PRIVACY POLICY

 

Curtis Property Investments Pty Ltd. trading as Curtis Property Investments (“us”, “we”, or “our”) operates the https://curtispropertyinvestments.com.au/ website (the “Service”).

This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.We need to collect personal information about you to provide you with our broking & related services. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection.

 

Types of Data Collected

Personal Data

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you (“Personal Data”). Personally identifiable information may include, but is not limited to:

• Email address
• First name and last name
• Phone number
• Address, State, Province, Postal code, City
• Cookies and Usage Data

We may use your Personal Data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email we send.

Usage Data

We may also collect information how the Service is accessed and used (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

Tracking Cookies Data

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyse our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

Examples of Cookies we use:

• Session Cookies. We use Session Cookies to operate our Service.
• Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
• Security Cookies. We use Security Cookies for security purposes.

 

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:

• 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 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.

 

Service Providers

We may employ third party companies and individuals to facilitate our Service (“Service Providers”), to provide the Service on our behalf, to perform Service-related services or to assist us in analysing how our Service is used.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Analytics

We may use third-party Service Providers to monitor and analyse the use of our Service.

Google Analytics – Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

Behavioral Remarketing

Curtis Property Investments Pty Ltd. trading as Curtis Property Investments uses remarketing services to advertise on third party websites to you after you visited our Service. We and our third-party vendors use cookies to inform, optimize and serve ads based on your past visits to our Service.

Google AdWords – Google AdWords remarketing service is provided by Google Inc. For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

Facebook – Facebook remarketing service is provided by Facebook Inc.You can learn more about interest-based advertising from Facebook by visiting this page: https://www.facebook.com/help/164968693837950Facebook adheres to the Self-Regulatory Principles for Online Behavioral Advertising established by the Digital Advertising Alliance. For more information on the privacy practices of Facebook, please visit Facebook’s Data Policy: https://www.facebook.com/privacy/explanation

 

Links to Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third party link, you will be directed to that third party’s site. We strongly advise you to review the Privacy Policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

 

Information about other people

If you give information to us about another person (like your co-applicant) in relation to the services we provide, you will let that other person know that:

• we have collected their information to provide those services or for any other purpose set out in this privacy notice;
• we may exchange this information with other organisations set out in this privacy notice;
• we handle their personal information in the way set out in our Privacy Policy and they can:
  • access or request a copy of our privacy policy; or
  • access the information we hold about that other person, by using our contact details above; and
• we may not be able to provide those services to you unless we obtain their information.

 

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

 

Contact Us

If you have any questions about this Privacy Policy, please contact us:

• By email: carol@curtispropertyinvestments.com.au