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Lawrence Commercial Privacy Policy
THE IMPORTANCE OF YOUR PRIVACY
The privacy of your personal information is important to us at Lawrence Commercial Pty Ltd ABN 78 899 589 772. We are committed to respecting your right to privacy and protecting your personal information. We are bound by the National Privacy Principles in the Privacy Act 1988 (Commonwealth) , as well as other applicable laws and codes affecting your personal information. We are trained to respect your privacy in accordance with our standards, policies and procedures.
ABOUT THE PRIVACY POLICY
This Privacy Policy outlines how we manage your personal information. It also describes generally the sorts of personal information held and for what purposes, and how that information is collected, held, used and disclosed.
THE COLLECTION OF INFORMATION
If you are acquiring or have acquired a product or service from Lawrence Commercial Pty Ltd, we will collect and hold your personal information for the purposes of:
• providing you with the relevant product or service (including assessing your application and identifying you)
• managing and administering the product or service
• protecting against fraud where it is a banking and finance, or insurance, product or service.
Lawrence Commercial Pty Ltd may also collect your personal information for the purpose of letting you know about products or services from across the Lawrence Commercial Pty Ltd range that might better serve your financial and business needs or promotions or other opportunities in which you may be interested.
The information collected may include your name, postal or email address, date of birth, financial details, tax file number, health information or other information the company considers necessary.
We will, if it is reasonable or practicable to do so, collect your personal information from you. This may happen when you fill out a product or service application or an administrative form (eg a change of address form) or when you give us personal information over the telephone, or through the Lawrence Commercial Pty Ltd's website.
In certain cases we collect your personal information from third parties. For example, we may need to collect personal information from a credit reporting agency, your representative (such as a legal adviser), your financial adviser, your employer or publicly available sources of information or any of the other organisations identified below under "Using and Disclosing Personal Information".
USING AND DISCLOSING PERSONAL INFORMATION
In line with modern business practices common to many financial institutions and organisations and to meet your specific needs (such as where you have a financial adviser) we may disclose your personal information to the organisations described below. Where your personal information is disclosed we will seek to ensure that the information is held, used or disclosed consistently with the Lawrence Commercial Pty Ltd Privacy Principles and other applicable privacy laws and codes.
The relevant organisations are those
• involved in providing, managing or administering your product or service such as third party suppliers, printers, posting services, lenders mortgage insurers and additional advisers
• who are your financial advisers and their service providers
• involved in maintaining, reviewing and developing our business systems, procedures and infrastructure including testing or upgrading our computer systems
• involved in a corporate re-organisation
• involved in a transfer of all or part of the assets or business of a Group organisation
• involved in the payments system including financial institutions, merchants and payment organisations
• which are your representatives including your legal advisers
• as required or authorised by law, for example, to government or regulatory bodies for purposes related to public health or safety, the prevention or detection of unlawful activities or to protect public revenue
• where you have given your consent.
In addition, for Lawrence Commercial Pty Ltd offering
• banking and finance products or services - other organisations to which personal information is usually disclosed are card producers, card schemes, credit and fraud reporting agencies, debt collection agencies, mortgage insurance companies, your guarantors, organisations involved in valuing, surveying, or registering a security property or which otherwise have an interest in such property, purchasers of debt portfolios, underwriters, re-insurers and other organisations involved in our normal business practices (such as securitisation)
• financial planning or broking services or personal investment products - other organisations to which personal information is usually disclosed are superannuation and managed funds organisations and their advisers, organisations in which you invest and other organisations involved in our normal business practices (such as securitisation)
• trustee or custodial services - other organisations to which personal information is usually disclosed are superannuation and managed funds organisations and their advisers and other organisations involved in our normal business practices
• life insurance products or general insurance products - other organisations to which personal information is usually disclosed are medical professionals, medical facilities, health authorities, assessors, underwriters, reinsurers and fraud detection agencies and other organisations involved in our normal business practices.
Your personal information may also be used in connection with such purposes.
Marketing our products and services
We may use or disclose your personal information to let you know about, products and services from across the Lawrence Commercial Pty Ltd range that might better serve your financial, business and lifestyle needs or promotions or other opportunities in which you may be interested. For example, we may do this after an initial marketing contact. You can contact us at any time if you no longer wish us to do so.
INFORMATION ACCURACY AND UPDATING
Lawrence Commercial Pty Ltd aims to make sure that the personal information we collect, use or disclose is accurate, complete and up-to-date. We will take reasonable steps to make sure this is the case. This way we can provide you with better service.
If you believe your personal information is not accurate, complete or up to date, please contact us
INFORMATION PROTECTION
We store information in different ways, including in paper and electronic form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse and loss and unauthorised access, modification or disclosure. Some of the ways we do this are:
• confidentiality requirements for our employees
• document storage security policies
• security measures for systems access
• providing a discreet environment for confidential discussions
• only allowing access to personal information where the individual seeking access has satisfied our identification requirements
• access control for our buildings
• the security measures described below under the Lawrence Commercial Website.
INTERNET PRIVACY
Website
We take care to ensure that the personal information you give us on our website is protected.
Links to Other Sites
You may be able to access external websites by clicking on links we have provided. Those other websites are not subject to our privacy standards, policies and procedures. You will need to contact or review those websites directly to ascertain their privacy standards, policies and procedures.
OBTAINING ACCESS TO PERSONAL INFORMATION
You can gain access to your personal information. This is subject to some exceptions allowed by law. Factors affecting a right to access include:
• access would pose a serious threat to the life or health of any individual
• access would have an unreasonable impact on the privacy of others
• a frivolous or vexatious request
• the information relates to a commercially sensitive decision making process
• access would be unlawful
• access would prejudice enforcement activities relating to criminal activities and other breaches of law, public revenue, a security function or negotiations with you
• legal dispute resolution proceedings
• where a third party has given us health information about you in confidence
• denying access is required or authorised by or under law
We will give you reasons if we deny access.
Contact us to get a form requesting access. In some cases we may be able to deal with your request over the telephone.
GOVERNMENT IDENTIFIERS
Although in certain circumstances we are required to collect government identifiers such as your tax file number, Medicare number or pension card number, we do not use or disclose this information other than when required or authorised by law or unless you have voluntarily consented to disclose this information to any third party.
ANONYMOUSLY DEALING
You can deal with us anonymously where it is lawful and practicable to do so. For example, if you inquire about home loan interest rates you do not need to provide your personal details.
SENSITIVE INFORMATION
Without your consent we will not collect information about you that reveals your racial or ethnic origin, political opinions, religious or philosophical beliefs or affiliations, membership of a professional or trade association, membership of a trade union, details of health, disability, sexual orientation, or criminal record.
This is subject to some exceptions including:
• the collection is required by law
• when the information is necessary for the establishment, exercise or defence of a legal claim.
RESOLVING PRIVACY ISSUES
If you have any issues you wish to raise with Lawrence Commercial Pty Ltd, or would like to discuss any issues about our Privacy Policy, then you are able to do so a number of ways:
• You call our free call 1800 078 968 any time between 9am and 5pm Monday to Friday EST.
• You can email your issue on business.feedback@lawrencecommercial.com.
Contacting Us
For more information about our Privacy Policy, please call 1800 078 968 .
Download a copy of the request for access – personal information form (PDF, 94KB)
For more information about privacy in general, you can visit the Federal Privacy Commissioner's website
Download a copy of Lawrence Commercial's Privacy Policy (PDF, 149KB)
If you dont have a copy of Adobe Acrobat Reader downlaod it here.
Lawrence Comercial Terms of Use
By using the service provided through this web site, you agree to be bound by the following terms and conditions of use:
The Service provided by Lawrence Commercial Pty Ltd ABN 78 899 589 772 relates to Australian real estate assets only.
Lawrence Commercial Pty Ltd ABN 78 899 589 772 relies upon the accuracy and completeness of information provided by you in providing the Service.
Lawrence Commercial Pty Ltd ABN 78 899 589 772 is not a financial or investment advisor, solicitor, credit provider, accountant or financial planner. Lawrence Commercial Pty Ltd ABN 78 899 589 772 does not provide you with legal, financial, investment or tax advice about any agreements you may enter with a participating lender as a result of your use of the Service.Lawrence Commercial Pty Ltd ABN 78 899 589 772 recommends that you take independent financial advice from a licensed investment advisor and legal advice from a solicitor before you enter into any agreements with a participating lender as a result of your use of the Service.
Lawrence Commercial Pty Ltd ABN 78 899 589 772 is not the agent of any participating lender.
Any application by you for credit from a participating lender is subject to the lending criteria of that participating lender. Lawrence Commercial Pty Ltd ABN 78 899 589 772 does not have any influence over the decisions of a participating lender. Lawrence Commercial Pty Ltd ABN 78 899 589 772 does not warrant that you will be able to obtain a loan from any participating lender. Lawrence Commercial Pty Ltd ABN 78 899 589 772 does not warrant the timeliness of any participating lender in responding to your application or that the drawdown of any loan you may obtain will occur by a particular date.In the event that you obtain a loan from a participating lender Lawrence Commercial Pty Ltd ABN 78 899 589 772 may receive a fee or commission from that participating lender.
Any information provided in respect of a participating lender on the service (including without limitation interest rates, security requirements and fees and charges) has been provided to Lawrence Commercial Pty Ltd ABN 78 899 589 772 by the participating lender. Lawrence Commercial Pty Ltd ABN 78 899 589 772 does not otherwise verify the accuracy of any information provided by a participating lender. Any information provided as part of the Service is subject to change without notice.
Lawrence Commercial Pty Ltd ABN 78 899 589 772 is the owner of all copyright that may arise in relation to this web site and the Service.
Lawrence Commercial Pty Ltd ABN 78 899 589 772 may change these terms and conditions of use at any time in its absolute discretion.The Trade Practices Act and similar State and Territory Legislation in Australia may confer rights and remedies on you in relation to the provision of goods or services which cannot be excluded, restricted or modified ("Non-excludable Rights"). Lawrence Commercial Pty Ltd ABN 78 899 589 772 does not exclude any Non-excludable Rights but does exclude all other conditions and warranties implied by custom, law or statute.
To the extent permitted by law, Lawrence Commercial Pty Ltd ABN 78 899 589 772 shall not be liable for any direct, indirect, punitive, incidental, special, consequential damages or any damages whatsoever including, without limitation, damages for loss of use, data or profits, arising out of or in any way connected with the use or performance of the Service, with the delay or inability to use the Service, the provision of or failure to provide Services, or for any information, software, products, services and related graphics obtained through the Service, or otherwise arising out of the use of the Service, whether based on contract, tort, negligence, strict liability or otherwise, even if Lawrence Commercial Pty Ltd ABN 78 899 589 772 has been advised of the possibility of damages.
"Service" means the services provided by Lawrence Commercial Pty Ltd ABN 78 899 589 772 at this web site including: i. The provision of information about the loans offered by participating lenders; ii. Assistance with the selection of a participating lender; iii. Assistance with ascertaining whether you meet the lending criteria of participating lenders;
Lawrence Commercial Disclaimer
Important Notice
The products and services described in this site are available only to Australian residents and in relation to property in Australia . Applications from people other than Australian residents will not be accepted online, however please contact us on 1800 078 968 to discuss your needs. The information in this site has been prepared in accordance with Australian law for the supply of goods and services. This notice and the information in this site and all matters relating to either are governed by and are to be construed according to the laws applicable in the State of Victoria and the Commonwealth of Australia ("Australian law"). The information may not satisfy the laws of any other country. It is not directed at people in any other country and should not be relied on by people in any country other than Australia . The information in this site is current at the date of publication but may be subject to change.
Lawrence Commercial Pty Ltd does not warrant or represent that the information in this site is free from errors or omissions or is suitable for your intended use. Lawrence Commercial Pty Ltd recommends that you seek independent advice before acting on any information in this site. Subject to any terms implied by law and which cannot be excluded, Lawrence Commercial Pty Ltd accepts no responsibility for any loss, damage, cost or expense (whether direct or indirect) incurred by you as a result of any error, omission or misrepresentation in any information in this site. All applications for credit are subject to Lawrence Commercial Pty Ltd's respective panel of lenders and their individual credit assessment criteria.
Any advice contained on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice on this website, Lawrence Commercial Pty Ltd recommends that you consider whether it is appropriate for your circumstances.
A Product Disclosure Statement (PDS) or Financial Services Guide (FSG) may be available for products on this website. Refer to the product web page, or phone 1800 078 968 for specific products, to see if a PDS or FSG is available. If a PDS or FSG is available, Lawrence Commercial Pty Ltd recommends you consider the PDS or FSG before making any decisions regarding a product. All products on this website are available through Lawrence Commercial Pty Ltd ABN 78 899 589 772.
Lawrence Commercial Pty Ltd ABN 78 899 589 772
Lawrence Commercial Product Disclaimer
Insurance Products are issued by Tower Australia Limtied ABN 70 050 109 450. Commission charges may be payable on certain transactions. Lawrence Commercial may receive a commission for insurance, financial planning and lending facilities issued. Standard credit assessment criterion applies for each respective lender. This website contains general advice. This advice has been prepared without taking account of your objectives, financial situation or needs. You should consider the appropriateness of any advice before acting on it. You should obtain and consider the relevant Product Disclosure Statement, terms and conditions, Financial Services Guide and Guide to Fees and Charges for the product before making any decision about whether to acquire or continue to hold it. You can obtain a copy of those documents by contacting Lawrence Commercial. Wealth advice is provided by Australian Finance Group Financial Planning Pty Ltd (ABN 74 099 029 526) holds an Australian Financial Services Licence (No. 247105) issued by the Australian Securities Investments Commission. Australian Finance Group Financial Planning Pty Ltd is a Principal Member of the Financial Planning Association of Australia. Risk management advice is provided by Guardianfp Ltd trading as Guardian Financial Planning ABN 40 003 677 334 holds an Australian Financial Services Licence No. 237641 is a Principal Member of the Financial Planning Association of Australia.
Lawrence Commercial Copyright
Copyright
© Lawrence Commercial Pty Ltd ABN 78 899 589 772 "Copyright in the information contained in this site subsists under the Copyright Act 1968 (Cth) and, through international treaties, the laws of many other countries. It is owned by Lawrence Commercial Pty Ltd ABN 78 899 589 772 unless otherwise stated. All rights reserved. You may download a single copy of this document and, where necessary for its use as a reference, make a single hard copy. Except as permitted under the Copyright Act 1968 (Cth) or other applicable laws, no part of this publication may be otherwise reproduced, adapted, performed in public or transmitted in any form by any process (graphic, electronic or mechanical, including photocopying, recording, taping or by storage in an information retrieval system) without the specific written consent of Lawrence Commercial Pty Ltd ABN 78 899 589 772."