This document explains how we collect, use and disclose your personal information in connection with our service. In this document when we use the term “we” or “us” it is a reference to Mansal Capital Finance Pty Limited ABN:92 617 297. We are firmly committed to protecting the privacy and confidentiality of personal information and maintain robust physical, electronic and procedural safeguards to protect personal information in our care.

1.   What is personal information

• Personal information is information or an opinion, in any form (whether true or not) about an individual whose identity is apparent or can reasonably be ascertained from the information or opinion.

2.   How we collect your personal information?

• Generally, the only personal information we collect about you is that which you choose to tell us (including by using our website), or the personal information which we obtain from others (including our service providers who may operate our online shopping cart and payment gateway).
• We may also collect information from a friend or someone who refers our service to you, or through your use of our website.

3.   What personal information do we collect?

• collect personal information which we consider relevant in providing and promoting our products and services to you.
• The type of information we collect includes, your name, email address, telephone number, identification for verification of age (for example passport or driver’s licence), credit card information, your computer’s IP address, photos and billing information (where you purchase something from us).

4.   How do we use the information we collect?

• collect personal information which we consider relevant in providing and promoting our products and services to you.
• The type of information we collect includes, your name, email address, telephone number, identification for verification of age (for example passport or driver’s licence), credit card information, your computer’s IP address, photos and billing information (where you purchase something from us).

5.   How do we use the information we collect?

• Mansal Capital Finance is required to collect, use and disclose your personal information to source and provide the products and services requested by you or on your behalf.
• We may use and disclose your personal information for the purposes for which it was collected, or for a related or ancillary purpose such as any one or more of the following purposes:
  • Identification of fraud or error;
  • Regulatory reporting and compliance;
  • Developing, improving and marketing our products and services;
  • Servicing our relationship with you by, among other things, providing updates on promotions and services we think may interest you;
  • Involving you in market research gauging customer satisfaction and seeking feedback regarding our relationship with you;
  • Internal accounting and administration.

• If you do not provide us with all or part of the personal information we require, it may prevent us from carrying out the things we have stated in clause 4.2.
• If you receive promotional material you may choose to ‘opt out’ of receiving this information, just let us know.

6.   Do we disclose your personal information?

• We will not sell your personal information without your consent, unless we sell our business or website.
• We may choose to disclose your personal information to our contractors, our bank/payment gateway provider, our agents, our related entities, government authorities, law enforcement and any other party who may assist us in providing products and services to you, or in promoting or marketing our services to you, or any party who purchases or seeks to purchase our business (or any part of it including a website).
• Mansal Capital Finance is required to collect, use and disclose your personal information to source and provide the products and services requested by you or on your behalf.
• Unless you tell us not to, we may disclose your personal information to the following types of organisations:

• Banks and other financial institutions;
• Mortgage insurers and valuers (LMIs);
  We may exchange personal and credit information with the LMIs listed below. The LMIs may exchange your personal and credit information with third parties including the CRBs listed below, and the other entities that we can exchange information with. The LMIs hold, use and disclose your personal information and credit information for the purposes of assessing whether to provide insurance to us, including to assess the risk of you defaulting or the risk of a guarantor being unable to meet their liability, managing the insurance, and verifying personal information provided by us or any purpose under the insurance contract. If you don’t provide personal information to the credit provider, it will not be possible for the LMIs to process the credit provider’s request for LMI.

• Related corporations;
  Other organisations which assist us (such as lawyers, accountants, financial planners);

• Organisations with whom we have alliances and arrangements and any agents used by us in administering such an alliance or arrangement; and
• Any other organisation that may wish to, or has acquired, an interest in your loan, or in our financial business.
• Consumer and commercial credit information
  We may exchange your commercial and consumer credit information with entities listed below to assess an application for consumer or commercial credit and manage that credit. In particular, we can obtain credit information about you from a credit reporting body providing both consumer and commercial credit information.

• Exchange information with credit providers
  We may exchange your personal and credit information with other credit providers for the purposes of assessing your creditworthiness, credit standing, and credit history or credit capacity.

• Exchange information with guarantors
  We and the lenders mortgage insurers listed below may exchange your personal and credit information with any person who proposes to guarantee or has guaranteed repayment of any credit provided to you.

• By signing this document, you agree that we may collect and use your personal information as specified above.
• By signing this document you agree to its terms. It forms a legal contract between us.
  If you have any questions, ask before you sign.

• Other than the above, we will not disclose your personal information without your consent unless disclosure is either necessary to prevent a threat to life or health, authorised or required by law, reasonably necessary to enforce the law or necessary to investigate a suspected unlawful activity. Accordingly, we may choose to disclose your personal information to law enforcement and government authorities at our discretion.

7.   Trans Border Data Flows

• In providing our services to you it may be necessary for us to forward personal information to relevant overseas third-party service providers. Please let us know if you have any objections to such transfers

8.   How do we safeguard your personal information?

• We store your information in electronic form but may also keep information in paper form.
• We take all reasonable precautions to protect these records from misuse or unauthorised access by using physical, electronic and procedural safeguards.
• It is our practice to destroy, delete or de-identify your personal information when it is no longer needed, but we must keep your files for the period required by law, after which time they may be destroyed.

9.   How can you access information and ensure its accuracy?

• When you provide us (or other third parties) with personal information, we assume that it is correct unless you tell us otherwise.
• Unless we know that personal information is incorrect, we cannot correct it. You can assist us, by telling us when the information we hold has changed and is no longer accurate.
• If you wish to access the personal information we hold about you, you can do so by making a request to us.

10.  Changes to our Policy

• From time to time it may be necessary for us to review and revise this Policy. We reserve the right to change our Policy at any time, should this occur the amendment would be posted on our website.

11.  Feedback and complaints

• You can contact us by email via our contact us page on our website mansalcapfin.com.au or by mail at Level 2, No 1 Collins St  Melbourne Victoria 3000.