax file number to be stored in a secure format or redacted by us in accordance with legislative requirements. 

Using our website and cookies

We may collect personal information about you when you use and access our website. While we do not use browsing information to identify you personally, we may record certain information about your use of our website, such as which pages you visit, the time and date of your visit and the internet protocol address assigned to your computer.

We may also use 'cookies' or other similar tracking technologies on our website that help us track your website usage and remember your preferences. Cookies are small files that store information on your computer, TV, mobile phone or other device. They enable the entity that put the cookie on your device to recognise you across different websites, services, devices and/or browsing sessions. You can disable cookies through your internet browser but our websites may not work as intended for you if you do so.

 How do we keep your information safe?

We may hold your personal and credit information in either electronic or hard copy form. The security of your personal information is important to us and we take reasonable steps, to protect your information from misuse, interference and loss, as well as unauthorised access, modification or disclosure and we use a number of physical, administrative, personnel and technical measures to protect your personal information. 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. For example we:

• train our staff about how to keep your information safe and secure;

• have firewalls, intrusion detection and virus scanning tools to stop viruses and unauthorised access to our systems;

• have building security measures in place;

• destroy and de-identify data when it is no longer required.

However, we cannot guarantee the security of your information.

 Links

Our website may contain links to websites operated by third parties. Those links are provided for convenience and may not remain current or be maintained. Unless expressly stated otherwise, we are not responsible for the privacy practices of, or any content on, those linked websites, and have no control over or rights in those linked websites. The privacy policies that apply to those other websites may differ substantially from our Privacy Policy, so we encourage individuals to read them before using those websites.

 Accessing or correcting your information

You can access the personal and credit information, we hold about you by contacting us using the information below. Sometimes, we may not be able to provide you with access to all of your information and, where this is the case, we will tell you why. We may also need to verify your identity when you request your information.

If you think that any information, we hold about you is inaccurate, please contact us and we will take reasonable steps to ensure that it is corrected. It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your personal information has changed. 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.

 Making a complaint

If you think we have breached the Privacy Act, or Tax File Number requirements, you wish to make a complaint about the way we have handled your personal or credit information, you can contact us using the details, set out below. Please include your name, email address and/or telephone number and clearly describe your complaint. We will acknowledge your complaint and respond to you regarding your complaint within a reasonable period of time. If you think that we have failed to resolve the complaint satisfactorily, we will provide you with information about the further steps you can take.

If you are not satisfied with how we have dealt with your complaint you can contact the Office of the Australian Information Commissioner using any of the following details:

GPO Box 5218

Sydney NSW 2001

Phone: 1300 363 992

www.oaic.gov.au 

 Contact Us

For further information about our Privacy Policy or practices, or to access or correct your information, or make a complaint, please contact us using the details set out below:

Privacy Officer

Trevor Hall

0419 857 517

info@hallmortgage.com.au

19 Woods Street, Norwood, South Australia, 5067

Credit Guide

ABOUT US (“we, us, our”):

Licensee

Kidz Kabz South Australia Pty Ltd trading as Hall Mortgage Consultants, as trustee for J & T Hall Family Trust [ABN 19 670 106 954]

(“licensee”)Australian Credit Licence Number: 385590

Address: 19 Woods Street Norwood SA 5067

Tel: 0419 857 517

ABN : 19 670 106 954

Broker Group

Finance & Systems Technology Pty Ltd (FAST) - FAST is part of the Loan Market Group ABN 83 105 221 967 (“broker group”)

ACN 092 660 912 - ABN 86 092 660 912

Credit Representative Number: 392527

This document provides you with information relating to our activities and various fees and charges that may be payable by you to us, as well as about certain commissions we may receive from a licensee, or we pay to certain third parties. It also contains information about what you should do if you have a complaint or dispute in connection with our services as a credit representative.

WHAT IS CREDIT ASSISTANCE?

We give you credit assistance when:

§ we assist you to apply for a particular loan or lease;

§ we suggest you apply for a particular loan or lease (or suggest you apply for an increase to an existing loan); or

§ we suggest you remain in your current loan or lease.

THE ASSESSMENT WE NEED TO DO BEFORE GIVING YOU CREDIT ASSISTANCE

Before we provide credit assistance to you, we assess whether the particular loan or lease is suitable for you. To do this, we need to make reasonable inquiries and verify that:

§ the loan or lease or increase will meet your requirements and objectives; and

§ you can meet the proposed repayments.

We won’t be able to give you credit assistance if our assessment shows that:

• you won’t be able to meet the proposed repayments without substantial hardship; or

• the loan or lease won’t meet your requirements or objectives.

GETTING A COPY OF OUR ASSESSMENT

If we provide you with credit assistance, you can ask us for a copy of our assessment any time up to 7 years after we provide you with a credit assistance quote. To request a copy please contact us. We will provide you with a copy:

• within 7 business days after the day we receive your request – provided you make the request within 2 years of the date of our credit assistance quote; or

• otherwise, within 21 business days after the day we receive your request.

INFORMATION ABOUT HALL MORTGAGE CONSULTANTS

Subject to meeting credit criteria, we are able to assist you to obtain loans and leases for you from a broad range of lenders and lessors through our broker group.

The following are the lenders or lessors with whom we generally conduct the most business:

· ANZ, Bank SA, Commonwealth Bank, NAB, Resimac, Westpac, ….

FEES AND CHARGES

FEES PAYABLE FOR THE PROVISION OF CREDIT ASSISTANCE

We don’t charge a fee for providing credit assistance directly to the customer for Home Loans. More detail about those fees will be set out in a quote we will give to you before we provide you with credit assistance.

OTHER FEES AND CHARGES

You may have to pay other fees and charges (such as an application fees, valuation fees and other fees) to the lender, lessor or other parties. You should review the disclosure documents and your loan contract or lease for further details of any such fees and charges.

 OWNERSHIP

We receive services from Finance and Systems Technology Pty Ltd (FAST).

FAST is a member of Loan Market Group.

The services may include IT systems, training and development, conferences, commissions processing and assisting with regulatory and compliance requirements.

FAST receives a fee to provide these services and can retain some of the commission were paid from the lender panel on the loans we arrange.

Hall Mortgage Consultants is owned and managed independently from FAST and the Loan Market group.

Trevor Hall is the sole director of Hall Mortgage Consultants and majority shareholder via his family trust.

 COMMISSIONS

COMMISSIONS WE RECEIVE FROM OUR LICENSEE

Our licensee has appointed our broker group as its agent to receive commissions from lenders and lessors and to pay us commission in relation to loan contracts or leases for which we and provide credit assistance. The total amount of commission we may receive in relation to your loan or lease may vary depending on the lender or lessor, the term, the features, the amount of the loan or lease you ultimately choose and the amount and timing of the repayments that you make.

 Loan Contracts such as Home Loans, Investment Loans, Equipment / Car Leases and Personal Loans

Upfront commission payable by lenders in relation to loans is calculated as a percentage of the loan amount and is generally in the range of 04% and 0.7% of the loan amount. It is usually paid after settlement of the loan.

Trail commission payable by lenders in relation to loans is generally calculated regularly (monthly, quarterly, bi-monthly or annually) on the outstanding loan balance and is paid in arrears. The trail commission payable by lenders is generally in the range of 0.15% per annum and 0.25% per annum of the outstanding loan amount.

 Leases

Upfront commission payable by lessors in relation to leases is calculated as a percentage of the lease amount. It is usually paid after settlement of the lease. Trail commission is generally not payable in relation to leases.

Further details of the commission earned by us will be included in the credit proposal disclosure document, we will provide to you at the same time, as we provide you with credit assistance.

You can request information from us about the fees that we are likely to receive, how those fees are calculated, and our reasonable estimate of the fees or commissions that will be payable.

VOLUME BONUS ARRANGEMENTS

FAST broker group which is part of the Loan Market group has volume bonus arrangements in place with the Commonwealth Bank of Australia, the Westpac Banking Corporation and the Australia and New Zealand Bank Group Limited. From time to time, we or our broker group may receive a benefit, directly by way of cash bonus or additional commissions or indirectly by way of training, professional development days or sponsorship, if we or our broker group write a particular volume of loans offered by those lenders.

COMMISSIONS PAYABLE BY US

We are not likely to pay a commission to any third party for the introduction of credit business or business financed by the loan contract or lease. If a third party has introduced you to us or referred you to us, we may pay them a commission or a fee and will disclose this to you the customer.

We obtain referrals from a range of sources, including real estate agents, accountants, financial planners or other people.

Further information about referral commissions, including our reasonable estimate of the amount of any commission payable and how it is calculated is available from us on request and will be included in the credit proposal disclosure we will supply to you when we provide you with our credit assistance.

 DISPUTES OR COMPLAINTS

WHAT TO DO IF YOU HAVE A DISPUTE OR COMPLAINT?

We are committed to providing our customers with the best possible service. If at any time we have not met our obligations – or you have a complaint about any of our services – please inform us so we can work towards a resolution. We will endeavour to deal with your complaint promptly, thoroughly and fairly.

HOW TO MAKE A COMPLAINT AND THE COMPLAINTS PROCESS?

If you have a complaint, we request you follow these steps:

1. E Mail info@hallmortgage.com.au  or phone 0419 857 517.

THIRD PARTY PRODUCTS OR SERVICES

If your complaint relates to a product or service acquired through a third party (for example, a lender) we may ask you to contract the relevant third party. They will deal with your complaint under their complaints resolution process.

If you are not satisfied with the resolution of your complaint by the third party under their complaint’s resolution process, you are entitled to have your dispute considered by their External Dispute Resolution Scheme. Please contact the third party for further details.

KEEPING YOU INFORMED

  TIMELINESS

 We will provide a written acknowledgement of receipt of your complaint within 2 business days, unless the complaint is otherwise resolved in the meantime.

We will ensure that a substantive response is given to your complaint as soon as possible, but within forty five (45) days of receipt of your complaint.

If we cannot respond to your complaint within forty five (45) days, we will inform you of the reasons for the delay and of your right to refer the complaint to the Australian Financial Complaints Authority Limited.

We will have substantially responded to your complaint if we:

(a)Accept the complaint and, if appropriate, offer redress, or

(b)Offer redress without accepting the complaint; or

(c)Reject the complaint.

WRITTEN RESPONSE TO A CUSTOMER

We will give you a written response to your complaint and the reasons for reaching a particular decision on the complaint and will adequately address the issues that are raised in your complaint.

Where practicable, our response will refer to applicable provisions in legislation, Codes, Standards or Procedures.

 REMEDIES

 If we accept your complaint and are of the view that it is appropriate to offer redress to you, that redress may be non-financial as well as, or instead of, financial. If we consider that a financial remedy is appropriate then we will provide compensation for any direct loss or damage caused.

We will, when determining the appropriate remedy, take into consideration the extent of loss or damage suffered by you, relevant legal principles, the MFM~ Code of Practice and other relevant codes of conduct and concepts of fairness and relevant industry best practice.

DATA COLLECTION

We will keep data concerning your complaint in such font and manner as we think fit and will enable analysis according to:

(a) Type of complaint;

(b) Subject of complaint;

(c) Outcome of complaint;

(d) Timeliness of response.

STILL NOT SATISFIED?

If you do not think we have resolved your complaint to your satisfaction, you may take the matter – free of charge – to the relevant External Disputes Resolution Scheme (provided it is within the scheme’s terms of reference) as detailed below. You may also refer the matter to the relevant External Disputes Resolution Scheme at any time, but if our internal process is still in progress, they may request that our internal processes be complete before considering the matter further.

Our external dispute resolution service provider is the Australian Financial Complaints Authority Limited (AFCA) - (ACN 620 494 340) , which can be contacted via:

· Telephone: 1800 931 678

· Website: http://www.afca.org.au  

· Email : info@afca.org.au

· Mail: Australian Financial Complaints Authority Limited
GPO Box 3, Melbourne, VIC 3001

AGGREGATOR OWNERSHIP DISCLOSURE STATEMENT

Kidz Kabz South Australia Pty Ltd ACN 26 098 721 905, as trustee for the J & T Hall Family Trust, trading as Hall Mortgage Consultants - ABN : 19 670 106 954, Australian Credit Licence Number: 385590: operates and manages its own business and FAST takes a percentage of income for aggregation support services, including software and access to a panel of lenders. FAST is part of Loan Market group. 

 Finance & Systems Technology Pty Ltd (ABN 86 092 660 912) trading as FAST is a credit representative (Credit Representative No 392527) of BLSSA Pty Ltd ABN 69 117 651 760. Australian Credit Licence 391237. FAST is part of the Loan Market Group Pty Limited ABN 83105221967