Priavcy Policy
All information (including but not limited to the property area, ,floor size, price,
address and general property description) on the Website is provided as a
convenience to you, and has been provided to Combined by third parties.
In placing the information on the Website, Combined have received information
passed on from third parties. Combined have no belief one way or the other as to
whether the information contained on the Website is correct, neither Combined nor
its, partners, licensors or suppliers (nor their respective directors, affiliates or
employees) have checked the accuracy of the information and do no more than pass
it on. The do not accept liability (direct or indirect) for any injury, loss, claim, damage or incidental or consequential damages, including but not limited to lost profits or savin, arising out of or in any way connected with the use off any information, or any error omission or defect in the information, contained on the Website.
Information contained on the Website should not be relied upon and you should
make your own enquiries and seek legal advice in respect of any property on the
Website or the information about the property contained on the Website.
Prices displayed on the Website are current at the time issued, but may change at
any time and are subject to availability.
CALCULATORS: The results from calculators supplied on this website should be
used as an indication only. Results do not represent either quotes or pre-
qualifications for a product or service. It is advised that you consult your legal advisor or financial advisor before proceeding with any transaction.
HYPERLINKS TO THIRD PARTY SITES: This website may contain hyperlinks to
websites operated by parties other than Combined. Such hyperlinks are provided for reference only. Combined does not control such websites, and is not responsible for their contents. Combined’s inclusion of hyperlinks to such websites does not imply any endorsement of the information or material available on such websites or any association with their operators, and you use such websites, including information, material, products and services contained in them, solely at your own risk.
Furthermore, because Combined’s privacy policy is applicable only when you are on
this Website, once linked to another website, you should carefully read that website’s privacy policy before disclosing any personal information. In certain circumstances Combined may receive a commission, fee or reward for a hyperlink, pointer or other introduction to a third party website. Combined is not liable to disclose the basis of such commission fee, or reward except as may be and only to the extent required by law.
USE OF WEBSITE: As a condition of your use of the website or any services on the
website, you warrant to Combined that you will not use the Website for any purposes
that is unlawful or prohibited by these Terms & Conditions. In particular, but without
limitation, you agree not to:
Use the website to defame, abuse harass, store, threaten or otherwise offend
others;
Publish, distribute, email, transmit or disseminate any material which is
unlawful, obscene, defamatory, indecent, offensive or inappropriate ;
Use any automated scripting tools or software
Engage in or promote any unsolicited emailing or spamming via the website
Impersonate any person or entity
In any way make available using the website any material that you do not
have a right to make available or which contains viruses or other computer
codes files or programmes designed to interrupt, limit or destroy the
functionality of other computer software hardware
CHANGES TO SITE: Combined and its suppliers may make improvements or
changes in the information, services, products and other materials displayed on
this website, or terminate this website, at any tie without notice. Combined may
modify the terms and conditions on this website. Accordingly, you agree to read
the terms and conditions on this Website. Accordingly, you agree to read the
terms and conditions on a regular basis, and your continued access or use of this
website will be deemed to be your acceptance of the modified terms and
conditions.
GOVERNING LAW: These terms and conditions and the resolution of any
dispute between Combined and you will be governed by and construed in
accordance with the laws of Australia, without giving effect to any principles of
conflicts of law. Combined’s failure to insist upon strict enforcement of any
provision of these terms and conditions will not constitute a waiver of any
provision or right. Any legal action or proceeding between Combined and you
related to these terms and conditions will be brought exclusively in a court of
competent jurisdiction in Australia.
Privacy Policy
Combined Real Estate recognise the importance of protecting the privacy and the
rights of individuals in relation to their personal information. This document is our
privacy policy and it tells you how we collect and manage your personal information
under the Privacy Act 1988 (Cth) (Privacy Act).
By using our services and by continuing to use our website you consent to us
collecting, maintaining, using and disclosing your personal information in the way
described in this Privacy Policy.
Definitions:
In this policy:
(a) Credit Assistance Provider means a person or entity that provides credit
assistance (for example, mortgage and finance broking) for the purposes of
the National Consumer Credit Protection Act 2009 (Cth);
(b) Credit Related information means information about your current relationship
and debts with credit providers, your credit history and other information
pertaining to your credit worthiness, which may be derived from a credit
report about you.
(c) Related Body Corporate has the same meaning as under the Corporations
Act 2001 (Cth);
(d) Related Entity has the same meaning as under the Corporations Act 2002
(Cth);
(e) Sensitive Information has the same meaning as under the Privacy Act.
(f) Website means www.combinedre.com.au,
www.combinedre.com.au or any other website we may establish or operate
from time to time.
(g) The meaning of any general language is not restricted by any accompanying
example, and the words ‘include’, including, such as, for example’ or similar
words are not words of limitation.
3. why do we collect personal information and how we use it?
(a) We offer a range of services, including providing appraisals of properties, acting
as a real estate agent for the buying and selling of properties, leasing properties,
advertising properties, acting a Credit Assistance Provider, business broking and
providing conveyancing and property settlement agents ( Services)
(b) We collect personal information to enable us to provide our Services.
This includes:
(i) processing enquiries;
(ii) facilitating the sale, purchase, advertising of properties and businesses;
(iii) recording persons entering a landlord or seller’s property (e.g. for inspection,
survey or appraisal purposes);
(iv) facilitating the leasing of properties (including advertising the properties) and
acting as property manager;
(v) providing conveyancing and property settlement services;
(vi) providing financial advice and services;
(vii) for our internal business operations;
(vii) complying with our legal obligations;
(ix) advising clients of additional services or information which may be of interest;
(x) providing your contact details to our partners and contractors who provide us with
services;
(xi) maintaining and updating our business infrastructure and systems;
(xii) statistical purposes;
(xiii) promoting and advertising our business, products and services;
(xiv) franchise purposes, including assessment of franchise applications and
management of our franchises; and
(xv) insurance and governance purposes.
(c ) if we do not collect the personal information or if any of the personal information
you provide is incomplete or inaccurate, we may not be able to provide the Services
of those Services may be compromised.
What personal information do we collect?
The personal information we collect will depend on the Service or Services we
provide to you. It may include:
(a) Your name, residential or business address, contact phone numbers, email
address;
(b) Family details
(c) Employment details
(d) Financial information, including assets, liabilities, income, outgoings, spending
patterns and credit reference reports;
(e) The value of the property;
(f) Insurance details;
(g) Credit card and banking details
(h) sensitive information
(i) credit related information
(j) information in respect to a will or estate
(k) references (e.g. to support rental arrangements);
(l) copies of photo identification (e.g. drivers licence, passport, student ID);
(m) any other personal information relevant to the service wea re providing to you.
How do we collect personal information?
(a) we aim to collect personal information directly from you.
(b) we also collect personal information;
(i) from your representative (e.g. solicitor, accountant or financial adviser) ;
(ii) through our Website and by other electronic communication channels
(iii) when sent to us by email or other communication parties;
(iv) from publicly available sources of information including social media;
(v) when we are required to do so by law;
(vi) from Strata or Body Corporate, Strata or Body Corporate Managers and On-Site
Managers;
(vii) when you enter into a competition or promotion with us or participate in a survey including an ‘after sales service’ follow-up; and
(viii) from our own records
(c ) if you supply personal information to us about another person, you represent and we accept it on the basis that you are authorised to do so and that the relevant
person has consented to the disclosure to us.
(d) Each time you visit our website our server collects some anonymous information, know as click-stream data, including the type of browser and system you are using, the address of the website you have come from and move to after your visit, the date and time of your visit and your server’s IP address. We may collect this information for statistical purposes to find out how our website is used and navigated, including the number of hits, the frequency and duration of visits and most popular session times. We may use this information to evaluate and improve the
Website’s performance.
( e) a Cookie is a piece of information that our web server may send to your
machine, but does not identify you or give us any information about your computer.
A cookie helps us to recognise you when you re-visit the Website and to co-ordinate
your access to different pages on the Website.. With most internet browsers, you can erase cookies from your computer hard drive, block all cookies, or receive a warning
before a cookie is stored. If you want to do this, refer to your Browser instructions or help screen.
(f) links on our Website may take you outside our network. These links are provided
in goof faith. However, we are not responsible for third party sites and accept no
responsibility for the content, accuracy, security or function of third party sites.
Considerations when you send information to us
(a) While we do all we can to protect your privacy, including investing in specialist
security software, no data transfer over the internet is 100% secure.
(b) if you provide personal information to us electronically, there are ways you can
help maintain the security of the information. These include:
1. always close your browser when you have finished your user session;
2. do not provide personal information by using a public computer, and
3. never disclose your username and password to another person
( c) you are responsible for all actions taken using your username, email or
password. If at any time you believe your username or password have been
compromised, change your password and contact us immediately.
Disclosing information
We may disclose your personal information to third parties in certain circumstances
including:
A. if you agree to the disclosure;
B. When we use it for the purpose for which it was collected, e.g. as part of a
sale or leasing processor in the provision of another service;
C. To employees, contractors, franchisees and service providers who assist us in
operating our business and providing services
D. In circumstances where you would reasonably be expected to consent to
information of that kind being passes to a third party
E. Where disclosure is required or permitted by law
F. If disclosure will prevent or lessen a serious or imminent threat to someone’s
life or health, or
G. Where it is reasonably necessary for the enforcement of the criminal law, a
law imposing a pecuniary penalty or the protection of public revenue.
When we act as a Credit Assistance Provider
(a) When we act as a Credit Assistance Provider, we may disclose personal
information to our:
1. Related Bodies Corporate
2. Credit Reference Providers
3. Brokers
4. Approved panel of lenders
5. Service providers
6. Persons taking an interest in the property either as a co-owner, insurer or
security provider
7. Agents
8. Aggregators; and
9. Mortgage managers
(b) we will use and disclose the personal information disclosed to us in our capacity
as Credit Assistance Provider to:
1. assess whether you ay qualify for a loan
2. Assist you to decide on a suitable loan
3. Assist in the compiling of information and documentation for submission to
a potential lender
4. Obtain any additional information that may be required by a potential lender
including obtaining a credit reference from a Credit Reference Provider or
obtaining Repayment History Information
5. For administrative and compliance purposes
6. Assess and administer commission payable by you: and
7. Advise you of other financial products and services that may be of interest
to you.
Disclosure of personal information off-shore
(a) when providing our services (including purchasing or selling a property or
arranging finance), we may provide services or disclose personal information in
countries other than Australia. This may include Sensitive information
(b) in addition to Australia, the countries where information may be disclosed include New Zealand, Hong Kong, Japan, Indonesia, Vanuatu, Papua New Guinea, United Arab Emirates, India, Thailand, Phillipines and other countries from time to time.
(c ) Off-shore disclosure may be through arrangements we have with entities in other countries that supply internal portals which facilitate the advertising of properties and businesses for sale to overseas buyers.
This includes a concierge service provided for Asian buyers by one of the
international portal providers. The concierge receives inquiries in respect to
properties or businesses from Asian buyers and refers them to the relevant agent in
Australia to progress the inquiry. The concierge also provides an optional translation and communication service with Asian buyers who do not speak English.
(d) The overseas recipient may not be subject to any privacy obligations or to any
principles similar to the Australian privacy obligations or to any principles similar to the Australian Privacy Principles. The overseas recipient may also be subject to a
foreign law which could compel disclosure of personal information to a third party, for example, an overseas authority.
(e ) If you consent to the disclosure and the overseas recipient handles the
information in breach of the Australian Privacy Principles, you will not be able to seek
redress under the Privacy Act, may not be able to seek redress in the overseas
jurisdiction and we will not be accountable under the Privacy Act
(f) by providing us with personal information you consent to us using and disclosing your personal information off-shore. If at any time you wish to withdraw your
consent, contact our Privacy Officer. However, we may not be able to provide the
service you have requested in whole or in part or those services may have to be
modified.
How your information is stored
(a) we take reasonable steps to securely store personal details and information. This
includes electronic and physical security measures, staff training, use of password
protection software. Details of our security systems are available by contacting our
Privacy Officer.
(b) when the personal information that we collect is no longer required, we will
remove or de-identify the personal information as soon as reasonably possible. We
may, however, retain personal information for as long as is necessary to comply with any applicable law, for the prevention of fraud, for insurance and governance
purposes, in our IT back-up, for the collection of any monies and to resolve disputes.
Marketing and opting out
(a) we do not use Sensitive Information for marketing purposes
(b) if at any time you no longer wish to receive any additional marketing material
from us or do not want your information disclosed for direct marketing purposes,
contact our Privacy Officer and we will remove your details from our marketing
database
How you can update, correct, or delete your personal information
(a) you may request access to your personal information or correct any inaccurate or out of date information contacting our Privacy Officer using the details below.
(b) you may request the source of any information we collect from a third party. We
will provide this at no cost, unless under the Privacy Act or other law there is a
reason for this information being withheld.
( c) If there is a reason under the Privacy Act or other law for us not to provide you
with information, we will give you a written notice of refusal setting out the reasonsfor the refusal except to the extent it would be unreasonable to do so and the
mechanisms available to you to complain about the refusal
(d) you should also contact us immediately if you believe:
1. someone has gained access to your personal information
2. we have breached our privacy obligations or your privacy rights in ay way;
or
3. you would like to discuss any issues about our privacy policy
Changes to our Privacy Policy
(a) This document sets out our current Privacy Policy
(b) Our privacy policy will be updated from time to time. You should review our
Privacy Policy each time you visit our Website or provide us with personal
information
(c ) if you would like further information on our Privacy Policy or if you have
concerns over the protection of the information you have given to us or that we have collected from others, please contact us.
More information about your rights and our obligations in respect to privacy and
information on making a privacy complaint are available from the Office of Australian Information Commissioner by:
Website – www.oaic.gov.au
mail – GPO box 5218 Sydney NSW 2001
email – [email protected]
