Privacy Policy

 

We need to collect personal information about you to provide you with our broking and related services. This Privacy Statement tells you how we collect your information, what we use the information for and who we share the information with. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection.


HOW INFORMATION IS COLLECTED FROM YOU
We will collect your information from you directly whenever we can, like from enquiries we make of you when you seek credit assistance from us. We may verify that information from sources referred to in the responses to those enquiries or in this privacy statement.


HOW INFORMATION IS COLLECTED FROM OTHER SOURCES
Sometimes we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it’s reasonably necessary to do so, for example, where:
 we collect information from third parties about a loan or lease in relation to which you seek our services;
 we can’t get hold of you and we rely on public information to update your contact details; or
 we exchange information with your legal or financial advisers or other representatives.


WHEN THE LAW AUTHORISES OR REQUIRES COLLECTION OF INFORMATION
Some law may require us to collect personal information about you. For example, we may require your information to verify your identity under Australian Anti-Money Laundering law.


HOW YOUR INFORMATION MAY BE USED
We may use your information for purposes including:
 giving you credit assistance;
 giving you information about loan products or related services;
 considering whether you are eligible for a loan or lease or any related service you requested;
 assisting you to prepare an application for a lease or a loan;
 administering services we provide, for example, to answer requests or deal with complaints;
 identifying you;
 telling you about other products or services we make available and that may be of interest to you, unless you tell us not to;
 telling you about other suppliers, with whom we have arrangements, that supply goods or services that may be of interest to you;
 allowing us to run our business efficiently and perform general administrative tasks;
 preventing or investigating any fraud or crime or any suspected fraud or crime;
 as required by law, regulation or codes binding us; and
 any purpose to which you have consented.


You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable.


WHAT HAPPENS IF YOU DON'T PROVIDE INFORMATION?
If you don’t provide your information to us, it may not be possible to:
 assist in finding a loan or lease relevant to your circumstances;
 verify your identity or protect against fraud; or
 let you know about products or services that might be suitable for your financial needs.


Credit Guide, Privacy Statement and Consent
Australian Associated Advisers Pty Ltd trading as KeyInvest Lending Services ABN 36 084 974 694 Australian Credit Licence Number 392169
KLS Credit Guide, Privacy Statement and Consent Form_

 

SHARING YOUR INFORMATION

 

GENERAL
We may use and share your information with other organisations for any purpose described above.


SHARING WITH YOUR REPRESENTATIVES AND REFEREES
We may share your information with:
 your representative or any person acting on your behalf (for example, lawyers, settlement agents, accountants or real estate agents); and
 your referees, like your employer, to confirm details about you.


SHARING WITH THIRD PARTIES
We may share your information with third parties in relation to services we provide to you or goods or services in which we reasonably consider you may be interested. Those third parties may include:
 the mortgage aggregator through whom we may submit loan or lease applications to lenders or lessors on the mortgage aggregator’s panel;
 the Australian Credit Licence holder that authorises us to engage in credit activities;
 referrers that referred your business to us;
 financial services suppliers with whom we have arrangements;
 valuers;
 lenders, lessors, lender’s mortgage insurers and other loan or lease intermediaries;
 organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other misconduct;
 government or regulatory bodies as required or authorised by law. In some instances, these bodies may share the information with relevant foreign authorities;
 guarantors and prospective guarantors of your loan or lease;
 service providers, agents, contractors and advisers that assist us to conduct our business;
 any organisation that wishes to take an interest in our business or assets; and
 any third party to which you consent to us sharing your information.


SHARING OUTSIDE OF AUSTRALIA
We are not likely to disclose your information to organisations overseas. However, we may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held.


 


ELECTRONIC TRANSACTIONS DISCLOSURE STATEMENT
You consent to the Credit Representative, or any other party associated with this loan application, communicating electronically with you.
You nominate and authorise us to act on instructions we have received electronically.
This consent and authority will apply to all communications permitted to take place electronically by law including but not limited to:
 notices and disclosure documents from us to you about your credit application;
 credit contract documents;
 variations to the credit contract; and
 notices from you to us.
We will rely on this consent to communicate with you by:
 electronic mail (“e-mail”) to the e-mail address that you have notified to us;
 making a notice available for you to access on our website;
 any other method of electronic communication; and/or
 ordinary mail to the address on our records.
For example, we will send an email to your email address to give you our Credit Guide and Privacy and Electronic Transactions Consent Forms.
 By giving this consent, we are no longer required to send you notices or other documents in paper form.
You must ensure that:
 you check your email regularly for notices and other communication from us;
 your email address remains current (or otherwise notified to us); and
 emails from us to your email address are not blocked.
 We rely on you to keep your nominated e-mail or physical (street) address details up-to-date and to notify us when they change.
Providing you with electronic documents does not alter your obligations under any terms and conditions of a credit contract.
You can print and save a copy of any notice or other document provided to you electronically.
You are responsible for ensuring that you use the relevant computer programs and have sufficient internet capacity to interact with our system.
We may act on facsimile instructions if it appears to us the instructions have been appropriately authorised.
We may refuse to act on any instruction for any reason, or refuse to act until we receive confirmation of the instructions from you by other means.


RETURNING TO PAPER COMMUNICATIONS
You are not obligated to receive electronic communications and you are able to withdraw this consent at anytime by contacting your Credit Representative. When asking to terminate your electronic communication agreement you are asking to receive those documents on paper, delivered by post to your nominated street address.


PRIVACY POLICY
Our Privacy Policy sets out how you can ask us to access and seek to correct information we hold about you and how you may complain against us about a privacy issue.
For further information about how we handle your information electronically or to request access to the information we hold about you, you can contact your Credit Representative via the details listed on the first page of this document.
You agree that we may use your personal information for marketing or research purposes after the credit covered by this application ceases.
You can find out more about how we manage your information by reading our Privacy Policy available from our website www.keyinvestlendingservices.com.au.
Alternatively, you can contact our Privacy Officer on the details below:
Phone: 1300 821 000
Email: compliance.team@keyinvest.com.au
Mail: Attn: Privacy Officer, 81 The Parade, Norwood, SA, 5067

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 Cosi Trading Pty Ltd ACN 146 602 799 Authorised Credit Representative 410464 under Australian Associated Advisers Pty Ltd trading as Cosi Home Loans Australian Credit License Number 392169 ACN 084 974 694. Australian Associated Advisers Pty Ltd is not authorised to carry on business in any country other than Australia. The information contained in this website is directed to and available for Australian residents only. Copyright © 2016 unless otherwise noted. Cosi Trading Pty Ltd assigns leads to various brokers who are credit representatives under the Australian Credit License Number 392169 and who will provide their necessary  credit guides and privacy policies on contacting you. 

 

This website is for people to gain assistance in obtaining approval for their property purchase or loan refinance. LoanChanger and Cosi Trading Pty Ltd are both bound by the Australian Privacy Laws and any information gathered through this site will be used only for the purpose it is intended by the supplier and not given to any third party. Copies of the Website Privacy Guide, Privacy Guide and other Compliance information can be obtained from HERE.

 

www.loanchanger.com.au is fully owned by Cosi Trading Pty Ltd. Cosi Trading Pty Ltd holds memberships with the Mortgage and Finance Association of Australia (MFAA) and are members of COSL. A referral fee may be paid to a referring agent but any fee will be disclosed in its entirety as required by NCCP. * The broker will pay $200 for every $100,000 of home loan refinanced up to a maximum of $1,000 to cover any costs associated with financing other than paying break costs of a fixed loan.  **The comparison rate is based on a secured loan of $150,000 over the term of 25 years. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. For comparison rates applicable to your situation

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