Oasis Home Loans
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How much can we borrow?
At a time when interest rates are rising it's important to reduce your payments by consolidating your debts into a lower repayment loan if you can. Take the 60 second home loan challenge and speak with one of our Australia wide industry accredited mortgage professionals.
Click here to find out.
Avoid Mortgage Stress?
High rates and higher living cost can often bring on mortgage stress. Mortgage stress is when more than 35% of your earnings are being spent on your mortgage payments. Often the solution is to either lower your mortgage interest rate or consolidate some higher interest debts both of which may reduce your mortgage payments.
Click here to find out.
Behind with your mortgage?
If you've fallen behind in your mortgage payments the trick is to act quickly to find a solution. Despite the financial climate there are lenders who are sympathetic to those who are experiencing problems. There are home loans for people who have credit defaults or are behind in the mortgage payments.
Click here to find out.
OASIS
HOME LOANS
Privacy Policy and
Statement
September 2003
Our
Commitment
At Oasis we recognise that your privacy is very important
to you - it is to Oasis as well. We handle personal
information provided by and about people every day. By
personal information we mean information or an opinion
about a person whose identity is apparent or can reasonably
be ascertained.
We are bound by, and committed to supporting, the National
Privacy Principles (NPPs) set out in the Privacy Amendment
(Private Sector) Act 2000. Our aim is to both support, and
ensure that we comply with, the NPPs that form the basis of
laws introduced to strengthen privacy protection for the
general public. The information set out below is largely a
summary of our obligations under the NPPs.
We believe that this Statement will address any potential
concerns you may have about how personal information you
provide Oasis is collected, held, used, corrected,
disclosed and transferred. You can obtain more information
on request about the way we manage the personal information
we hold. If you seek any further information please contact
us in one of the ways set out below.
Collection
In the course of our activities we collect and hold
personal information about our applicants for finance and
customers, including their personal details, employment
information and financial background. Our main purposes for
collecting that personal information include assessing or
varying the credit facilities for which they may apply, to
facilitate direct marketing of financial and household
products and services offered by us or by an organisation
that we are associated with, research and product
development, and any purpose related to those other
purposes. We will only collect personal information from
you that is necessary for one or more of our functions and
activities. We will only collect personal information from
you by lawful and fair means, without being unreasonably
intrusive, such as when you complete a loan application
form or other document concerning your application to us
for finance. At or before the time we collect personal
information from you we will take reasonable steps to
inform you why we are collecting that personal information,
who else we might disclose that personal information to and
what will happen if you do not provide personal information
to us. Where reasonable and practicable, we will only
collect personal information about you, from you. Note that
we will obtain background information about you from credit
reference agencies. Wherever it is lawful and practicable,
we will give you the option of not identifying yourself or
not providing personal information when entering
transactions with us. However, in most cases, if you do not
provide the full and complete information we request we
will be unable to process your application for finance.
Once we hold personal information we will take reasonable
steps to keep it accurate, complete and up-to-date.
Use and
Disclosure
We will only use your personal information for the main
purposes we told you it was needed for, except where you
consent to us using that personal information for another
purpose, where the other purpose is related to the main
purpose and you would reasonably expect us to use the
personal information for that other purpose, or where it is
permitted or required by law, or we reasonably believe it
is necessary on health or public safety grounds to use the
personal information for another purpose.
In order to fulfil the purposes set out above we may
provide access to your personal information to third
parties with whom we have a business relationship, for
example to:
-
our lenders and or their agents, credit reporting agencies, introducers, valuers, debt collection agencies, government authorities,
-
organisations involved in processing (including card and PIN producers), managing, insuring or funding credit facilities;
-
organisations to whom we outsource functions such as mailing and printing houses, and specialist advisers such as accountants and solicitors (both yours and ours); and
-
our associated organisations for the purpose of direct marketing household products and services to meet your needs (other than your credit information).
You accept that not all recipients of your information may have privacy policies equivalent to Oasis’s, but despite this you still consent to the disclosure of your personal information for the purposes we have stated above.
In relation to direct marketing, where practicable we will seek your consent before we use your personal information for this purpose. You may tell us at any time you do not wish to receive any further direct marketing materials - if you do, we will stop sending you such materials.
Access and Correction
If you ask, we will tell you what personal information we hold about you, and what we do with it. We will facilitate access to you by allowing an inspection of your personal information in person, or by providing copies or a summary of relevant documents, depending on what is most appropriate in the circumstances, following receipt of your request. Any charge we make for providing access will be reasonable.
If you can show us that the personal information is inaccurate, we will take reasonable steps to correct it. Note that we need not provide access to personal information in several types of situation, for example where a request is frivolous, or where to provide access would pose a threat to health or public safety, unreasonably interfere with another person’s privacy, or be a breach of the law. If we refuse access we will advise you of our reasons for doing so.
If you wish to make a request to see the information we may hold in relation to your loan application you must make that request in writing stating exactly what information you are seeking and direct it to the address or fax number given below. Oasis will normally contact you within 2 working days and advise you where your information is available for collection and the costs involved, if any. To collect the information you must collect it in person and provide 100 point identification at that time. Where the documents held by Oasis relate to a joint application, all parties must make that request as information can only be provided to authorised persons.
Security
We will protect personal information from misuse and loss, and destroy or permanently de-identify personal information we no longer need.
Cookies
When you visit our website, details may be recorded about your visit, such as time and date, your server address, pages accessed, time spent and type of browser. This information is used in an anonymous form for statistical purposes and as such cannot identify you individually.
We may use cookies to identify your browser so that next time you visit our website we remember your log in details. A cookie is a small file which remains on your computer and contains information enabling our website to recognise your browser. If you do not wish to use cookies, you can adjust the settings on your browser to reject cookies or notify you when they are being used.
Identifiers
We will not adopt as our own any identifiers that you may provide to us such as TFNs, Medicare numbers etc. Sending Data Overseas and Third Party Websites We will not send any personal information about you overseas unless you consent to this, or we reasonably believe that the other country has privacy laws substantially similar to our own, or we provide the information in other circumstances giving like protection.
Our website contains a number of links to other websites, including the websites of our commercial partners. When this occurs be sure to check the privacy policy of those websites as we are not responsible for privacy practices of those other parties.
Complaints Resolution
We are committed to providing loan applicants, customers, and other parties whose personal information we hold, a fair and responsible system for the handling of their complaints.
If at any time you have any complaints in relation to privacy, please contact our Privacy Officer at one of the points referred to below. We will seek to address any concerns that you have through our complaints handling processes, but if you wish to take matters further you may refer your concerns to the Office of the Federal Privacy Commissioner.
Contact Us
If you seek any further information from Oasis about this Statement or our privacy policy generally please contact our Privacy Officer at one of the reference points below:
Oasis Mortgage Group Pty Ltd
P.O Box 177, Lawson, NSW, 2783
Telephone: (02) 47592690
Facsimile: (02) 47592696
Additional Privacy Information
Further information on privacy in Australia may be obtained by visiting the web site of the Office of the Federal Privacy Commissioner at http://www.privacy.gov.au