Privacy Policy
General Commercial Group Pty Ltd ABN 87 134 168 540 and its related bodies corporate (we, our, us) recognise the importance of protecting the privacy and the rights of individuals in relation to their personal information. This document is our privacy policy and it tells you how we collect and manage your personal information.
What is your personal information?
When used in this privacy policy, the term “personal information” has the meaning given to it in the Act. In general terms, it is any information that can be used to personally identify you. This may include your name, address, telephone number, email address and profession or occupation. If the information we collect personally identifies you, or you are reasonably identifiable from it, the information will be considered personal information.
What personal information do we collect and hold?
We may collect your name, mailing or street address, email address, telephone number, facsimile number, age or birth date, profession, occupation or job title, governmental identification details and any additional information relating to you that you provide to us directly through our websites or indirectly through use of our websites or online presence, through our representatives or otherwise and information you provide to us through our service centre, customer surveys or visits by our representatives from time to time.
We may also collect some information that is not personal information because it does not identify you or anyone else. For example, we may collect anonymous answers to surveys or aggregated information about how users use our website.
How do we collect your personal information?
We collect your personal information directly from you unless it is unreasonable or impracticable to do so. When collecting personal information from you, we may collect in ways including:
– through your access and use of our website
– by telephone, letter, fax or email
– during conversations between you and our representatives
– by contracting with us
– by entering competitions, promotions or requesting information or material from us
– completing surveys, providing feedback or complaining to us
We may also collect personal information from third parties including:
– from third party companies such as credit reporting agencies, law enforcement agencies and government entities
– your representatives (lawyers, accountants and financial advisers)
– your employer
– publicly available sources of information or any other organisations
– where you have given your consent
Cookies
When you access our website, we may send a “cookie” (which is a small summary file containing a unique ID number) to your computer. This enables us to recognise your computer. It also enables us to keep track of your activity on our website for a period of time. We also use cookies to measure traffic patterns, to determine which areas of our website have been visited and to measure transaction patterns in the aggregate. We use this to research our users’ habits so that we can improve our online products and services. Our cookies do not collect personal information. If you do not wish to receive cookies, you can set your browser so that your computer does not accept them.
We may log IP addresses (that is, the electronic addresses of computers connected to the internet) to analyse trends, administer the website and track users movements.
What happens if we can’t collect your personal information?
If you do not provide us with the personal information described above, some or all of the following may happen:
– we may not be able to provide the requested products or services to you, either to the same standard or at all;
– we may not be able to provide you with information about products and services that you may want; or
– we may be unable to tailor the content of our websites to your preferences and your experience of our websites may not be as enjoyable or useful.
For what purposes do we collect, hold, use and disclose your personal information?
We collect personal information about you so that we can perform our business activities and functions and to provide best possible quality of customer service.
We collect, hold, use and disclose your personal information for the following purposes:
– to provide products and services to you and to send communications requested by you;
– to answer enquiries and provide information or advice about existing and new products or services;
– to provide you with access to protected areas of our website;
– to assess the performance of the website and to improve the operation of the website;
– to conduct business processing functions including providing personal information to our related bodies corporate, contractors, service providers or other third parties;
– for the administrative, marketing (including direct marketing), planning, product or service development, quality control, survey and research purposes of General Commercial Group Pty Ltd, its related bodies corporate, contractors, employees, or service providers;
– to provide your updated personal information to our related bodies corporate, contractors, employees, or service providers;
– to update our records and keep your contact details up to date;
– to process and respond to any complaint made by you; and
– to comply with any law, rule, regulation, lawful and binding determination, decision or direction of a regulator, or in co-operation with any governmental authority of any country (or political sub-division of a country).
Your personal information will not be shared, sold, rented or disclosed other than as described in this Privacy Policy.
To whom may we disclose your information?
We may disclose your personal information to:
– our employees, 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 including, without limitation, web hosting providers, IT systems administrators, mailing houses, couriers, payment processors, data entry service providers, electronic network administrators, debt collectors, utilities providers, and professional advisors such as accountants, solicitors, business advisors and consultants;
– suppliers and other third parties with whom we have commercial relationships, for business, marketing, and related purposes; and
any organisation for any authorised purpose with your express consent.
We may combine or share any information that we collect from you with information collected by any of our related bodies corporate (within Australia).
Direct marketing materials
We may send you direct marketing communications and information about our products and services that we consider may be of interest to you. These communications may be sent in various forms, including mail, SMS, fax and email, in accordance with applicable marketing laws, such as the Spam Act 2003 (Cth). If you indicate a preference for a method of communication, we will endeavour to use that method whenever practical to do so. In addition, at any time you may opt-out of receiving marketing communications from us by contacting us (see the details below) or by using opt-out facilities provided in the marketing communications and we will then ensure that your name is removed from our mailing list.
How can you access and correct your personal information?
You may request access to any personal information we hold about you at any time by contacting us (see the details below). Where we hold information that you are entitled to access, we will try to provide you with suitable means of accessing it (for example, by mailing or emailing it to you). We may charge you a fee to cover our administrative and other reasonable costs in providing the information to you and, if so, the fees will be disclosed on our website. We will not charge for simply making the request and will not charge for making any corrections to your personal information.
There may be instances where we cannot grant you access to the personal information we hold. For example, we may need to refuse access if granting access would interfere with the privacy of others or if it would result in a breach of confidentiality. If that happens, we will give you reasons for any refusal.
If you believe that personal information we hold about you is incorrect, incomplete or inaccurate, then you may request us to amend it. We will consider if the information requires amendment. If we do not agree that there are grounds for amendment then we will add a note to the personal information stating that you disagree with it.
What is the process for complaining about a breach of privacy?
If you believe that your privacy has been breached, please contact us using the contact information below and provide details of the incident so that we can investigate it. We will deal with the complaint in accordance with our then current Complaints Handling Procedure.
Do we disclose your personal information to anyone outside Australia?
We may disclose personal information to our related bodies corporate and third party suppliers and service providers located overseas for some of the purposes listed above. We take reasonable steps to ensure that the overseas recipients of your personal information do not breach the privacy obligations relating to your personal information.
We may disclose your personal information to entities located outside of Australia, including the following:
– our related bodies corporate;
– our data hosting and other IT service providers, located in various countries; and
– other third parties located in various foreign countries.
We may disclose your personal information to entities within Australia who may store or process your data overseas. In the event that a disclosure is made in an overseas country (which we consider unlikely), the information will not be protected by the Australian Privacy Principles. In any event, by providing your details, you consent to your information being disclosed in this manner.
Security
As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any personal information or other information which you transmit to us online is transmitted at your own risk.
Links
Our website may contain links to other websites operated by third parties. We make no representations or warranties in relation to the privacy practices of any third party website and we are not responsible for the privacy policies or the content of any third party website. Third party websites are responsible for informing you about their own privacy practices.
Contacting us
If you have any questions about this privacy policy, any concerns or feedback regarding the treatment of your privacy, please use the contact link on our website or contact our Privacy Officer using the details set out below.
We will treat your requests or complaints confidentially. Our representative will contact you within a reasonable time after receipt of your complaint to discuss your concerns and outline options regarding how they may be resolved. We will aim to ensure that your complaint is resolved in timely and appropriate manner.
Please contact our Privacy Officer at:
Privacy Officer
General Commercial Group Pty Ltd
PO Box 10533
Brisbane QLD 4000
Changes to our privacy policy
We may change this privacy policy from time to time. Any updated versions of this privacy policy will be posted on our website. This privacy policy was last updated on 1 September 2021.
Disclaimers
Finance Disclaimer
We do not make any warranties on the availability or eligibility of finance or financial products to any person. We will not provide you with tax, legal, financial, or credit advice. In the event that you wish to make an application of finance, you will be referred to a qualified company in accordance with our Privacy Policy.
Property Disclaimer
Plans, illustrations and images are depictions for presentation purposes and are indicative only and believed to be correct at the time of printing. This website should not be relied upon by purchasers, as no warranty or representation is given or to be construed. Areas and dimensions are subject to survey and proposed facilities are subject to regulatory approval and change without notice. This website does not form part of any contract and purchasers should review the contract carefully, make their own inquiries and obtain independent advice before proceeding. We are not the owner, developer, or builder of any of the products in this document and the information presented has been provided by third parties. Our company accepts no liability for the content of this website, or for the consequences of any actions taken on the basis of the information provided. If you are not the intended recipient you are notified that disclosing, copying, distributing or taking any action in reliance on the contents of this document is strictly prohibited.
Advertising Disclaimer
Approved applicants only. Lending criteria apply. Fees and charges may be payable. Customers may be referred to a suitably qualified finance expert to determine any potential eligibility for lending. Repayments advertised apply only to the example or examples given. Different amounts and terms will result in different repayment amounts. Costs such as additional purchase related costs, additional finance related costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the repayment amount but may influence the cost of any loan. All repayment amounts mentioned on this website are calculated using a comparison rate that is calculated on a per annum basis. Comparison rates are designed to allow borrowers to understand the true cost of a loan by taking into account fees and charges, the loan amount and the term of the loan. For a 30-year loan of $400,000 with a comparison rate of 5.00%, the total amount payable over the course of the loan would be $768,207, which includes interest of $370,063. Fees and rates are based on an individual’s financial circumstances and the suitably qualified finance expert will discuss your financial position and the details of any potential lending in greater detail, such as specific rates, fees, or charges. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.
Terms of Use
Error.
