Terms & Conditions
1st Home and its related companies understand the importance you attach to your personal information and are committed to protecting your privacy. 1st Home Pty. Ltd. is an associated company of the Members Alliance group of companies.
1st Home Pty. Ltd. is bound by the National Privacy Principles (NPPs) set out in the Privacy Amendment (Private Sector) Act 2000.
What personal information is collected about you?
The nature of personal information obtained and collected from you will depend on the service(s) you have requested and may include (but is not limited to) name, address, date of birth, contact details, income, assets and liabilities, account balances, tax and financial statements and employment details.
Most of the information is obtained directly from you through the completion of application forms and client profiles. This information about you is recorded and maintained in the course of ongoing customer service.
Before financial products are able to be arranged for you, your identity by law will need to be verified. Therefore, your personal identification documents will be requested and a copy taken. If you choose not to provide the personal information or identification documents required, the requested service(s) may not be able to be provided.
What about sensitive personal information?
Some services also require 1st Home to collect sensitive information, including (but not limited to) your racial or ethnic origin, credit records, state of health and medical history. Sensitive information is usually needed for applications for death, sickness and disability insurance and credit products.
Your sensitive information will only be used and disclosed for the purposes for which it was obtained and/or provided, unless you agree otherwise or the use or disclosure of this information is allowed by law.
How do 1st Home use your personal information and who may it be disclosed to?
1st Home will only use the information you provided for the purpose of providing you with the service(s) you have requested, unless:
- You consent to 1st Home using that personal information for another purpose;
- The other purpose is related to the main purpose and you would reasonably expect 1st Home to use the personal information for that other purpose; or
- It is permitted or required by law; or
- 1st Home believes it is necessary on health and public safety grounds to use the personal information for another purpose.
Depending on the product or service, personal information may be disclosed to:
- Other areas within the 1st Home Group who provide other services;
- Service providers and specialist advisers to 1st Home who have been contracted to provide administrative, financial, insurance, research or other services;
- Anyone authorised by you in writing, such as a power of attorney; and
- Courts, tribunals and regulatory authorities as authorised by law.
Generally, it is required that organisations outside 1st Home who handle or obtain personal information as service providers to the group, acknowledge the confidentiality of this information, undertake to respect any individual's right to privacy and comply with the National Privacy Principles and this policy.
How do 1st Home store your personal information?
Whether you interact with 1st Home personally, by phone, mail, over the internet, or other electronic medium, safeguarding the privacy of your personal information is one of 1st Home’s key responsibilities. 1st Home hold personal information in a combination of secure computer storage facilities and paper-based files and have robust procedures to protect your personal information from misuse, loss, unauthorised access, modification or disclosure.
1st Home is required to retain a record of your personal information for a period of seven years. After this period, any details that will identify you will be removed or the records will be destroyed in a secure manner.
Can you access your personal information?
You have the right to obtain a copy of any personal information 1st Home hold about you and to advise of any perceived inaccuracy. You will be required to:
- Submit your request in writing;
- Verify your identity; and
- Specify the personal information you require
1st Home will acknowledge your request within 14 days and respond within a reasonable timeframe. A fee may be charged to cover the cost of locating, retrieving, reviewing and copying any information requested. If the information sought is extensive, 1st Home will advise the likely cost in advance and can help to refine your request if required.
Information obtained from Public Records
1st Home may obtain any information from any source of public record (including but not limited to bankruptcy searches, VEDA enquiries and ASIC records) with respect to you, and any associated person and/or entity associated with you with regard to any of your requested services.
How do 1st Home keep your personal information accurate?
What if you have a complaint?
If you are not satisfied with the response to your complaint, you can phone the Privacy Commissioner's hotline on 1300 363 992.
Statistical information disclaimer
The information and data contained in this credit check authority form has been provided by 1st Home for general information purposes only. While 1st Home takes care in the compilation and provision of the information and data, it does not assume or accept any liability for the accuracy, quality, suitability and currency of the information or data, or for any reliance on the information or data. 1st Home recommends that users exercise their own care, skill and diligence with respect to the use and interpretation of the information and data.