Privacy Policy

In this privacy policy, “We”, “Us” and “Our” refers to CRM Mortgage Services a subsidiary of STEWGS Pty Ltd (ABN: 92 100 007 136).

Analytics

This website collects personal data to power our site analytics, including:

  • Information about your browser, network, and device.

  • Web pages you visited prior to coming to this website.

  • Your IP address.

This information may also include details about your use of this website, including clicks, internal links, pages visited, scrolling, searches, timestamps. This information is shared with our company analytics provider, to learn about site traffic and activity.

Cookies

This website uses cookies and similar technologies, which are small files or pieces of text that download to a device when a visitor accesses a website or app. For information about viewing the cookies dropped on your device, visit this page.

Disclosure of your personal information to others

We will inform you, where possible, at or before the time of collecting your information, of the types of organisations to which we intend to disclose your personal information. We may disclose your personal information to:

  • Prospective funders or other intermediaries in relation to your finance requirements;

  • Other organisations or individuals who represent you, such as finance brokers, lawyers, mortgage brokers, guardians, persons holding power of attorney and accountants;

  • Anyone where you have provided us consent to disclose;

  • The other borrowers or guarantors (if more than one);

  • Borrowers or prospective borrowers, including in relation to any credit you guarantee or propose to guarantee;

  • Government and law enforcement agencies or regulators to which we are authorised to do so by law;

  • Credit rating agencies;

  • Your employer, former employer, referees or identity verification services.

We will disclose your personal information to those third parties only where such disclosure is for the purposes required. We will disclose your personal information when we are required to do so by law. We may use cloud storage to store your personal information that we hold.

Credit-related information

We exchange credit-related information for the purposes of assessing your application for finance and managing that finance. If you propose to be a guarantor, one of our checks may involve obtaining a credit report about you.

This credit-related information may be held by us in electronic form on our secure servers and may also be held in paper form. We may use cloud storage to hold credit-related information about you. When we obtain credit eligibility information about you from a credit reporting body, we may also seek publicly available information and information about any serious credit infringement that you may have committed.

We exchange your credit-related information with credit reporting bodies. We use this information that we exchange to confirm your identity, assess your credit worthiness, assess your application for finance or your capacity to be a guarantor and manage your finance.

The information we can exchange includes your identification details, what type of loans you have, how much you have borrowed, whether or not you have met your loan payment obligations and if you have committed a serious credit infringement (such as fraud).

If you fail to meet your payment obligations in relation to any finance that we have arranged or you have committed a serious credit infringement, we may disclose this information to a credit reporting body.

You have the right to request access to the credit-related information that we hold about you and can make a request to correct that information at any time. You can also request information on the credit reporting bodies used.

Sensitive information

We will collect sensitive information about you only with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, membership in trade or professional associations or trade unions, sexual preferences, criminal record, or health and may include any information you tell us about any vulnerability you may have.

How we store your personal information

We take all reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or exposure in the following ways:

  • Software and other IT systems are password protected.

  • Firewalls and virus scanning software is used.

  • Appropriate document storage and destruction methods are used.

  • We only provide your personal information to you when we are satisfied as to your identity.

We store your personal information in both electronic and paper form.

Changes may be made to this privacy policy at any time without notice as new laws and codes of conduct come into effect.