PRIVACY ACT

Mortgage Corporation Network takes your privacy very seriously.

Should you wish to contact us directly about your current loan application:

Contact Credit Manager on

If you wish to make a complaint to Mortgage Corporation Network please use the phone or fax or email numbers as above.

If you require general information:
Please email: info@mortgage-corp.com.au

The general terms and conditions of your privacy regarding a mortgage application are:

Privacy Act: 1988

Amendments to Privacy Act 21 Dec 2001

1. Application for commercial credit
If my/our application is for commercial credit, obtain and use a credit report from a credit reporting agency containing personal information about me/us to assess my/our application for commercial credit.

2. Application for consumer credit
If my/our application is for consumer credit, obtain and use a credit report containing information about my/our commercial activities or commercial credit worthiness to assess my/our application for consumer credit.

3. Collection of overdue payments
Obtain and use a credit report about me/us provided by a credit reporting agency to collect overdue payments from me/us.

4. Exchange of information between credit providers
Obtain from and use or give to another credit provider (including any other credit provider who has lent money on the same security) any information about my/our credit worthiness, credit standing, credit history or credit capacity.

I/We understand this information may be used for any of the following purposes:
To assess my/our credit worthiness. To assess an application by me/us for credit
To help me/us avoid defaulting on my/our credit obligations. To notify a default by me/us. To assist in the collection of overdue payments from me/us. To exchange information with credit providers who are involved in mortgage securitisation. To exchange information with credit providers as to the status of this loan

5. Exchange of information with advisers and other persons
Obtain from and use or give any personal information or commercial credit information about me/us to any broker, financial consultant, accountant, lawyer, or other adviser acting in connection with the loan to be provided to me/us pursuant to this application.

6. Provide information to credit reporting agencies
Give to a credit reporting agency personal information or commercial credit information about me/us to obtain a consumer credit report about me/us or to allow the credit reporting agency to create or maintain a credit information file containing information about me/us. The information which may be given before during or after the provision of credit to me/us is limited to:

Identity particulars. The fact that consumer credit or commercial credit has been applied for and the amount. The fact that the Credit Provider is a current credit provider to me/us. Payments, which become overdue more than 60 days and for which collection action has commenced. Advice that payments are no longer overdue in respect of any default, which has been listed. Advice that cheques drawn by me/us for more than $100 have been dishonored more than once.
In specific circumstances, that in the opinion of Mortgage Manager or the Credit Provider, I/we have committed a serious credit infringement. That the loan provided to me/us by the Credit Provider has been paid or otherwise discharged
Or otherwise in connection with arrangements relating to lenders' mortgage insurance.

7. Provide information for securitisation
Disclose any report or personal information about me/us to another person in connection with funding financial accommodation by means of an arrangement involving securitisation.

8. Provide information to Guarantors
Provide any report or personal information about my/our credit worthiness, credit standing, credit history or credit capacity that credit providers are allowed to disclose under the Privacy Act (including a credit report) to any person who proposes to guarantee or provide security for, or has guaranteed or provided security for, the repayment of a loan provided to me/us to enable them to decide whether to act as a guarantor or provide security or to keep them informed about any guarantee or security they may provide

9. Provide information to trade insurer
If my/our application is for commercial credit, I/we consent to a trade insurer obtaining a credit report about me/us containing consumer credit information, in order to assess whether to insure the Credit Provider for the loan given to me/us, or the risk of providing insurance or to assess my/our risk of defaulting under the loan.

10. Authority to obtain, exchange and disclose personal information concerning Guarantor
Obtain and use a credit report from a credit reporting agency containing personal information about me/us to assess whether to accept me/us as a guarantor for the commercial credit or consumer credit for which the Applicant has applied or otherwise in connection with arrangements relating to lenders' mortgage insurance.

With regard to privacy in general the following applies from this web site:

Introduction
The Internet provides access to volumes and varieties of information that was previously unheard of, however it also brings a whole new set of issues regarding personal privacy.
Mortgage Corporation Network respects the privacy of every individual who uses our services. This policy describes the standards and terms under which Mortgage Corporation Network protects such privacy. It has been prepared to assist you in understanding the manner in which your information is collected and managed, as well as the steps taken to guard it.
This policy may change from time to time, so please check back periodically to review this information.

Complaints about Content
In the event that someone wishes to make a complaint regarding content of an Internet site, they can use this link to the web site of the Australian Broadcasting Authority or at:

The Manager Online Services Content Regulation
Australian Broadcasting Authority
GPO Box Q500 Queen Victoria Building NSW 1230
FAX: (02) 9334 7783
Email: online@aba.gov.au

Formal and Voluntary Obligations
As a Mortgage and Finance Web information provider Mortgage Corporation Network must comply with Federal Government Acts, including the Commonwealth Privacy Act 1988, the Privacy Amendment Act 2000. As part of the Mortgage Corporation Network commitment to protecting your privacy, we monitor our compliance with these regulations.
In addition we have introduced some in-house practices that further increase the levels of security and privacy our customers can expect. In essence, Mortgage Corporation Network is committed to providing a reliable and secure service whilst protecting the privacy of its customers.

Services:
At Mortgage Corporation Network we offer;

• Email (electronic mail) links to our network of originators.
  
• Writing & Literature about finance and finance products which on occasion may link to other sources of information.
• The ability to link to mortgage originators in our network.
• Access to e-banking facilities.
  

In order to provide the most efficient, user friendly and highest quality services it is necessary to gather certain information about our customers. This information can be divided into two broad types:
Generic information that provides general site usage details, and Personal information that is unique to the individual customer.

Generic Information
Many of the ways in which you interact with our site allow us to learn more about you. We collect and store statistics and other information about visits to our site on an aggregated basis. We use your ISP address to help diagnose problems with our server, and to administer our Web site. Your IP address is used to gather broad demographic information, as we also track the number of people who view each page to learn which features are the most popular. But in these, and almost all other instances, we do not obtain personally identifiable information about you.
Other data is collected to monitor and improve Mortgage Corporation Network services and performance. For example, when you visit a web page the URL requested is automatically recorded, along with the time, date, and the browser software being used. This information assists us in maintaining accurate accounts and identifying markets for our products.
From time to time, Mortgage Corporation Network may provide aggregated statistical information about sales, browsing patterns and navigation techniques to reputable third parties. This is not personally identifiable information, and assists Mortgage Corporation Network to improve products and services offered.
Other sites visited via Mortgage Corporation Network may collect information through the use of cookies or other tracking methods. Cookies are small segments of text that are used to store information about you and your site visit. They are transmitted to your web browser for storage on your hard drive. The information gathered is retrieved by the original site upon your next visit. Allowing them to tailor you views of their site to your previous preferences and recall previous transactions.
You can usually, depending on your browser type, configure your computer to notify you if it receives a cookie. You also have the ability to refuse a cookie, although some aspects of visited sites may not work properly if you do.

Personal Information
When accessing Mortgage Corporation Network services, information such as your name, contact details, operating system and billing preferences were or can be collected. This information is necessary for us to provide quality service and support. We will not disclose any personal information without your express permission, unless required by law as a result of a warrant or other legal processes.
We do not monitor which web sites you visit or look at what you put in written communications such as emails, news articles, or chat rooms and forums. Our staff will not look at or read any written communications unless it is necessary to resolve a technical issue. In almost all cases, we will clearly inform you of the need to do so, and we will seek your permission before opening your mailbox on our servers.
Whilst Mortgage Corporation Network undertakes all reasonable steps to protect your personal information, sending and receiving information over the Internet is always at your own risk. No guarantee can be given that information sent over the Internet is completely and 100% secure.
Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through communications services via Mortgage Corporation Network or third parties, this information may be collected and used by others.
Mortgage Corporation Network encourages you to review the privacy statements of websites you choose to view so that you understand how those websites collect, use and share your information. Mortgage Corporation Network is not responsible for the privacy statements or other content with respect to any third party websites.

Updating Information
Only authorized Mortgage Corporation Network personnel have access to your personal information, which we keep in a secure environment. Updates to you information can be made over the telephone via the Mortgage Corporation Network office. To use this service you will need to provide your username and password, and possibly other personal details as a security measure, before any customer personal information is revealed or discussed. Keep your passwords and account details secret. If un-authorized access of your account occurs please inform us immediately.

Information Security
Mortgage Corporation Network makes every effort to ensure the security of your personal information. There are security measures in place to protect the loss, misuse and alteration of the information under our control.
Unfortunately, no data transmission over the Internet can be guaranteed 100% secure. We recommend that you never reveal your password to anyone. You will never receive a request from Mortgage Corporation Network for your password information in an unsolicited phone call or e-mail.
The privacy policy described here applies only to Mortgage Corporation Network, and not to other companies' or organizations' Web sites to which we link, or which link to us.

Information about Children
Mortgage Corporation Network takes reasonable steps to ensure that access accounts are not provided to children under 18 without parental consent or the consent of a responsible adult. To the extent Mortgage Corporation Network is able to determine the age of users by their communications with our Web site, Mortgage Corporation Network will not knowingly:
Collect information from individuals under the age of 18 without their parent's or guardian's consent, or provide any personally identifying information collected from children, regardless of its source, to any third party for any purpose whatsoever. Children's privacy is of primary concern to us and Mortgage Corporation Network recommend that children should always ask a parent before entering web pages or internet services or sending any transmission over the Internet.
Mortgage Corporation Network also recommends that parents supervise all child access to the Internet, or implement filtering technologies to limit, or prevent, access to unsuitable content.

Exceptions and Limitations
Notwithstanding the terms contained in this policy and in compliance with applicable laws, Mortgage Corporation Network cooperates fully with state, local, and federal officials in any investigation relating to any content (including personal or private electronic communications transmitted to Mortgage Corporation Network) or purported unlawful activities of any user of the Mortgage Corporation Network web site and or services. For the limited purposes of accomplishing such cooperation and measures and in compliance with applicable laws, Mortgage Corporation Network may be required to disclose personally identifiable information as defined lawfully. Mortgage Corporation Network may elect to monitor the areas of communication of any kind to satisfy any law, regulation, or government request; if such disclosure is necessary or appropriate to operate Mortgage Corporation Network; or to protect the rights or property of Mortgage Corporation Network or others. Mortgage Corporation Network has no control over other web sites we may link to, and we take no responsibility for the conduct of these companies. Always read the Terms and Conditions when using other web sites.
This privacy act disclosure and documentation has been drafted with the use of best practice and has been adopted in a spirit of good faith with input from the web site of the privacy act commissioner. Should you wish to know more about privacy please use this link to the web site of the federal privacy act commissioner. Or