Privacy Policy

This privacy notice and consent relates to this application (this application) you make
to a mortgage manager for a loan (your loan) or in which you offered to guarantee
the applicant’s loan obligations. It includes consents from you to disclose certain
information to other organisations described below. Your loan may be consumer
credit or commercial credit.
The mortgage manager will submit this application to a lender or the lender’s loan
servicer to consider. If the lender or its loan servicer approves this application, it may
seek lender’s mortgage insurance (LMI) cover from a lenders mortgage insurer or title
insurance cover from a title insurer or both in relation to your loan.
In this privacy notice and consent, “credit eligibility information” means information
an organisation described below obtained from a credit reporting body or that is
based on information obtained from a credit reporting body.

 

PRIVACY NOTICE
This privacy notice tells you how certain organisations collect information about you,
what they use the information for and who they share the information with. If any of
those organisations collect information that can be used to identify you, it will take
reasonable steps to notify you of that collection.

Organisations that collect information about you
This privacy notice and consent covers the following organisations that may collect
information about you relating to this application or your loan or a guarantee of the
loan:
• the mortgage manager (the mortgage manager) through whom you made this
application or that manages your loan. That mortgage manager is Crown Lending
Pty Ltd ACN 119 504 862;
• the lender to whom you make this application or that makes your loan available.
That lender is either Perpetual Trustees Victoria Limited ACN 004 027 258 or AFSH
Nominees Pty Ltd ACN 143 937 437 or Origin Mortgage Management Service Pty
Ltd ABN 51 119 531 252 (each a lender);
• the loan servicer (the loan servicer) that considers this application or administers
your loan for the lender. That loan servicer is either Advantedge Financial Services
Pty Ltd ACN 130 012 930 or Origin Mortgage Management Service Pty Ltd ABN 51
119 531 252;
• the LMI insurer that considers a lender’s request for LMI cover relating to this
application or that gives LMI cover to the lender for your loan. That LMI insurer is
either QBE Lenders Mortgage Insurance Ltd (QBE) ACN 000 511 071 or Genworth
Financial Mortgage Insurance Pty Ltd (Genworth) ACN 106 974 305 (each an LMI
insurer); and
• the title insurer (the title insurer), that considers a lender’s request for title
insurance cover relating to this application or that gives title insurance cover to the
lender for your loan, and its related entity: the title insurer is First American Title
Insurance Company of Australia Pty Limited (First Title) ACN 075 279 908 and its
related entity is First Mortgage Services Pty Ltd (FMS) ACN 110 202 429.

Each of those organisations is described below separately as “we” and “us”. The LMI
insurers and the title insurer are described together below as “insurers”.

How information is collected from you
We will collect information about you from you directly whenever we can. Most
information will be collected from this application and from the records we maintain
about the products or services you receive from us. We may verify that information
from sources referred to in this application or in this privacy notice and consent.

Sometimes an LMI insurer may also collect further personal information about you
during the course of the LMI cover provided to the lender for your loan. The terms
of this notice and the LMI insurer’s Privacy Policy will apply to the collection, use and
disclosure of that information.

How information is collected from other sources
Sometimes we will collect information about you from other sources as the Privacy
Act 1988 permits. We will do this only if it’s reasonably necessary to do so, for
example, where:
• we obtain information (including commercial credit information concerning your
credit worthiness or history, consumer information and collection of overdue
payments information) from a credit reporting body for any purpose described
below;
• we obtain information about your loan or a guarantee of the loan from another
organisation described above;
• we can’t get hold of you and we rely on publicly available information to update
your contact details;
• we check property, you offer as security, through public registers or its service
providers; or
• we exchange information with your legal or financial advisers or other
representatives.

When the law authorises or requires collection of information there are laws that
affect organisations that may require us to collect personal information about you.
For example, we may require information about you to verify your identity under
Australian Anti-Money Laundering law.

How your information may be used
A lender, the loan servicer or the mortgage manager may use information about you
for purposes including:
• giving you information about loan products or related services;
• considering whether you are eligible for a loan or any related service you
requested;
• processing this application and providing you with a loan or related service;
• administering your loan or any related service, for example, to answer requests or
deal with complaints;
• identifying you;
• telling you about other products or services it or its related companies make
available and that may be of interest to you, unless you tell them not to;
• allowing it to run its business efficiently and to perform administrative and
operational tasks;
• preventing or investigating any fraud or crime or any suspected fraud or crime;
• as required by law, regulation or codes binding it; and
• any purpose to which you have consented.

You can let the lender, loan servicer or the mortgage manager know at any time if you
no longer wish to receive direct marketing offers from them. They will process your
request as soon as practicable.

Also, a lender, the loan servicer or the mortgage manager may use credit
information about you to:
• enable an insurer to assess the risk of providing insurance to the lender or to
address the lender’s arrangements with the insurer;
• assess whether to accept a guarantor or the risk of a guarantor being unable tomeet their obligations;
• consider hardship requests; and
• assess whether to securitise loans and to arrange securitising loans the lender
makes.

An LMI insurer may use information about you:
• to decide whether to insure a lender under an LMI policy;
• to assess the risk of you or a guarantor defaulting on your obligations to a lender;
• to administer and vary the insurance cover including for securitisation and
hardship applications;
• to verify information that the LMI insurer collects about you;
• to deal with claims and recovery of proceeds including, among other things, to
enforce a loan or a guarantee in place of a lender if the LMI insurer pays out an
insurance claim on your loan or the loan you guarantee;
• to conduct risk assessment and management involving credit scoring, portfolio
analysis, reporting and fraud prevention;
• to comply with legislative and regulatory requirements including requirements
under the Privacy Act 1988 and Insurance Contracts Act 1984 as amended from
time to time;
• for a mortgage insurance purpose relating to you; and
• for any other purpose under the insurance policy the LMI insurer issues to the
lender relating to your loan.

The title insurer or its related entities may use information about you:
• to assess the risk of providing title insurance to the lender;
• for the subsequent administration or variation of the title insurance policy;
• for risk assessment, reporting, fraud prevention, enforcement and claim recovery
activities;
• to discharge your existing mortgage over the security property and register your
new mortgage over the security property where a refinance is taking place;
• to deal with claims and to enforce a loan or a guarantee in place of a lender if the
title insurer pays out an insurance claim on your loan or the loan you guarantee;
• for a title insurance purpose relating to you;
• to comply with legislative and regulatory requirements; and
• for any other purpose under the contract between a lender and the title insurer.

What happens if you don’t provide information
If you don’t provide your information to us, it may not be possible:
• to provide you with the product or service you want. For example, if information
is not disclosed to an insurer, it may not be able to process a lender’s request for
insurance. In that case, the lender may not be able to assess this application;
• for the lender, loan servicer or a mortgage manager to manage or administer the
loan the lender makes to you;
• verify your identity or protect against fraud; or
• in the case of the lender, loan servicer or mortgage manager, to let you know
about other products or services that might be suitable for your financial needs.

Sharing Your Information
Sharing with other organisations
We use and share information about you with other organisations described above for
the purposes described above.

Sharing with related companies
We may share information about you with our related companies for the purposes
described above.

Sharing with your representatives and referees
We may share information about you with:
• your representative or any person acting on your behalf (for example, lawyers,
settlement agents, accountants, brokers or real estate agents); and
• your referees, such as your employer, to confirm details about you.

Sharing with credit reporting bodies
We may disclose information about you to a credit reporting body in relation to this
application or your loan or your guarantee, including overdue payments. A credit
reporting body may include information about you in reports that it gives other
organisations (like other lenders) to help them assess your credit worthiness.
Some of that information may reflect adversely on your credit worthiness, for
example, if you fail to make payments or if you commit a serious credit infringement
(like obtaining credit by fraud). That sort of information may affect your ability to get
credit from other lenders.

Sharing with third parties
We may disclose information about you to third parties, in relation to: considering
this application; administering your loan; exercising rights relating to your loan;
exercising rights relating to your guarantee; or any insurance policy an insurer issues
to the lender relating to your loan or the loan you guarantee. Those third parties may
include:
• valuers, other insurers, re-insurers, claim assessors and investigators;
• brokers or referrers that submitted applications on your behalf or referred you to
the mortgage manager;
• other financial institutions, like banks;
• organisations that are involved in debt collecting or in purchasing debts;
• organisations, like fraud reporting agencies, that may identify, investigate and/
or prevent fraud, suspected fraud, crimes, suspected crimes, or other serious
misconduct;
• organisations involved in surveying or registering a security property or which
otherwise have an interest in a security property;
• government or regulatory bodies (including ASIC and the Australian Tax Office) as
required or authorised by law. In some instances, these bodies may share the
information with relevant foreign authorities;
• rating agencies to the extent necessary to allow the rating agency to rate particular
investments;
• organisations involved in securitising your loan, including re-insurers and
underwriters, loan servicers, trust managers, trustees and security trustees;
• guarantors and prospective guarantors of your loan;
• the borrowers or the prospective borrowers of the loan you guarantee;
• any organisation that wishes to take an interest in our business or assets;
• payment system operators to allow us to investigate or correct payments on your
loan; and
• service providers (including data consultants and IT contractors), agents,
contractors and advisers that assist us to conduct our business.

Also, a lender or the loan servicer may disclose information about you, in relation to
other services relating to your loan or your guarantee or its loan products, to others
including:
• organisations that maintain, review and develop a lender’s or the loan servicer’s
business systems, procedures and technology infrastructure;
• organisations that produce cards, cheque books or statements for a lender in
relation to your loan or the loan you guarantee;
• organisations that assist a lender or the loan servicer with product planning,
research and development; and
• mailing houses and telemarketing agencies that assist a lender or the loan servicer
to communicate with you.

Sharing outside of Australia
QBE may disclose information about you to related companies situated in the
Philippines.
Genworth may disclose information about you to related companies situated in the
USA, Canada or the United Kingdom.
The title insurer or its related entities may disclose information about you to related
companies situated in the USA, Malaysia or India.
We may store information about you in cloud or other types of networked or
electronic storage. As electronic or networked storage can be accessed from various
countries via an internet connection, it’s not always practicable to know in which
country information about you may be held.
Overseas organisations may be required to disclose information shared with them
under a foreign law. In those instances, the organisation, described above, that
disclosed the information to the overseas organisation will not be responsible for that
disclosure.
Each lender, loan servicer and mortgage manager:
• will only share any credit information about you with a credit reporting body if
that body has a business operation in Australia; and
• is unlikely to share credit eligibility information with organisations that do not
have business operations in Australia.

Accessing your Information
You can ask us to access information that it holds about you. You have special rights
to access credit eligibility information. You can find out how to access information
about you (including credit eligibility information) by reading our Privacy Policy,
available by contacting us. Please see our contact details in the schedule.

Correcting your Information
You can ask us to correct information we hold about you. You have special rights to
correct credit information about you. You can find out how to correct information
about you (including credit information) by reading our Privacy Policy, available by
contacting us. Please see our contact details in the schedule.

Complaints
If you have a complaint against us about a privacy issue, please tell us about it. You
can find out how to make a complaint (including special rights for credit information
complaints) and how we will deal with a complaint, by reading our Privacy Policy,
available by contacting us. Please see our contact details in the schedule.

Privacy Policy
You can find out more about how we manage information about you by reading
our Privacy Policy available by contacting us. Please see our contact details in the
schedule. Also, you can read and obtain a copy of that policy at our website address
set out in the schedule.

Consent
By signing this form, you consent to:
• us obtaining information about you from a credit reporting body:
• to assess your application for consumer credit or commercial credit or to collect
any payment that is overdue in relation to your loan; and/or
• to assess whether to accept you as a guarantor of the loan;
• us exchanging information about you with other credit providers to: assess this
application; assess whether to accept you as a guarantor; assist you to avoid
defaulting on your loan or your guarantee; notify other credit providers of a
default by you; or assess your credit worthiness. This information may include
credit eligibility information;
• if you are a joint applicant under this application or become a joint borrower
under your loan, us exchanging information about you with your joint applicants
or joint borrowers to process this application and to administer your loan;
• us disclosing information (including credit eligibility information to potential
guarantors) about you to a potential or existing guarantor (or their legal
representative) but only to assist them to consider whether to act as a guarantor
or to offer property as security or to inform them about:
• this application and details of the obligations guaranteed or proposed to be
guaranteed;
• your credit worthiness, credit capacity or credit history; and
• any other matter we decide is relevant to a potential guarantor or guarantor;
• if a lender, the loan servicer or mortgage manager requests an insurer for LMI
insurance or title insurance for the loan for which you applied, the lender, the loan
servicer or the mortgage manager disclosing to that insurer information about you
for any purpose in connection with that insurance;
• us checking the details of the information you gave in this application. They may
contact any person you named in this application for that purpose. If you give us
an identity document (for example, your passport or driver’s licence) in connection
with this application, we may contact the authority that issued the document to
verify the status of and any information contained in the document;
• us exchanging information (including credit eligibility information) about you with
any person acting on your behalf (like a broker or a referrer) relating to processing
this application and establishing and managing your loan or your guarantee;
• us exchanging information about you with our relevant service providers (including
any service provider located outside Australia) including information that we
collect from you as an agent of a state or territory government in relation to a First
Home Owner Grant application you make. For more information, please see the
privacy notice above and our privacy policy, available by contacting us. Please see
the contact details in the schedule;
• a lender or the loan servicer disclosing your credit eligibility information to other
organisations participating in securitising the lender’s loans, but only for purposes
relating to those arrangements including to enable those other organisations to
exercise rights they have under securitisation arrangements to review loan files;
and
• us using the information in this application to better understand and/or manage
your relationship with us.

Information about other people
If you give information about another person (like your employer, spouse, referee or
solicitor) in relation to this application or a loan you get from the lender to us, you will
let that other person know that:
• we have collected their information to assess this application, to manage any
loan you get from a lender and for any other purpose set out in the privacy notice
above;
• we may exchange this information with other organisations set out in that privacy
notice;
• we handle their personal information in the way set out in our Privacy Policy and
that privacy notice and they can:
• – access or request a copy of that privacy policy or privacy notice; or
• – access the information we hold about them,
• by using the contact details for us in the schedule; and
• you may not be able to get credit from the lender or we may not accept your
application to act as a guarantor of a loan unless we obtain their information.

More about the credit reporting body we use
Contact details
We may give information about you to one or more credit reporting bodies in relation
to this application or your loan. Currently, we deal with Veda Advantage Business
Information Services Ltd (Veda). Veda’s contact details are in the schedule. Veda has
a credit reporting policy about how it handles information about you. You can obtain
copies of that policy at Veda’s website set out in the schedule.
If you think you have been the victim of a fraud
If you believe that you have been or are likely to be the victim of fraud (including
identity fraud), you can request a credit reporting body not to use or disclose the
information they hold about you.
If you don’t want your information used by them for direct marketing/pre screening
purposes
You can ask a credit reporting body not to use information about you to undertake
pre-screening assessments of individuals to determine whether those individuals are
eligible to receive direct marketing from a particular credit provider. Please contact the
credit reporting body, if you want to ensure that the credit reporting body does
not use information about you for pre-screening assessments.

SCHEDULE

Lenders
Perpetual Trustees Victoria Limited ACN 004 027 258
Level 12, 123 Pitt Street, Sydney, NSW 2000.
Tel: 02 9229 9000
Web: www.perpetual.com.au
Its privacy policy is set out at http://www.perpetual.com.au/privacy-policy.aspx

Origin Mortgage Management Services Pty Ltd ACN 601 349 071, on behalf of
Columbus Capital Pty Limited ACN 119 531 252
Australian Credit Licence 337303
Tel: 1300 553 334
Web: www.originmms.com.au
Perpetual Corporate Trust Limited ACN 000 341 533: www.perpetual.com.au/privacypolicy.
aspx

AFSH Nominees Pty Ltd ACN 143 937 437
Level 10, 101 Collins St, Melbourne VIC 3000
Tel: 03 8616 1600
Web: www.advantedge.com.au
Its privacy policy is set out at www.advantedge.com.au/privacy

Loan Servicers
Advantedge Financial Services Pty Ltd ACN 130 012 930
Level 10, 101 Collins St, Melbourne VIC 3000
Tel: 03 8616 1600
Web: www.advantedge.com.au
Its privacy policy is set out at www.advantedge.com.au/privacy

Origin Mortgage Management Services Pty Ltd ACN 601 349 071, on behalf of
Columbus Capital Pty Limited ACN 119 531 252
Australian Credit Licence 337303
Web: www.originmms.com.au
Perpetual Corporate Trust Limited ACN 000 341 533: www.perpetual.com.au/privacypolicy.
aspx

Mortgage Manager
Crown Lending Pty Ltd
Level 9, 390 St Kilda Road, Melbourne VIC 3004
Tel: 1300 882 981
Web: www.crownmoneymanagement.com.au

Insurers
QBE Lenders Mortgage Insurance Ltd ACN 000 511 071
Level 21, 50 Bridge St, Sydney NSW 2000
Tel: 1300 367 764
Web: www.qbelmi.com
Its privacy policy is set out at http://www.qbelmi.com/pg-QBE-Privacy-Policy-
Statement.seo.

Genworth Financial Mortgage Insurance Pty Ltd ACN 106 974 305
Level 26, 101 Miller St, North Sydney NSW 2060
Tel: 1300 655 422
Web: www.genworth.com.au
Its privacy policy is set out at http://www.genworth.com.au/privacy-policy

First American Title Insurance Company of Australia Pty Ltd ACN 075 279 908
Level 10, 309 George Street, Sydney NSW 2000
Telephone 1300 362 178
Web: www.firsttitle.com.au
Its privacy policy is set out at http://www.firsttitle.com.au/property-owners/copyrightcopy-
first-title-privacy-policy

Credit Reporting Body
Veda Advantage Business Information Services Ltd
Online: www.mycreditfile.com.au
Veda Advantage’s credit reporting policy is set out at http://www.veda.com.au/privacy
Mail: Attention: Public Access Division Veda Advantage PO Box 966 North Sydney
NSW 2059.

*Comparison rates are calculated on the basis of secured credit of $150,000 over a 25 year term. Please note this comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.