privacy policy
Collection notice for privacy purposes & consent
Lionskey Holdings Pty Ltd Credit Representatives are appointed under BUYERS CHOICE LICENSING PTY LTD Australian Credit Licence 509484.
Lionskey Holdings Pty Ltd ABN 90 642 238 640 and BUYERS CHOICE LICENCING PTY LTD ABN 88 625 172 281 Australian Credit Licence 50543 Level 5,278 Collins Street Melbourne VIC 3000 [we,us,our] we are collecting personal information about you and this may include sensitive Information (such as heath Information).
A complete copy of our privacy policy can be found at https://lmg.broker/consumer-privacy.
4. We may exchange personal information with the following types of entitles, some of which may be located overseas our employees franchisor, related bodies corporate, contractors or service providers for the purposes of operation of our website or our business fulfilling requests by you, and to otherwise provide products and services to you induding, without limitation, web hosting providers, IT systems administrators, couriers, payment processors, data entry service providers, electronic network administrators;
Persons who provide finance or other products to you, or to whom an application has been made for those products; financial consultants, accountants, lawyers and advisers;
Any industry body, tribunal, court or otherwise in connection with any complaint regarding our services;
Any person where we are required by law to do so;
Any of our associates, related entities or contractors;
Your referees, such as your employer, to verify information you have provided;
Any person considering acquiring an interest in our business or assets;
Any organisation providing online verification of your identity; or
Any person or organisation for any authorised purpose with your express consent
5. You may gain access to the personal information that we hold about you by contacting us. A copy of our privacy policy can be obtained at https://lmg.broker/consumer-privacy or by contacting us on 0420 207 744. Our privacy policy contains information about how you may access or seek correction of the information we hold about you, how we manage that information and our complaints process.
Do we disclose your personal information to anyone outside Australia?
Consent to give notices electronically
You consent to us sending you notices and other documents in connection with your doing dealings with us by email. You understand that upon giving this consent:
a. We will either make all notes and other documents available for a reasonable period of time on our website for retrieval by you or we will send you notices and other documents by e-mail.
b. If the information is displayed on our website we will promptly send you an e mail to your nominated e mail address notifying you that Information is available for real retrieval from our website and notify you of the nature of that information;
c. We will not send paper copies of notices and other documents;
d. You must regularly check your named e-mail address for notices; and
e. You may withdraw your consents to the giving of notices and other documents electronically at any time.
f. You have facilities to enable you to readily print notices of other documents retrieved from our website if you desire.
Electronic Signature Consent
For the purposes of all dealings with us;
- I consent to the use of an electronic signature system for the execution of any documents; and
- I confirm I am the person named in the document where I indicate I am signing, I approve of the information communicated and I accept this method as reliable in the circumstances for communicating this type of information.
By clicking ‘ agree’ you agree to us collecting, holding, using and disclosing personal information about you in accordance with our Privacy Policy.
By signing this document you agree to us collecting, holding, using and disclosing personal information about you in accordance with our Privacy Policy.
Approval to proceed Terms, disclaimers, and acknowledgements
This document includes a recommendation for a lender and a specific product
This document includes a recommendation for a lender and a specific product.
When providing credit assistance, I must act in your best interests (Best Interests Duty). This means that any products I recommend to you must be in your best interests, and the reasons for these recommendations will be recorded and explained to you.
In order to ensure your best interests have been met, I will assess what product(s) and what credit assistance will be in your best interests. To do this, I need to:
- Gather information about you and your situation;
- Use this information to assess what credit assistance (if any) is in your best interests; and
- Depending on this individual assessment, make a recommendation to you.
This recommendation will include information about why this is in your best interests and how it is aligned to your needs and objectives.
In addition, we also have the following obligations:
- To satisfy the responsible lending obligations and assess the products as NOT UNSUITABLE for you and that you can comply with the credit obligations without substantial hardship;
- In the case of actual, potential, or perceived conflicts of interest, to prioritise your interests ahead of the licensee and broker in all circumstances; and
- Any products recommended to you will align to your specific goals and objectives.
This document includes information about why this is in your best interests and makes a recommendation to you which aligns with your specific goals and objectives.
Design and Distribution Obligations
Design and distribution obligations are intended to help consumers obtain financial products that are appropriate for them. Each product must have a Target Market Determination (TMD), which specifies the product issuer’s distribution conditions, including who the target market of the product is. For more information, or to see the TMD for the recommended product, please ask me.
It also represents the completion of my interaction with you and draws upon my discussions with you, the analysis of your financial circumstances, the research across a range of products, and the consideration of what is important to you.
Note: This document is valid for 90 days from the signature date. Information on loan products is supplied by lenders and is subject to frequent changes (i.e., as interest rates change). Any material changes will be raised with you and may result in a revised document.
The Information You Have Provided to Your Mortgage Broker
By clicking the button below, you confirm that the information you provided is accurately represented in this document and, to the best of your knowledge, there are no omissions or inaccuracies.
The information used in this document has been recorded and used in accordance with information provided by you. You should check the information in your document for any inaccuracies and/or omissions (including any foreseeable changes) which may impact on your ability to meet loan repayments in the future and advise me immediately, as this may alter the assessment and recommendation.
Agreeing to This Recommendation Instructs Me to Apply for the Loan
By clicking the button below, you are instructing me to proceed to lodge a loan with the recommended lender and product.
Some important things to note as I move forward to lodging a loan application:
- I will assist you to verify the payout costs with your current lender when refinancing an existing credit contract.
- I represent you and have obligations to the lenders. This means I must not provide any information that they or you know is misleading or deceptive. I also have obligations under the law to report any fraud, forgery, or other illegal activities. By clicking the button below, you confirm that you understand that I have these obligations to the lender and under the law. If you have any questions about my role, please ask.
- A loan is a credit contract with the lender. You should read the details carefully before signing, checking that it matches your requirements.
I do not provide legal and/or financial advice unless specified in a separate contract. Accordingly, it is important you ensure you understand your legal obligations under the loan and the financial consequences. If you have any doubts, you should obtain independent legal and financial advice. I do not determine or recommend the conditions of the credit contract (such as interest rates, fees, or the term of the loan).
I confirm the process to produce and lodge the loan application will be commenced immediately following your confirmation. This will include the provision of information that you have provided to me and that I have collated, information obtained in accordance with your consent from external parties (i.e., credit history, financial statements, contracts of sale, and any other related or lender-requested documentation).