Welcome to the La Trobe Financial Services Group Internet web site. This web site is owned and operated by La Trobe Financial Services Pty
Limited ABN 30 006 479 527. Visitors to this web site are bound by the following terms and conditions so please read these carefully
before going on. For the purposes of these terms and conditions, "this web site" means the La Trobe homesite, which links to
other La Trobe subsites.
Other subsites may contain terms and conditions which are different from these terms and conditions. On your journey around the La Trobe
web sites please check the terms and conditions of each web site and subsite which you visit and do not assume that these terms and
conditions apply to all La Trobe web sites, or subsites.
Please note that all of the information and data is made available to you upon acceptance of the following terms and conditions.
Click on any of the sections below to reveal more details.
Site Disclaimer
This web site may include links to external web sites. When you follow such links the external web site may appear as a full screen (in
which case you will need to use the back button on your browser to return to this web site) or in some cases it may appear within the
frame of this web site (in which case you will be able to return to this web site by using the navigation buttons within the frame). These
links are provided in order to help you find relevant web sites, services and products which may be of interest to you quickly and easily.
It is your responsibility to decide whether any services and products available through any of these web sites are suitable for your
purposes. La Trobe is not responsible for the owners or operators of these web sites or for any products or services they supply or for
the content of their web sites and does not give or enter into any conditions, warranties or other terms or representations in relation to
any of these or accept any liability in relation to any of these (including any liability arising out of any claim that the content of any
external web site in relation to which this web site includes a link infringes the intellectual property rights of any third party).
All information provided as part of this web site is intended to be general in nature and you should not rely on it in connection with the
making of any decision. La Trobe tries to ensure that all information provided as part of this web site is correct at the time of inclusion
on the web site but does not guarantee the accuracy of such information. La Trobe is not liable for any action you may take as a result of
relying on such information or advice or for any loss or damage suffered by you as a result of you taking this action.
Copyright
This web site contains material including text, photographs and other images and sound, which is protected by copyright and other
intellectual property rights. All copyright and other intellectual property rights in this material are either owned by La Trobe or have
been licensed to it by the owner(s) of those rights so that it can use this material as part of this web site.
This web site also contains trade marks, including the La Trobe emblem and logo. All trade marks included on this web site belong to La
Trobe or have been licensed to it by the owner(s) of those trade marks for use on this web site.
You may
- access any part of this web site; and
- print off one copy of any or all of the pages for your own personal reference.
You may not
- copy (whether by printing off onto paper, storing on disk, downloading or in any other way), distribute (including distributing
copies), broadcast, alter or tamper with in any way or otherwise use any material contained in this web site except as set out
under "You may";
- remove any copyright, trade mark or other intellectual property notices contained in the original material from any material
copied or printed off from this web site;
- link to this web site without La Trobe’s written consent.
These restrictions apply in relation to all or part of the material on this web site
Changes to Terms and Conditions
La Trobe may change the terms and conditions and the disclaimer set out above from time to time. By browsing this web site you are
accepting that you are bound by the current terms and conditions and disclaimer and so you should check these each time you revisit the
site.
Changes to the Operation of this Web Site
- La Trobe may change the format and content of this web site at any time.
- La Trobe may suspend the operation of this web site for support or maintenance work, in order to update the content or for any
other reason, such as security breaches.
- La Trobe reserves the right to terminate access to this web site at any time and without notice.
Data Protection
Personal details provided to La Trobe through this web site will only be used in accordance with our privacy charter. Please read this
carefully before going on. By providing your personal details to us you are consenting to its use in accordance with our privacy charter.
You can review our privacy charter
here.
Complaints Procedure
Jurisdiction
These terms and conditions are governed by and to be interpreted in accordance with Australian law and in the event of any dispute arising
in relation to these terms and conditions or any dispute arising in relation to this web site whether in contract or tort or otherwise the
Australian courts will have non-exclusive jurisdiction over such dispute.
Liability
The information contained on this web site is provided by La Trobe and its subsidiaries or affiliated or related companies in good faith.
The information is derived from sources believed to be accurate and current but has not been verified by any of La Trobe, its related
bodies corporate, its affiliates and their servants and agents and is under no obligation to notify you or publish any amendment if it
becomes aware of any change to, inaccuracy in or omission from, the information. To the extent permitted by law, no member of the La Trobe
Financial Services Group gives any representation or warranty. The information is not to be relied upon as being complete, accurate, or
up to date and is subject to change.
Not An Investment Advice or Recommendation of any Product
The information that this web site provides is general information only. It is not intended as or suitable to be acted upon as investment
advice or a recommendation in relation to any securities or other financial products and must not be relied upon or construed as such. Any
person intending to act on the basis of the information contained in this web site should not rely on the information provided, and should
seek professional investment advice, or should satisfy themselves as to the suitability of any proposed course of action.
In the United Kingdom, this web-site is directed only at professional investment advisers and professional investors (U K
Professionals); it would be imprudent for persons of any other kind to respond to it.
Not An Offer of Securities
The web site does not, and must not be construed as an offer to sell or an invitation of any offer to subscribe for or purchase any
securities or other financial products in any jurisdiction or country. The information in this web site does not make an offer and this
material will not result directly or indirectly in the making or acceptance of offers to sell, purchase or exchange securities.
Exclusion of Liability
The information provided in this web site is provided on the basis that you will not rely on it in any way. No member of the La Trobe
Financial Services Group will be liable for any direct, indirect, special or consequential loss or damage (including all legal costs on a
solicitor-client basis) or any claim, suit, demand, action or proceeding brought which results from, or in any way (including without
limitation through negligence) arises out of, this web site and your use of this web site (except to the extent that legislation precludes
such liability being excluded). You agree to indemnify and release the La Trobe Financial Services Group from any such liability. To the
extent that such liability arises, the aggregate liability of all members of the La Trobe Financial Services Group shall not exceed A
UD$20.00.
At La Trobe, we appreciate the importance of protecting your personal information and recognise the trust placed in us when you supply
your personal information to us. We are bound by the National Privacy Principles ("NPPs") under the Privacy Act 1988 (Cth) ("Privacy Act")
in the way that we handle personal information. To comply with the NPPs we have implemented a Privacy Charter. This Charter explains how
we handle personal information relating to individuals, whether or not they are customers; nothing in this Charter limits any of our other
obligations at law. Personal information we collect about you is handled in accordance with the Privacy Act 1998 and the following ten
(10) privacy principles:
Click on any of the sections below to reveal more details.
We collect only customer information that is needed, and we tell customers how we use it.
We limit the collection of information about our customers to what we need to know to administer their loan and investment accounts, to
provide customer services, to offer new products and services, and to fulfil any legal and regulatory requirements. We tell our customers
about the general uses of the information we collect about them, and we will provide additional explanation if customers request
it.
We give customers choice about how their data will be used.
On a regular basis, we give our customers the option to decide whether or not they wish to have their names removed from lists used for
mail, telephone and online marketing. These opt-out choices include product service offers from
La Trobe and those made in
conjunction with our business partners.
We ensure information quality.
We use advanced technology and well-defined employee practices to help ensure that customer data is processed promptly, accurately and
completely. We require high standards of quality from the customer reporting agencies and others who provide us with information about
prospective customers.
We use information safeguards.
Access to customer data is limited to those who specifically need it to conduct their business responsibilities. We use security
techniques designed to protect our customer data - especially when certain data is used by employees and business partners to fulfil
customer services.
We limit the release of customer information.
In addition to providing customers with the opportunity to opt out of marketing offers, we release information only with the customers'
consent or request, or when required to do so by law or other regulatory authority. When a court order or subpoena requires us to release
information, we will notify the customer promptly to give the customer an opportunity to exercise his or her legal rights. The only
exceptions to this policy are when we are prohibited by court order or law from notifying the customer, or in cases in which fraud and/or
criminal activity is being suspected.
We are responsive to customers' requests for explanations.
If we deny an application for our services or end a customer's relationship with us, to the extent permitted by applicable laws, we
provide an explanation, if requested. We state the reasons for the action taken and the information upon which the decision was based,
unless the issue involves potential criminal activity.
We extend these privacy principles to our business relationships.
We expect the companies we select as our business partners to honour our privacy principles in the handling of customer information. These
include companies that:
- assist us in providing services to our customers;
- supply us with information for identifying or evaluating prospective customers; or
- are given the opportunity to send mailings to approved La Trobe customer lists.
In selecting business partners, La Trobe considers the accuracy and quality of the data they provide, how they respond to customer
complaints and whether or not they provide opt-out choices for those whose information they process. We also participate actively in
industry associations to support strong and effective privacy guidelines and practices.
We hold employees responsible for our privacy principles.
Each La Trobe employee is personally responsible for maintaining consumer confidence in the company. We provide training and communication
programs designed to educate employees about the meaning and the requirements of this Privacy Charter. We conduct internal audits and
external reviews of our compliance with the privacy principles and the specific policies and practices that support the principles.
Employees who violate these principles or other company practices are subject to disciplinary action, up to and including dismissal.
Employees are expected to report violations - and may do so confidentially - to their managers or to the company's Senior Complaints and
Privacy Officer.
We detail access and correction policies and procedures.
We will endeavour to ensure that, at all times, the personal information about you which we hold is up to date and accurate. In the event
that you become aware, or believe, that any personal information which we hold about you is inaccurate, incomplete or outdated, you may
contact us by any methods detailed below and provide to us evidence of the inaccuracy or incompleteness or outdatedness and we will, if
we agree that the information requires correcting, take all reasonable steps to correct the information.
We are attentive to your privacy complaint.
If you wish to complain about any breach or potential breach of this Privacy Charter, you should contact us by any of the methods detailed
below and request that your complaint be directed to our head of Legal and Compliance. Your complaint will be considered within seven (7)
days and responded to. It is our intention to use our best endeavours to resolve any complaint to your satisfaction. However, if you are
unhappy with our response, you are entitled to contact the Office of the Privacy Commissioner who may investigate your complaint
further.
Please note from time to time it may be necessary for us to review our Privacy Charter, so we reserve the right to amend our Privacy
Charter at any time.If you have any questions about our Privacy Charter, or about the way we handle your personal information, please
contact: Mr Brian Ford, Chief Operating Officer on our customer service toll free number 1800 707 707, or write to:
Mr Brian Ford,
Chief Operating Officer
La Trobe Financial
PO Box 403
Traralgon Vic 3844
or email bford@latrobefinancial.com.au.
This email and any files transmitted with it are confidential and intended solely for the use of the individual or entity to whom they are
addressed. If you have received this email in error please notify the sender at La Trobe. If the email is addressed for you, it is your
responsibility to scan this communication and any files attached for computer viruses and other defects.
The La Trobe Financial
Services Group (La Trobe) including all related entities does not accept liability for any loss or damage (whether direct,
indirect, consequential or economic) however caused, and whether by negligence or otherwise, which may result directly or indirectly from
this communication or any files attached. In any event, our liability is limited to the cost of re-supplying this communication.
La Trobe: is a holder of an Australian Financial Services Licence No. 222213 and is regulated by the Australian Securities &
Investments Commission (ASIC).
This email and any files transmitted with it may contain information that we have obtained from third parties. We are therefore not the
source of this information, and, while believing the information to be true, disclaim any knowledge as to the truth or falsity of the
information, and disclaim any responsibility for the information. We are merely conveying this information to you.
It is an offence to send commercial electronic messages without having the recipient's express or implied consent. Implied consent may be
inferred if there is an existing business relationship and something about the person's conduct infers that the person has consented to
receiving emails (such as previously providing an email address to us or one of our staff). Your email address is part of the La Trobe
mailing list and from time to time you may receive emails on La Trobe's current activities. Although we attempt to ensure that emails are
sent to those with whom we have an existing business relationship and believe consent has been inferred, if you do not want to receive
correspondence from La Trobe in the future via email, please click the 'UNSUBSCRIBE' link below.
unsubscribe@latrobefinancial.com.au
You can review our Privacy Charter here.
Remember that the loan best suited to you might not have the lowest interest rate around, and cut-rate loans typically have the highest
application fees and low after-sales service. The features and service you get can be much more important. For instance, some of the
cheapest loans offered by other lenders won't let you make extra payments or allow you to make telephone enquiries regarding your account,
but La Trobe does.
Rates shown are indicative and for information purposes only and must be confirmed by your La Trobe home loan manager upon formal
application. Rates are subject to change. Comparison Rates are based on (UCCC) credit code purpose loans only and a loan amount of
$150,000 over a term of 25 years. Warning: The Comparison Rate applies only to the example or examples given. Different amounts and terms
will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are
not included in the Comparison Rate but may influence the cost of the loan.
We respect the privacy of everyone who visits this web site. Please read our
Privacy Charter carefully
so that you can understand how we collect and use the personal information that you provide to us. By submitting your personal data to us,
you will be treated as having given your permission for disclosures referred to in this policy.
Click on any of the sections below to reveal more details.
What does this privacy policy cover?
This web site is owned and operated by La Trobe Financial Services Pty Limited ABN 30 006 479 527. Visitors to this web site are bound by
the following terms and conditions so please read these carefully before going on. For the purposes of these terms and conditions, "this
web site" means the La Trobe homesite, which links to other La Trobe subsites.
Privacy Charter
Who is responsible for the personal information collected on this site?
La Trobe Financial Services Pty Limited ("La Trobe") controls the personal data collected on this site.
Information collection and use
We collect and use personal information including your name, address, telephone number and email in order to:
- respond to queries or requests submitted by you
- process orders or applications submitted by you
- administer or otherwise carry out our obligations in relation to any agreement you have with us
- anticipate and resolve problems with any products or services supplied to you
- create products or services that may meet your needs.
Providing you with additional information and sharing your information
From time to time we would like to use your personal information for purposes other than as set out in the above section. We believe that
these additional uses will be of benefit to you. However, we understand that you may not wish us to use your information in this way. We
will not use your information for the purposes set out below if you have indicated that you do not wish us to use your information in this
way when submitting the information. Additionally, if at any time you wish us to stop using your information for any or all of the below
purposes, please let us know. We will stop the use of your information for such purposes as soon as it is reasonably possible to do so.
In such cases we will, however, continue to use your personal data for the purposes set out in the above section for as long as it is
reasonable to do so.
From time to time we would like to use the information you supply to us for:
- market research and tracking of sales data
- informing you about our products and services, which may include contacting you by telephone
- giving the information to La Trobe affiliate offices and companies, to enable them to send you information which may be of
interest to you
- in addition, from time to time we would like to give your name, address and e-mail and any other personal data you supply to us to
selected third parties. These third parties may use this information for:
- market research and tracking of sales data
- sending you information about their products and services
- giving the information to their affiliate offices and companies to enable them to send you information which may be of
interest to you.
Collection of non-personal information
We may automatically collect non-personal information about you such as the type of internet browsers you use or the web site from which
you linked to this web site. We may also aggregate details which you have submitted to this web site (for example, your age and the town
where you live). You cannot be identified from this information and it is only used to assist us in providing an effective service on this
web site. We may from time to time supply third parties with this non-personal or aggregated data for uses in connection with this web
site.
The use of cookies
We may store some information (commonly known as a "cookie") on your computer when you look at this web site. We are able to
read these cookies for information purposes when you revisit this web site. The type of information we collect as a result of a cookie
being accepted by you is specific to your PC and includes the IP address, the date and time the PC visited the web site, what parts of
this web site were looked at and whether the web pages requested were delivered successfully. This information is anonymous; it represents
a computer rather than a person. We use the cookie information to improve our knowledge of the traffic and user activation of this web
site and to enable us to be able to ascertain whether this web site is operating at an optimal level. This allows us to enhance our web
offerings to you and to provide an enjoyable and an innovative online experience. You can erase or block this information by changing the
settings on your computer (please refer to your help screens or manuals). If you do erase or block this information you may not be able to
utilise some features of this web site.
Keeping our records accurate
We aim to keep our information about you as accurate as possible. If you would like to review or change the details you have supplied us
with, please contact us as set out below.
Security of your personal data
We have implemented technology and policies with the objective of protecting your privacy from unauthorised access and improper use and
will update these measures as new technology becomes available, as appropriate.
Use of your personal information submitted to other web sites
We cannot be responsible for the privacy policies and practices of other web sites even if:
- you accessed the third party web site using links from this web site; or
- you linked to this web site from a third party web site.
We recommend that you check the policy of each site you visit and contact the owner or operator of such web site if you have any concerns
or questions.
Submission of other's personal information
From time to time this web site may ask you to provide personal details of your family or friends, for example, so that we can send them
details of our products and services. Before providing such information, please ensure that you have obtained their consent to their
personal data being used in this way. We will not use these details in any manner which is incompatible with this policy.
Will this privacy policy change?
From time to time we may make changes to this policy. If we make any substantial changes to this policy and the way in which we use your
personal data we will post these changes on this page and will do our best to notify you of any significant changes. Please check our
Privacy Charter on a regular basis.
How you can contact us