Policies

Website Policy
This website policy includes a website that allows consumers to fill in questionnaires, forms and surveys, loan applications, subscription services and online expert chat.
About this Website Policy
This website policy applies to this website, which is operated on behalf of S. Antrobus & Associates Pty. Ltd ACN 161 965 420 and its related bodies corporate (we, us and our).  
We are committed to protecting your privacy.
This policy explains how your personal information will be treated as you access and interact with this website. 
Our website privacy policy may change from time to time.
Collection and use of information 
We may collect personal information from you directly or via your use of our services.   We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities.
Sensitive information
Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.
We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it will also be captured and stored.
Information from third parties
Our website also contains links to the websites of third party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties
Where you access a Third Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.
Advertising and tracking
When you view our advertisements on a Third Party website, the advertising company uses 'cookies' and in some cases 'web beacons' to collect information such as:
the server your computer is logged onto;
your browser type;
the date and time of your visit; and
the performance of their marketing efforts.
When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (eg which pages you view) and whether you complete an online application.
Cookies
We use ‘cookies’ to provide you with better and more customised service and with a more effective website.
A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.
We use cookies for different purposes such as:
to allocate a unique number to your internet browsers;
to customise our website for you;
for statistical purposes;
to identify if you have accessed a Third Party Website; and
for security purposes.
IP addresses
Your IP address is the identifier for your computer when you are using the internet.
It may be necessary for us to collect your IP address for your interaction with various parts of our website.
Online applications 
When you send a completed online application to us, we retain the information contained in that application.  We are able to then use that information to provide any financial services that you require.
You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.
Security of information
The security of your information is very important to us.
We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure. 
We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.
If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.
We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
Direct marketing
We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.
We may use your personal information for direct marketing purposes.  If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may submit a request admin@reliantmortgage.com.au.  We will respond to your request as soon as practicable.
Disclosure to overseas entities
We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities.
Please contact us on 0448 563 951 if you would like further informatio
n.

​Privacy Policy

We need to collect personal information about you to provide you with our broking & 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 (for example, from public registers or social media) or made available by third parties 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 including help, guidance and advice;
  • considering whether you are eligible for a loan or lease or any related service you requested including identifying or verifying you or your authority to act on behalf of a customer;
  • 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;
  • administering payments we receive, or any payments we make, relating to your loan or lease;
  • telling you about other products or services we make available and that may be of interest to you, unless you tell us not to;
  • identifying opportunities to improve our service to you and improving our service to you;
  • 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.


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 Broker Group through whom we may submit loan or lease applications to lenders or lessors on the Broker Group’s panel.  You can view our Broker Group’s privacy notice at http://www.choiceaggregationservices.com.au/privacy. It sets out how that Broker Group manages your personal information and where you can find its privacy policy;
  • the Licensee, BLSSA Pty Ltd, that authorises us to engage in credit activities.  You can view BLSSA’s privacy notice at the same internet address as our Broker Group’s privacy notice. It sets out how BLSSA manages your personal information and where you can find its privacy policy;
  • 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 for purposes including, without limitation, storing or analysing information;
  • 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 may use overseas organisations to help conduct our business. As a result, we may need to share some of your information (including credit information) with such organisations outside Australia. The countries in which those organisations are located are:

  • N/A


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. If your information is stored in this way, disclosures may occur in countries other than those listed.

Overseas organisations may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure.

   Privacy Policy
You can find out more about how we manage your information by reading our Privacy Policy available by contacting us.  Please see our contact details above.  [Also, you can read and obtain a copy of that policy at our website address set out at the start of the Credit Guide to which this notice is attached.]  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.