Privacy Policy
Our commitment to protect your privacy
Gallery Capital Pty Limited seeks to provide the best
possible service to its customers by providing the best possible range of
financial products and services. We understand how important it is to
protect your personal information. This document sets out our privacy
policy commitment in respect of personal information that you may provide
to us. Our Privacy Policy ensures your right to privacy as we recognise
that any personal information we may collect about you will only be used
for the purposes indicated in our policy It is important to us that you are
confident that any personal information we collect from you or is received
by us, will be treated with appropriate respect ensuring protection of your
personal information. Our commitment in respect of personal information is
to abide by the National Privacy Principles for the protection of personal
information, as set out in the Privacy Act and any other relevant law.
Who is Gallery Capital Pty Ltd?
Gallery Capital Pty Limited is an organisation that offers
financial products and services within the mortgage industry. We process
and assess information in respect of loan applications. We locate funders
suitable to provide loans to you. We also market other products.
Personal information
When we refer to personal information we mean information from which your
identity is apparent. This information may include information or an
opinion about you, from which your identity can reasonably be ascertained.
Why we collect your personal information
We collect and receive personal information from our
customers or from other business referrers in order to conduct our
business, including assessing and obtaining approval for loans. From time
to time we may offer other products and services. To enable us to maintain
a successful business relationship with you, we may disclose your personal
information with other organisations that provide products or services used
or marketed by us. The types of organisations to which we are likely to
disclose information about you include other mortgage intermediaries,
lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit
reporting agencies, and lawyers. We may also disclose your personal
information to any other organisation that may have or is considering
having an interest in your loan, or in our business.
How do we collect your personal information?
Where reasonable and practical we will collect your
personal information only directly from you.
To whom will we disclose your personal information?
Where possible, we will inform you, at or before the time
of collecting your personal information, the types of organisations that we
intend to disclose your personal information to. Prior to disclosing any of
your personal information to another organisation, we will take all
reasonable steps to satisfy ourselves that:
(a) the organisation has a commitment to protecting your personal
information at least equal to our commitment; and
(b) you have consented to us doing so.
Sometimes we are required or authorised by law to disclose your personal
information. Circumstances in which we may disclose your personal
information would be to a Court orTribunal in response to a request or in
response to a subpoena or to the Australian Taxation Office.
Direct marketing
From time to time we may use your personal information to
provide you with current information about mortgage loans, special offers
you may find of interest, changes to our organisation, or new products or
services being offered by us or any company we are associated with. If you
do not wish to receive marketing information, you may at any time decline
to receive such information by contacting our offices by telephoning (02)
9929 9011 or by writing to us at PO Box 1748, North Sydney, New South
Wales, 2059 or
info@gallerycapital.com.au
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
It is important to our relationship that the personal
information we hold about you is accurate and up to date. During the course
of our relationship with you we will ask you to inform us if any of your
personal information has changed. If you wish to make any changes to your
personal information, you may contact us. We will generally rely on you to
assist us in informing us if the information we hold about you is
inaccurate or incomplete.
Access to your personal information
We will provide you with access to your personal
information we hold about you. You may request access to any of the
personal information we hold about you at any time. To access personal
information that we hold about you use the contact details specified above.
We may charge a fee for our costs in retrieving and supplying the
information to you.
Denied access to personal information
There may be situations where we are not required to
provide you with access to your personal information. For example, such a
situation would be information relating to an existing or anticipated legal
proceeding with you, or if your request is vexatious.
An explanation will be provided to you, if we deny you access to your
personal information we hold.
Business without identifying you
In most circumstances it will be necessary for us to identify you in order
to successfully do business with you, however, where, it is lawful and
practicable to do so, we will offer you the opportunity of doing business
with us, without providing us with personal information. Such a situation
would be where you make general inquiries about interest rates or current
promotional offers. Where sensitive information is collected, stored, used
or transferred about you, we will only use this information if you have
consented or in the exercise or defence of a legal claim. Sensitive
information is information relating to your racial or ethnic origin,
political persuasion, memberships in trade or professional association 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, and when the information
is no longer needed for any purpose for which the information may be used
or disclosed, it will be destroyed or permanently de-identified. We will
also take reasonable steps to protect any personal information from misuse,
loss and unauthorised access, modification or disclosure.
Further information
You may request further information about the way we manage your personal
information by writing or emailing.
Change in our privacy policy
We are constantly reviewing all of our policies and attempt to keep up to
date with market expectations. Technology is constantly changing, as is the
law and market place practice. As a consequence we may change this privacy
policy from time to time or as the need arises. This privacy policy came
into existence on the 21 December 2001.