Your rights in relation to privacy
We understand the importance of protecting the privacy of an individual's personal information. This policy statement sets out how Ranfurlie Asset Management Pty Ltd ACN 603 201 332 and its related entities (we/our/us) aim to protect the privacy of your personal information, your rights in relation to your personal information managed by us and the way we collect, hold, use and disclose your personal information.
In handling your personal information, we are committed to preserving your privacy in accordance with the Privacy Act 1988 (Cth) (Privacy Act) and its 13 Australian Privacy Principles. This policy statement may be updated from time to time.
This policy statement addresses the following:
1. What kinds of personal information do we collect?
Personal information is information or an opinion about an identified, or reasonably identifiable, individual. During the provision of our products and services, we may collect your personal information.
Generally, the kinds of personal information we collect include:
In some circumstances, we may also hold other personal information provided by you or a credit reporting body.
Our premises are under video and camera surveillance. Upon entering any of our premises, the personal information and images of entrants may be collected by us for security purposes.
2. How do we collect your personal information?
Generally, we collect your personal information directly from you, in the course of interaction with you, including but not limited to when you:
There may be occasions when we collect your personal information from other sources such as an information services provider or a publicly maintained record including but not limited to:
We may also collect personal information about you when conducting market research.
Generally, we only collect your personal information from sources other than you if it is unreasonable or impracticable to collect your personal information from you.
3. Why do we need your personal information?
We collect, hold, use and disclose your personal information where it is reasonably necessary for the purposes of:
Where personal information is used or disclosed, we take reasonable steps to ensure it is relevant to the purpose for which it is to be used or disclosed.
You are under no obligation to provide your personal information to us. However, without certain information from you, we may not be able to provide our products and services to you.
4. To whom do we disclose your personal information?
We disclose your personal information for the purpose for which we collect it. That is, generally, we will only disclose your personal information for a purpose related to the provision, construction or financing of land and homes.
This may include disclosing your personal information to third parties engaged by us to perform administrative or other services, lenders or other credit providers, mortgage insurers, our contractors, related bodies corporate, stationery printing houses, mailing houses, professional advisors or people or entities considering acquiring an interest in our business or assets or in connection with transactions involving the ownership or management of our properties.
We also disclose to the credit reporting body, Veda Advantage (the contact details of which are set out in paragraph 2), information about you having applied for credit. This enables us to collect from Veda Advantage credit related personal information about you for the purposes of:
This disclosure is always on a confidential basis or otherwise in accordance with law. We may also disclose your personal information with your consent or if disclosure is required or authorised by law.
5. Overseas disclosures
We do not disclose personal information to overseas recipients. However, in the event we need to do so:
6. Direct marketing
We may use and disclose your personal information in order to inform you of our products and services that may be of interest to you. In the event you do not wish to receive such communications, you can opt-out by contacting us via the contact details set out in paragraph 12 or through any opt-out mechanism contained in a marketing communication to you.
7. Security of your personal information
We take reasonable steps to ensure that the personal information we hold is protected from misuse, interference and loss and from unauthorised access, modification or disclosure. We hold personal information in both hard copy and electronic forms in secure databases on secure premises, accessible only by authorised staff.
We will destroy or de-identify personal information in circumstances where it is no longer required, unless we are otherwise required or authorised by law to retain the personal information.
You should be aware that the Internet is not a secure environment. If you use the Internet to send us information, including your email address, it is sent at your own risk.
8. Can you access and correct the personal information that we hold about you?
We take reasonable steps to ensure personal information we collect, hold, use and disclose is accurate, up-to-date and complete.
Under the Privacy Act, you have a right to access and seek correction of your personal information that is collected and held by us. If at any time you would like to access or seek correction of the personal information that we hold about you, or you would like more information on our approach to privacy, please contact our Privacy Officer via the contact details set out in paragraph 12
We will grant access to your personal information to the extent required or authorised by the Privacy Act or other law and take reasonable steps to correct personal information where necessary and appropriate.
To obtain access to your personal information:
we may charge you a reasonable administration fee, which reflects the cost to us, for providing access in accordance with your request. In the event we correct personal information that we have previously disclosed to another entity, you may request us to notify that other entity of the correction. In these circumstances, we will take reasonable steps to notify the other entity of the correction unless it would be impracticable or unlawful to do so.
We will endeavour to respond to your request to access or correct your personal information within 30 days from your request.
You may also seek to access and correct personal information we have obtained about you from Veda Advantage by contacting them on the details set out in paragraph 2.
9. Right to refuse access or correction
We reserve our right to refuse your request to access or correct your personal information if we consider your request to be frivolous or vexatious or if we are otherwise legally entitled to do so.
If we refuse your request to access or correct your personal information, we will provide you with written reasons for the refusal and details of complaint mechanisms. We will nevertheless take reasonable steps to provide you with access in a manner that meets both your, and our, needs.
If we refuse your request to correct your personal information that we hold and you provide us with a statement that the information is inaccurate, out-of-date, incomplete, irrelevant or misleading, we will take reasonable steps to associate the statement in such a way that will make the statement apparent to users of the information.
10. Web site cookies
Cookies cannot determine the identity of individual users. It is a feature of your Internet browser that you can disable at any time.
11. Privacy complaints
Please direct all privacy complaints to our Privacy Officer.
At all times, privacy complaints:
In the event you have a complaint with respect to privacy, the Privacy Officer will commence an investigation and inform you of the outcome of the investigation. If you are dissatisfied with the outcome of the investigation, you may refer the complaint to the Federal Office of the Australian Information Commissioner or, if you would like to participate in an external dispute resolution process, to Credit Ombudsman Services Ltd, Phone 1800 138 422 or PO Box A252, Sydney South NSW 1235.
12. How to contact us
For further information or enquiries regarding your personal information, please contact our Privacy Officer at:
Address: The Privacy Officer, Dennis Family Corporation, 863 High Street, Armadale, VIC 3143
Ph: 03 9573 1208