This Privacy Policy applies to the information and services offered through the website ("Website") offered by Australian Mortgage Securities Pty Ltd (ABN 89 003 072 446) ("AMS"). Please read this Privacy Policy carefully before using the AMS website. Usage of the AMS website is conditional upon you agreeing to be bound by this privacy policy.
In summary, while you should read each provision in this Privacy Policy, you must note that by using the AMS website:
- You agree that if you disclose personal information to us, we may create a database record about you;
- You agree for us to use cookies on your browser (unless you remove them – please see below for explanation)
1. Your personal information is important to us
AMS is committed to safeguarding your personal privacy. We recognise that you have a right to control how your personal information is collected and used. We know that providing personal information is an act of trust and we take that seriously.
Unless you directly give us consent to do otherwise, AMS will only collect and use your personal information as set out below.
2. Collecting information about you
AMS will not collect or monitor any personal information about you without your consent. The only personal information we collect is what you tell us about yourself, for example by sending us an email enquiry, completing an application form or records of conversations you may have with our staff.
3. Our use of cookies
Cookies are data files that a web server transfers to your computer's hard drive to record your visit to that website.
Most web browsers are set to accept cookies. AMS uses cookies to assist us to tailor the use of our website and services to you. Cookies do not themselves personally identify users, although they do identify a user's browser. Cookies allow us to remember the information you have previously entered as you move through our site and allow us to track how many people are using the different
parts of the site. If you do not wish to receive any cookies you may set your browser to refuse cookies. However, this may mean you will not be able to take full advantage of AMS' website.
4. Tracking traffic patterns
We may use third party website measurement software to assist in tracking traffic patterns on, to and from our site, anonymously surveying users of the sites. This software does not personally identify users and no person information is stored about you.
5. Using and disclosing your personal information
We intend to use your information for the following purposes only:
1. To fulfil our obligations under any contract between you and AMS
2. To provide you with information about the ARMS II and AMS NZ Securitisation Programmes or related services
3. To ask you for your opinion or comments about the site and/or our services
4. To track general traffic patterns showing the usage of our website, without identifying the usage patterns of any particular individual
Please also note that in order to operate the website or deliver a service we may sometimes share your personal information with a service provider, which may be a non-AMS company.
AMS recognises the trust you place in us when you give us personal information – we will not use or disclose any information about you for other purposes without your consent, except in exceptional circumstances such as if disclosure is required by law or is necessary to protect the rights or property of AMS, or any member of the public, or to lessen a serious threat to a person's health or safety.
6. When we will contact you
We may contact you at the email or other address which you provide to us in order to provide you with information which may be of interest to you including updates to our website, information which may be of interest to you and other changes that may affect you.
We will not send you 'spam' (advertising information) without first asking you whether you wish to have promotional information sent to you. If you are receiving communications from AMS and do not wish to receive this information any longer, you may remove your name from our list either by email or by calling AMS on the customer enquiry number [02 8236 8000].
7. Storage and security of your personal information
AMS will take all reasonable steps to keep information we hold about you:
1. secure;
2. accurate; and
3. up to date.
Your information is stored on secure servers that are protected in controlled facilities. Our employees and data processors are obliged to maintain the confidentiality of any personal information held by AMS. However, as we cannot guarantee the security of communications over the Internet, we cannot give an absolute assurance that your information will be secure at all times. AMS will
not be held responsible for events arising from unauthorised access to your personal information.
8. Accessing personal information held
If at any time you want to know what information we hold about you, you are welcome to request your personal information by email or calling 02 8236 8000. If you want to change and correct personal information that is inaccurate or out of date, please contact us or call 02 8236 8000. To have personal information deleted, please let us know in the same manner, and we will take reasonable steps to delete your personal information unless we are required to keep such information by law.
9. What to do if you have a problem or question
If AMS becomes aware of any ongoing concerns or problems with areas on our website, we will take these issues seriously and work to address these concerns. If you have any further queries relating to our Privacy Policy, or you have a problem or complaint, please contact us or call the customer enquiry number 02 8236 8000.
10. Future changes
We review our policies regularly and reserve the right to change this privacy policy at any time and notify you by posting an updated version of the policy on our website. The amended Privacy Policy will apply between us whether or not we have given you specific notice of any change.
Date of issue: 3 November, 2004