Cumberland Home Loan Group

Cumberland Home Loan Group (CHLG) and it's composite entities* are committed to protecting your privacy and embrace the National Privacy Principles of the Privacy Act 1988 (as applicable).

Information we collect
CHLG collects personal information, such as name(s) current and former address, age, gender, marital status, nationality, employment details, telephone and fax numbers, email addresses, bank and credit card details, property ownership or rental information, identity information, income, expenses, assets, liabilities and credit history information, from applicants. This is for the purposes of credit assessments, loan management and marketing by CHLG or a third party.

If we do not receive personal information we may be unable to provide the service you require. If information is used for marketing you will be given the opportunity to opt out of future direct marketing campaigns. Alternatively, you can contact us at the address below to decline any further marketing information.

How we collect personal information
In most cases information is provided when applications are received from clients either in meetings, over the phone or by mail etc. Information may also be obtained from third parties such as reporting agencies or your representative, such as real estate agent, accountant or solicitor. Subsequent information may also be obtained to ensure prudent management of your loan.

Disclosure of information
Some of the information obtained may be provided to a third party for functions we outsource such as legal and valuation services etc. Also to those you would reasonably expect us to disclose the information for a particular purpose which is related to the purpose for which you supplied the information. To another party if we sell all or part of our business.

Information may also be provided to lending program regulators, mortgage and property Valuers, lenders providing facilities, regulatory bodies, government agencies, law enforcement bodies, tribunals and courts etc. Information may be provided to credit reporting agencies.

Disclosure of your information is necessary to enable CHLG to deliver the products and services you require.

Contacting us about your personal information
If you have any questions regarding our Privacy Policy or this Statement or you would like to gain access to, or correct, or update your personal information, please write to:

The Secretary
Cumberland Home Loan Group
PO Box 239
Parramatta NSW 2124.

CHLG may change this Privacy Statement at any time. Any changes will apply to information collected before or after the date of the change. No changes will be in conflict with the Privacy Amendment (Privacy Sector) Act 2000 (as applicable). Updated versions will be posted on our web site www.cumberlandhomeloan.com.au. We suggest you visit the site regularly to keep up to date with any changes.

*CHLG Loan Group includes the following entities: Parramatta District Association of Co-operative Housing Societies Ltd., Parramatta Co-op. Housing Society, Cumberland Consultancy Services Pty. Ltd., Metropolitan Homes & General Co-op. Housing Society, LoanSolutions Co-op. Housing Society, South Western Co-op. Housing Society and State Wide Co-op. Housing Society.