Website Policy
This website policy includes a website that allows consumers to fill in questionnaires, forms and
surveys, loan applications, subscription services and online expert chat.
Disclaimer
The information provided on this site is on the understanding that it is for illustrative and discussion purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its content or otherwise should make their own enquiries and research to ensure its relevance to your specific personal and business requirements and circumstances. Terms, conditions, fees and charges may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.
About this Website Policy
This website policy applies to this website, which is operated on behalf of MVP Loan Solutions ABN 24 901 812 218 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 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 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 itwill 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 (Third
Party websites). 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 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; and
- 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 (eg 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 websites 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; and
- 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.
You can also suspend and save online applications, so you can complete and send the applications
at a later time. If you suspend or save your application, the information that you have entered will be
retained in our systems so that you may recover the information when you resume your application.
Online applications that have been suspended or saved may be viewed by us.
Security of information
The security of your 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 may use your personal information for direct marketing purposes. 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. 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.
Please contact us on 0401771241 if you would like further information.
What to do if you have a dispute or complaint?
We hope you are delighted with our services, but if you have a complaint please let us know so we can work towards resolving it promptly and fairly.
You can make a complaint verbally or in writing by contacting your broker directly or by using any of the following:
● Email: resolutions@lmg.broker
● Phone: 1800 275 564 (toll free) Monday to Friday 8am to 7pm (AEST)
● Mail: Resolutions, Level 28 35 Collins Street Melbourne VIC 3000
When we receive a complaint, we will attempt to resolve it promptly. We will provide a written acknowledgement of receipt of the complaint to the client within 24 hours (1 business day) or as soon as practicable unless the complaint is otherwise resolved in the meantime.
We will ensure that a final response is given to you as soon as possible, but within thirty (30) days of receipt of the complaint. For certain types of complaints, involving “default notices” or urgent disputes such as “applications for hardship”, a final response must be provided within twenty one (21) days.
If we are unable to deal with the complaint as it relates to a third party (for example, a lender), we may ask you to contact the relevant third party.
In cases where your complaint will take longer than 30 days to resolve, we will notify you in writing with the reasons for the delay and of your right to refer the complaint to the Australian Financial Complaints Authority (AFCA).
External Dispute Resolution Scheme
If we do not reach an agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme. Our external dispute resolution provider is the Australian Financial Complaints Authority(AFCA).
You can contact AFCA using any of the following:
● Online: www.afca.org.au
● Email: info@afca.org.au
● Telephone: 1800 931 678 (toll free)
● Mail: GPO Box 3, Melbourne Vic 3001
External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints. You may refer the matter to AFCA at any time, but if our internal process is still in progress, they may request that our internal processes be completed before considering the matter further.
You can obtain further details about our dispute resolution procedures and obtain details of our privacy policy on request.