At HSUCU, your right to privacy has always been important to us. We have only held information essential to providing you with products and services you require or to assess an application by you for these products and services. With the commencement of the new privacy laws, when you apply for membership with SGE our application forms will include notices about privacy and requests for consent. Each application form will specify how any information about you may be used and disclosed.
What information does HSUCU hold?
If you have a:
· Savings Account, we are required by law to collect some information about you, such as account and signatory information under the Financial Transaction Reports Act. Also information on others nominated by you to operate on your account may be required.
· A loan account and credit card account, we withhold the same information detailed above. In addition we may collect information from other services providers such as credit report and valuers reports about any properties which secure your loan.
The Credit Union will keep records of all account transactions, including debits and credits. During the course of your relationship with the Credit Union we may gather information about you relating to other products or services that the Credit Union or our preferred suppliers provide to you. Your personal information is stored with an emphasis on security and privacy protection. If you choose not to provide personal information, we may not be able to provide you with the services you require, or the level of service which we pride ourselves on.
How may HSUCU use this information?
We may use your personal information to:
· Help process your application for any new products or services
· Efficiently manage and administer all products and services we provide to you.
· Ensure our internal business administration is operating effectively and ensuring all legal requirements are being met, (for example, disclosure to law enforcement agencies or the courts).
· We may use your information to offer you products and services that we believe meet your needs.
What rights does HSUCU have to disclose personal information?
We may disclose your personal information to:
· Third party suppliers to conduct specialised activities consistent with other financial service organisations,
· Our external service providers, such as VISA and Redicard suppliers, lending mortgagors insurers, mailing houses, valuers, surveyors, auctioneers and real estate agents, Internet service providers, core banking system suppliers. These organisations act as our agents and are limited in their use of your information to the purpose of our business only.
· Government agencies in connection with your loan, such as stamping and registration of mortgages.
· Any other person who has an interest in any property offered by you as security for a loan.
· Anyone acting on your behalf such as your solicitor, accountant or broker - unless you tell us not to conduct further business with such person, or any other financial institution nominated by you (for example a direct debit or credit payment) or anyone else you may nominate.
· We will disclose such information if we are required to do so by law or if the law allows us to do so or if you provide consent for us to do so.
Your Authority
By continuing to make transactions on your account, you consent to HSU Members Credit Union maintaining, using and disclosing your personal information as set out in this document.
Your Rights
= Request access to your personal information
= Request a change to your personal information if you believe such information is incorrect or out of date.
= Request more information about how we manage your personal information.
Your rights to Opt Out
Notwithstanding anything else in this statement, you may, at any time, advise us that you do not wish to receive any direct marketing communication. You may do this by phoning our contact centre, visiting one of our branches or logging on to the privacy section at www.hsucu.com.au. The opt out request will apply to all direct marketing material normally sent to you, except the Credit Union's Newsletters which will contain prescribed notices of meetings and notices of changes in products or services which are required by law.
We may charge a fee for the reasonable cost of processing your request referred to above.
If you have any further questions about this privacy statement, please call us on
Ph: 1300 304 932
Web Privacy
HSU Members Credit Union has developed this privacy and security statement in order to demonstrate our commitment to privacy. This statement explains how your personal information will be treated by us when you use our website. Please ensure that you read the statement carefully and understand the purposes for which information provided to the Credit Union will be used. The use of this website by you indicates an acceptance of, and agreement, to be bound by the statement. If you do not agree with this statement please do not use this website. The Credit Union reserves the right to make changes to this website and to this statement at any time. Any such modifications will become effective upon the date they are first posted to the website.
Information Collected
Your visit to our website is anonymous however when you access our on-line banking site our server attaches a small data file, called a cookie, to your hard drive for our record keeping purposes. We do not store any information inside cookies. Cookies are a feature of most websites. Most web browsers are set to accept cookies, but may be set to refuse them. We use cookies to provide us with aggregate and anonymous information on how people use the website and what they find interesting and useful on it. We do not link this information back to any information you have given us.
As most websites do, we track usage patterns on an anonymous and aggregate basis. Your identity cannot reasonably be ascertained from this information. Each time you access the on-line banking site, a web server records your visit, and information that includes your internet provider's address, the date and time of your visit, the pages accessed and documents downloaded and any search items entered.
If you visit the website to download a form such as, for example a loan application form and then fax or email it to us, we will only record the information you give us, including your email address. Therefore, your use of the facilities and information available on the website will determine the type and amount of personal information we collect about you.
Use and Disclosure of Personal Information
We will only record your email address if you send us a message or have supplied us with the details. It will only be used for the purpose for which you have provided it. We will only use or disclose personal information that you have provided to us when:
· You have authorised us to do so;
· We have given you notification of the intended use or disclosure and you have not objected to that use or disclosure;
· We believe that the use or disclosure is reasonably necessary to assist a law enforcement agency or an agency responsible for national security in the performance of their functions;
· We are authorised, required or permitted by law to disclose the information, and
· We will not use your email address for any other purpose and will not disclose it without your consent.
How We Handle Emails
We will preserve the content of any email that you send us, if we believe that we have a legal requirement to do so. Any personal information contained in your email will be used or disclosed in ways set out in this statement.
Security of Information
No data transmission over the Internet can be guaranteed as totally secure. Although the Credit Union cannot ensure or warrant the security of any information you transmit to us, upon receipt of your transmission, we take reasonable steps to preserve the security of the information in our own systems.
Contact Information
The Credit Union has a Privacy Policy Statement and should you require a copy, or for further information regarding privacy, contact HSU Direct on 1300 304 932.
If you are concerned that we may have breached your privacy and wish to make a complaint, write to:
The Privacy Officer
HSU Members Credit Union Ltd
PO Box A253
SYDNEY SOUTH NSW 123 |
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