V1. July 2012
Dreamloans is a subsidiary of Luke Kouzapa Finance Service Pty Ltd (LKFS) and is referred to in this document as DL.
We only collect information that is necessary to our business function or activities.
As far as it is reasonable and practical, the information that we collect is provided by you.
The information is collected for the purpose of being able to conduct business with you.
If you do not provide this personal information, we may not be able to provide you with the product or services that you have requested.
You are able to gain access to the information, unless restricted by law.
DL may also collect personal information from other sources including:
DL will not use or disclose your personal information other than for the primary purpose of collection unless:
DL believes it is necessary to co-operate with an enforcement body performing law enforcement functions, in which case written note will be made of the disclosure.
DL does disclose personal information to organizations that perform services that are specific and essential to the function of our business.
The organizations to which we may disclose your information may include:
Notice of disclosure of your credit information to a credit reporting agency.
DL may give information about you to a credit reporting agency, but only information allowed by the commonwealth Privacy Act, for the following purposes:
Period to which this understanding applies: - this information may be given before, during or after the provision of credit to you.
DL will take reasonable steps to ensure that the personal information it collects, uses or discloses is accurate, complete and up-to date.
DL will take steps to protect personal information it holds from misuse, loss, unauthorised access, unauthorised modification and unauthorised disclosure.
DL will take steps to destroy personal information if it is no longer needed for the purpose for which the information may be used or disclosed. This is subject to legal obligations DL has to retain information for a certain period of time.
DL wishes to advise that this document will be made available to anyone upon request, and will let the person know generally the sort of personal information it holds, and why and how it holds, uses and discloses the information
DL will provide individuals, upon request, with access to their personal information with the following exceptions:
DL will not charge for providing access to personal information or for lodging a request for access.
If a person establishes that personal information held by DL is not accurate, complete and up-to-date, DL will take steps to correct the information
If a person disagrees with DL about the information being correct, the person can ask DL to attach a statement to the information claiming the information is not correct, and DL will take steps to do so.
If DL denies a person access to their personal information, it will provide a reason.
Only if it is lawful and practicable, does a person have the option of not identifying themselves when entering transactions with DL.
Sensitive information is information relating to your religious views, ethnicity, political opinion, criminal record, health personal information or sexual preference. Collection of this information is restricted by provisions of the Privacy Act. DL will collect this information if it is necessary for the establishment, exercise or defence of a legal or equitable claim.
DL is bound by the Privacy Act (Cth) 1988 and the ten National Privacy Principles for the handling of personal information. We have developed procedures in line with our obligations under the Act.
If you think that we have not complied with our own policy or our legal requirements regarding your personal information contact our office to discuss your complaint.
We will attempt to resolve the situation as soon as you contact us.
Mail: PO Box 374, St Peters SA 5069
Office: 102 Payneham Road, St Peters SA 5069
Telephone: 1300 780 050