The information contained in this website is of a general nature and does not take in to account your personal needs and requirements. The figures shown in the calculators do not constitute an offer for finance. Lender policy and conditions, fees and charges will apply.
The information provided by the calculator is intended to provide illustrative examples based on the stated assumptions of your input. Results are a guide only and do not constitute financial advice or a guarantee of an outcome. You should always discuss your individual circumstances with a representative of The Finance Stand.
At The Finance Stand, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.
WHAT INFORMATION DO WE COLLECT AND HOW DO WE USE IT?
We will ask you for personal information when we assist you with your finance. Personal information may include any sensitive information (including health information) and may include any information you tell us about any vulnerability you may have. We use the information you provide to advise about and assist with your credit needs. We only provide your information to the companies with whom you choose to deal (and their representatives).We also use your information to send you requested product information and to enable us to manage your ongoing relationship with us e.g. invoicing, client surveys etc. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.We may occasionally notify you about promotions, new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post. If you would rather not receive this information, email or write to us.We may also use your information internally to help us improve our services and help resolve any problems.
WHAT IF YOU DON’T PROVIDE SOME INFORMATION TO US?
If you don’t provide us with full information about your personal and financial circumstances, we can’t properly advise or assist you with your credit needs.
HOW DO WE HOLD AND PROTECT YOUR INFORMATION?
We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected, or to comply with any applicable legal or ethical reporting or document retention requirements.We hold the information we collect from you on secured cloud servers through third party providers (sync.com) and aggregator software.We ensure that your information is safe by ensuring 2 factor authentication and password protected where necessary.
WILL WE DISCLOSE THE INFORMATION WE COLLECT TO ANYONE?
We do not sell, trade, or rent your personal information to others.We may need to provide your information to our credit licensee e.g. for administration and supervision activities, contractors who supply services to us e.g. to handle mailings on our behalf, or to other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event. However, we will do our best to ensure that these parties protect your information in the same way that we do.We may also provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.
HOW CAN YOU CHECK, UPDATE OR CHANGE THE INFORMATION WE ARE HOLDING?
Upon receipt of your written request and enough detail to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.If you wish to access or correct your personal information please write to compliance manager at privacy@thefinancestand.com.au.
We do not charge for receiving a request for access to personal information or for complying with a correction request.
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.
TELL US WHAT YOU THINK
We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact our compliance manager at privacy@thefinanacestand.com.au
COMPLAINTS
Internal Dispute ResolutionIf you do have a complaint, please let us know by email, because if we don’t know about it we can’t fix it! You may also contact us by email addressed to:The Complaints Officer at resolve@thefinancestand.com.au, please make sure you include as much information as you can. You should explain the details of your complaint as clearly as you can. You must do this in writing. When we receive a complaint, we will attempt to resolve it promptly.
OUR INTERNAL DISPUTE RESOLUTION (IDR) SCHEME
We are committed to providing you with the best possibleservice. If at any time we have not met our obligations or you have a complaintabout the service that we provide, please inform us so we can work towards aresolution. We will endeavour to deal with your complaint promptly, thoroughlyand fairly. If you have a complaint, the following steps are available to you.
In the first instance, please contact Kheng Tu.
We will acknowledge receipt of your complaint within 1business day. If I am unable to resolve the complaint to your satisfactionwithin 5 business days, we will escalate the complaint to the Complaints Officer.
You can also contact the Complaints Officer directly asdetailed below:
COMPLAINTS OFFICER
Name Mark Norman
Address 325 Churchill Ave, Subiaco WA 6008, Australia
Phone Number 08 9286 6888
Email compliance@spfgroup.com.au
Within 30 calendar days from the date, you lodged thecomplaint with us, we will write to you advising you the outcome of theinvestigation and the reason/s for our decision, or if required, we will informyou if more time is needed to complete the investigation.
OUR EXTERNAL DISPUTE RESOLUTION (EDR) SCHEME
If you do not think we have resolved your complaint to yoursatisfaction, or you have not heard from us within 30 calendar days, you mayrefer the matter to the EDR scheme, the Australian Financial ComplaintsAuthority (AFCA)
You may also refer the matter to an EDR scheme at any time,but if our IDR process is in still in progress, they may request that our IDRprocesses be complete before considering the matter further.
The Australian Securities & Investment Commission (ASIC)EDR process is available to you, at no cost at the contact details below:
Australian Financial Complaints Authority (AFCA)
Email info@afca.org.au
Phone Number 1800 931 678
Address GPO Box 3, Melbourne VIC 3001, Australia
My Licensee AFCA details
Mortgage Specialist Pty Ltd
AFCA Member Number 42176
