INTRODUCTION.
The privacy of personal information you
provide to us (your personal information) is
important to us.The following privacy policy
governs the collection and use of your
personal information by Bright Marketing Services
its related entities,subsidiaries,employees
and the broker that will assist you (“we”,“us”
or “the Group”).This privacy policy sets out
how we intend to respect your rights
to privacy in accordance with the National
Privacy Principles contained in the Privacy Act
1988 (Cth).The National Privacy Principles
will apply from their introduction on
21 December 2001.

HOW WE COLLECT PERSONAL INFORMATION.
We may collect personal information from
you through our call centres and through our
website in our online application forms
and surveys.

WHAT PERSONAL INFORMATION
DO WE COLLECT?
We collect personal information about you to
enable us to provide certain services to you ie a free quote

we will endeavour to specify which
information we require for our purposes and
which information may be provided at your
option.You may choose not to supply any
optional information requested by us but our
ability to assist you may be restricted.

HOW DO WE USE YOUR PERSONAL
INFORMATION?
WE USE YOUR PERSONAL INFORMATION
TO ASSIST US IN:

1.Conducting our business.
2. Completing a transaction to which the
provision of that personal information
relates,for example,in the completion of
internet services contracts;
3. To communicate information about our
products and services to you;
4.For our internal administrative,marketing,
planning,product development and
research requirements.

At any time you may opt out of receiving any
communications from us (other than as
required for the operation of our business).

If you wish to opt out of receiving
communications from us please either
contact your broker or our Privacy Officer
whose contact details are set out later
in this policy.

DO WE DISCLOSE YOUR PERSONAL
INFORMATION TO OTHERS?
We do not sell our client lists to third parties.
We will not disclose personal information
about you to any person outside the Group
except on a confidential basis to our pproved
panel of lenders,and agents that we may use
in the ordinary operation of our business,such
as for data processing,printing or mailing.
These third parties are strictly prohibited from
using your personal information for any other
purpose.We will only disclose to these third
parties that information necessary for them to
perform their services.Otherwise,we do not
disclose personal information unless we are
required to do so by law or regulation. We
are a franchise network and your personal
information may be disclosed between
Mortgage Choice and its brokers within the
Group to facilitate a transaction to which the
provision of that personal information relates
or to enable us to properly conduct our
business within the Group.

YOUR ACCESS RIGHTS TO THE PERSONAL INFORMATION WE HOLD
At any time,you may ask us to provide you
with a list of the personal information we hold about you,and copies of that personal
information.We will endeavour to provide you with the data within 30 days of receiving your request.We may charge you a small fee to cover any administrative costs that we may incur in providing personal information to you. If you believe for any reason that we are holding inaccurate or incomplete data about you,you may ask us to correct it.We will consider if the information requires amendment.If we do not agree that there are grounds for amendment,then we will add a note to the personal information stating that you disagree with it.
Financial information becomes out of date
very quickly and so we will update that
information if it is required in any future
dealings we may have with you.
We will take reasonable steps to destroy or
de-identify your personal information when
your personal information is no longer
required for our business functions.

HOW DO WE STORE YOUR PERSONAL
INFORMATION?
We take all reasonable steps to protect your
personal information from misuse,loss,
unauthorised access,modification or
exposure.We require all staff to maintain the
confidentiality of customer information.
Access to information stored electronically is
restricted to employees whose job requires
access to the information.Access to our
computer systems is restricted through
password protection.

CONTACTING US AND FEEDBACK.
You can make any requests relating to your
personal information held by us or any
complaints regarding treatment of your

privacy by contacting:
The Privacy Officer
Bright Marketing Services (T/as Hot Water Now)

10 Warehouse Lane;

Mawson Lakes

South Australia

5095

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