unity finance

compliance


Unity Finance is able to offer grants to its clients because we do not have the expense or environmental footprint associated with a corporate head offices, we come to you.


Unity Finance holds the following finance industry accreditations & memberships;

        • Full membership of the Mortgage Finance Association of Australia,
        • Membership of the Credit & Investment Ombudsman (CIO), an External Dispute Resolution (EDR) service approved by ASIC,
        • Unity Finance is a corporate credit representative (no. 364651) and is authorised under Australian Credit License no. 389328.

Privacy

About this Websites Privacy Policy

A privacy policy applies to this website, which is operated on behalf of Unity Finance Pty Ltd ACN 052 855 320 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 came into effect on 1 July 2014 and may change from time to time.

Privacy Statement

'We are committed to protecting your privacy. We use the information you provide to assist you with your credit needs, including the preparation and submission of loan applications. We also use it to send you product information and promotional material. From time to time this will include direct marketing communications but we will always give you the option of not receiving these communications. We provide your information to our credit licensee (Connective Credit Services Pty Ltd) and the companies with whom you choose to deal (and their representatives). We may also provide your information to contractors who supply services to us (e.g. to handle mailings on our behalf), and to others if we are required to do so by law. We do not trade, rent or sell your information or disclose it to overseas recipients.

If you don’t provide us with full information, we can’t properly advise or assist you with loan applications.  Our Privacy Policy contains information about how you can access and ask us to correct your information, or make a privacy related complaint. You can obtain a copy by contacting your broker or visiting our website.'

Your consent

By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided to us for the purposes described above.

For more information on your privacy rights please visit www.privacy.gov.au 

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 that 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

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 the third party and us.

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 of our financial services that you require.

Security of information

The security of your information is very important to us. 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. If you do not wish to receive direct marketing communications from us, or wish to know the source of the information being used, you may submit a request via the unsubscribe link located at the bottom of the direct marketing communications. We will respond to your request as soon as practicable.

Complaints

If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act and the Credit Reporting Code, you may contact our complaints officer.

The complaints officer's details are:

PO Box 137, West Ryde N.S.W 2114   Ph. +61 2 9874 9979   or email us using our website contact tab.

We will acknowledge your complaint within seven days and provide you with a decision within 30 days.

What if the issue is not resolved?

If however, despite our best efforts, you believe that your complaint has not been satisfactorily dealt with by our staff you may wish to contact our External Dispute Resolution Service, the Credit & Investment Ombudsman (CIO), which is an independent complaints resolution service provider.

The Credit & Investment Ombudsman contact details are:

PO Box A252 Sydney South NSW 1235   Ph. 1800 138 422    Fax. +61 2 9273 8440   Email. info@cosl.com.au   website. http://www.cio.org.au  

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DISCLAIMER:To the extent permitted by law, Unity Finance accepts no liability for any loss or damage (including indirect, special or consequential loss or damage) to any person or corporation arising from the use of or reliance upon information contained, in or accessed through, this web-site. If such disclaimer is prohibited by law, Unity Finance limits its liability (to the extent permitted by law) to the re-supply of such information. Unity Finance products and services are only available to Australian residents and Australian law applies to those products and services. The information contained in this web-site is general only and is not intended to provide you with financial advice or take into account your objectives, financial situation or needs. You should consider with a professional adviser whether the information is suitable for your circumstances.Unity Finance does not accept any liability for information given by organisations referred to in this web-site or contained in web-sites that may be linked to the web-site. You access those organisations, their web-sites and utilise them at your own risk.
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