Privacy Policy
Who we are
Fintor Education Pty Ltd is committed to providing you with the highest levels of service and financial education. We recognize that your privacy is very important to you and every Australian. The Privacy Amendment (Enhancing Privacy Protection) Act 2012 sets out several Australian Privacy Principles. Our aim is to both support and ensure that we comply with these principles. Further information on privacy in Australia may be obtained by visiting the website of the Office of the Australian Information Commissioner (OAIC) at www. oaic.gov.au.
This Privacy Policy discloses the purpose and how the personal information you enter within the course, lessons and action plan tools or provide the Fintor group of companies, and our Representatives is collected, used, held, disclosed and disseminated.
We encourage you to check our website regularly for any updates to our Privacy Policy: www.fintoreducation.com.au.
The Fintor Group of companies
Fintor is comprised of an integrated group of companies known collectively and referred to as “The Fintor Group”. The group comprises of these entities:
- Fintor Pty Ltd
- RSM Lending Pty Ltd – Trading as (T/A) Fintor – Your Lending Specialists
- Fintor Education Pty Ltd
Your Personal Information
Fintor Education as part of a larger group including Fintor Pty Ltd & RSM Lending Pty Ltd trading as Fintor – Your Lending Specialists is able to provide financial services at your discretion. Both the Financial Planning and Mortgage Broking companies and the respective licensees are subject to certain legislative and regulatory requirements under s961B of the Corporations Act 2001 and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006. These require us to obtain personal information about you including:
- your name, contact details, date of birth, tax file number;
- information regarding your dependants and family commitments;
- your occupation and employment history;
- your financial needs and objectives;
- your assets, liabilities, income, expenses, insurances and social security entitlements.
How We Collect Personal Information
The Fintor group collects personal information directly from you or from third parties once authorisation has been provided by you. You have the right to refuse us authorisation to collect such information from a third party.
How We Use Your Personal Information Primarily
Your personal information is used for the purposes of providing a financial education experience, mortgage broking services and financial advice to you. We may also use the information that is related to the primary purpose and it is reasonable for you to expect the information to be disclosed. From time to time, we may provide you with direct marketing material. If, at any time, you do not wish to receive this information any further, you may contact us with this request. We will endeavour to meet your request within 2 weeks. We maintain a Register for those individuals not wanting direct marketing material.
When the Fintor Group may disclose information
In line with modern business practices common to many financial institutions and to meet your specific needs, we may disclose your personal information when providing personalised financial services to you for the purposes of facilitating and implementing Financial advice and Mortgage Broking services. The Fintor group may disclose different information depending on the personalized financial service you are seeking.
Before any personalised financial services can be provided to you, clear indication of which individual entity in the Fintor Group you are dealing with will be provided. Should you choose to employ the services of this entity, the respective privacy policy of this entity and its licensee will be disclosed and agreed to before proceeding with any personalised financial services.
Your Privacy is may be subject to two Privacy Policies when seeking personalised financial services
Fintors licensees; Capstone Financial Planning Pty Ltd & Australian Financial Group Ltd each have their own respective Privacy policies. Capstone Financial Planning Pty Ltd Privacy policy can be found by accessing the below link:
Australian Financial Group’s (AFG) Privacy policy is customised to the individual. As such, this privacy policy will be discussed and issued at the first appointment you have with a Fintor representative. The general terms of Australian Financial Group AFG privacy policy can be found on Fintor – Your lending Specialists website:
Sharing Information Between The Fintor Group Of Companies
Fintor shares your information between the Fintor group of companies for the sole purpose of obtaining the most appropriate financial solutions and products for your individual needs and circumstances. Should you only wish to share your information with one of the Fintor entities please indicate your preference by calling Fintor on 1300 FINTOR (1300 346 867).
Our Website
Fintor Education’s website may provide links to third party websites. The use of your information by these third party sites is not within our control and we cannot accept responsibility for the conduct of these organisations. Other websites are not subject to our privacy standards. You will need to contact or review those websites directly to ascertain their privacy policies.
You may register with us to receive newsletters and other information. By doing so, your name and email address will be collected and stored on our database. We take care to ensure that the personal information you give us on our website is protected. For example, our website has electronic security systems in place, including the use of firewalls and data encryption. If you do not wish to receive any further information from us or you wish to update your registration details, please email your request to us. We will endeavour to meet your request within 5 working
days.
Our Website utilises cookies to provide you with a better user experience. Cookies also allow us to identify your browser while you are using our site – they do not identify you. If you do not wish to receive cookies, you can instruct your web browser to refuse them.
Media
If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.
Cookies
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.
If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.
When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.
If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Embedded content from other websites
Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.
These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights do you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
Where we send your data
Visitor comments may be checked through an automated spam detection service.