The Freedom to Grow

We are committed to empowering you, the customer to choose the finance option that suits your life goals.

POLICY AND STATEMENT

Please read our policy and statement here at Blueskin Bay Finance to understand how our financial services work. For further concerns and clarification, kindly reach out to us. We serve clients in Perth, WA.

Credit Guide

The Credit Guide acknowledges your right to ask about our services including the following:

Our commitment to you
The type of advice we can give you

How we are remunerated
What to do if you have a complaint

Having your questions answered

When we meet with you at the first interview to discuss your financial needs we will provide you with the credit guide outlining the way we operate, the services we provide, the lenders we work with and key things you should know. It is important that you are aware of our obligations to provide you with quality service and trustworthy financial advice.

We take our commitments to you seriously and want to ensure that your experience is one that will be memorable for all the right reasons. Keep the credit guide handy so you can refer to it if you need during our subsequent meetings. We will also make sure that we always have an extra copy available if you need it.

Legal Issues

We are obligated to act in your best interests and we also represent lenders and have an obligation to them. We are required to provide any information we know to the lender chosen and we are not to provide any information we know is misleading or deceptive. We also have an obligation under the law to report any fraud, forgery, or their illegal activities. When you sign an agreement with us you are confirming that you understand we have these obligations.

We are also obligated under law to ensure that the finance we arrange for you is appropriate. We will need to make reasonable enquires into your financial needs, goals and circumstances in order to provide you relevant financial advice.

We do not provide legal, taxation, insurance or deposit account advice. We recommend that you consult your Accountant, Solicitor or Investment Advisor in respect to the financial implications of your application for finance before you enter the loan contract. If you have any questions about our role and the law, please ask us before you sign.

Handling Disputes and Protecting Your Privacy

Internal Dispute Resolution

Before you accept your loan offer make sure you read the credit contract carefully to find full details for the loan. It is important that you check the loan agreement to ensure that the terms of the loan do not vary from what you require. Inform us immediately if the contract differs from what you have agreed so that we can immediately assist you.

If you have a complaint about your finance application or if you believe an error has occurrent then you can contact your Blueskin Bay Finance Broker to discuss. We are here to support you and will work with you to understand your complaint and determine what solution we can provide.

If your Broker is unable to achieve a satisfactory resolution then you can submit your complaint in writing and we will endeavour to review your complaint with the Directors and provide you a written response. The contact person to submit your complaint to is:

Geoff Webb (Director)

Email: Geoff@blueskinbayfinance.com.au

Address:

9/39 Peppermint Gardens

Aubin Grove WA 6164

Blueskin Bay Pty Ltd

ACN 099 688 016

Australian Credit Licence Number 389132

External Dispute Resolution

If you are still not satisfied with the outcome of your complaint, then you have the further option of referring the matter to an external dispute resolution scheme known as the Australian Financial Complaints Authority Limited (AFCA) Member Number 44657. You can obtain further details about our dispute resolution procedures and obtain details of our privacy policy on request.

AFCA Contact Details:

Australian Financial Complaints Authority Limited

GPO Box 3

Melbourne, VIC, 3001

info@afca.org.au

Monday to Friday 9am – 5pm AEST

Complaints 1800 931 678

Further information about the AFCA can be found at: www.afca.org.au

Our commitment to your privacy

We understand how important it is to protect your personal information. Our Privacy Policy outlines our commitment to respect your personal information.

We recognise that any personal information we collect about you will only be for the purposes indicated. It is important to us that you are confident that any personal information we collect from you or on your behalf will be treated with appropriate respect and security.

We are committed to abiding by the National Privacy Principles for the protection of personal information, as set out in the Privacy Act. You can view these at:

https://www.oaic.gov.au/agencies-and-organisations/guides/app-quick-reference-tool

https://www.oaic.gov.au/privacy-law/privacy-act/

We collect and store personal information such as your name, address, contact details and credit information. Where necessary we also collect information on Company Directors and Officers. You are obligated to provide accurate and complete information so we can assist you with the product and services you require.

We are committed protecting your private information through ensuring that we have your information secure and we follow a secure handling practice to make sure that we only access the information we need when we need it. When working with other third parties throughout the finance process we will ensure we have your consent to disclosure.

By applying for finance with us you are also authorising us to:

Disclose credit information to any joint borrower with you and/or guarantor
Disclose credit information to third parties to complete compliance audit requirements to ensure due diligence is maintained (this can include Lenders, accountants, compliance firms, aggregators, and government agencies involved with the enforcement of the NCCP)
Provide information to third parties as required with the successful completion of the loan transaction
Blueskin Bay Finance employees assisting in the provision of financial services for you
Add your information to the Blueskin Bay database for the purpose of mail and follow ups
Obtain information in writing from third parties regarding your finance application such as your employer, and accountant

From time to time as part of our service we will contact you to:

Ensure that you are adequately informed on the progress of your application
Check you are satisfied with the Product and Service you have been provided

For administration purposes
Update your information
Review your finance needs and goals

You may access your information by contacting us in writing. We will require presentation of appropriate identification to release any information to you and we will not be able to release this information over the phone.

About this Website Policy

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 policy website 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 of, 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. 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 a 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
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 (e.g. 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 we sites 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
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.

Security of Information

The security of you 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 will provide you with relevant information to your financial needs from time to time through our email, facebook, twitter and website functions. We may also use your personal information for direct marketing purposes.

For more information on the privacy act, please follow the link below:

https://www.oaic.gov.au/privacy-law/privacy-act/

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 by typing your email address below and clicking the ‘unsubscribe’ button. Alternatively you can email us at Geoff@blueskinbayfinance.com.au and 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.

Version: March 2014 Updated: 21 January 2016