Rismark International Funds Management Ltd ABN 15 114 530 139 AFS licence number 293881 (trading as Rismark International) ("Rismark", "we", "us", "our") respects your privacy. Our Website Privacy Policy details how we collect, use and disclose your personal information.

RISMARK'S COMMITMENT TO PROTECT YOUR PRIVACY

Rismark seeks to provide the best possible service to its customers by providing the best possible range of financial products and services.

We understand how important it is to protect your personal information. Our Website Privacy Policy sets out our commitment in respect of personal information that you may provide to us via the Rismark website.

We recognise that any personal information we collect about you will only be used for the purposes indicated in this policy. It is important to us that you are confident that any personal information we collect from you or is received by us will be treated with appropriate respect ensuring protection of your personal information.

Our commitment in respect of personal information is to abide by the National Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.

WHO IS RISMARK?

Rismark is the organisation that has developed the Equity Finance Mortgage ("EFM"). The Rismark group is a global funds management enterprise that has significant expertise in the execution of sophisticated real estate investment, securitisation and active portfolio management strategies.

PERSONAL INFORMATION

When we refer to personal information we mean information from which your identity is apparent. This information may include information or an opinion about you, from which your identity can reasonably be ascertained.

WHY RISMARK COLLECTS YOUR PERSONAL INFORMATION

We collect and receive personal information from you or from other business referrers in order to conduct our business, including assessing and obtaining approval for loans. From time to time we may offer other products and services.

To enable us to maintain a successful business relationship with you, we may disclose your personal information with other organisations that provide products or services used or marketed by us. The types of organisations to which we are likely to disclose information about you include other mortgage intermediaries, lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting agencies, and lawyers. We may also disclose your personal information to any other organisation that may have or is considering having an interest in your loan, or in our business.

HOW DO WE COLLECT YOUR PERSONAL INFORMATION?

Subject to the use of cookies (explained below), we will not collect any information about you through this website except where you knowingly provide it to us. The information we collect about you from this website will depend on how you use the website.

For example, if you visit this website only to browse or download information, the information that we collect (through standard weblogs) will not identify you or any of your personal details. If you complete an enquiry on-line or otherwise enter personal details onto the website, we will only collect the information once you submit that enquiry to us. If you leave the website prior to submitting the query, the information you have entered will not be saved.

Where reasonable and practical we will collect your personal information only directly from you.

COOKIES

A "cookie" is a small-text file that is transferred to your computer hard drive by a web page server. It stores information about the use of a website.

Most web browsers are set to enable cookies. However, you may change the way in which a cookie is accepted (or whether it is accepted at all) by changing the configuration of your browser.

TO WHOM WILL RISMARK DISCLOSES YOUR PERSONAL INFORMATION?

Rismark may disclose the personal information you provide for the purposes of arranging or providing credit and for direct marketing of products and other services offered by Rismark or an organisation we are affiliated with or represent.

Prior to disclosing any of your personal information to another organisation, we will take all reasonable steps to satisfy ourselves that:

(a) the organisation has a commitment to protecting your personal information at least equal to our commitment; and

(b) you have consented to us doing so.

Sometimes we are required or authorised by law to disclose your personal information. Circumstances in which we may disclose your personal information would be to a Court or Tribunal in response to a request or in response to a subpoena or to the Australian Taxation Office.

DIRECT MARKETING

From time to time Rismark may use your personal information to provide you with current information about our loans, special offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company we are associated with.

If you do not wish to receive marketing information, you may at any time decline to receive such information by contacting our offices by telephoning +61 (0)2 8243 0600 or by writing to us at The Privacy Officer, Level 13, 50 Margaret Street, Sydney NSW 2000, Australia. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.

UPDATING YOUR PERSONAL INFORMATION

It is important to our relationship that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we will ask you to inform us if any of your personal information has changed.

If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to assist us in informing us if the information we hold about you is inaccurate or incomplete.

ACCESS TO YOUR PERSONAL INFORMATION

We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time.

To access personal information that we hold about you, use the contact details specified above. We may charge a fee for our costs in retrieving and supplying the information to you.

DENIED ACCESS TO PERSONAL INFORMATION

There may be situations where we are not required to provide you with access to your personal information. For example, such a situation would be information relating to an existing or anticipated legal proceeding with you, or if your request is vexatious.

An explanation will be provided to you, if we deny you access to your personal information we hold.

BUSINESS WITHOUT IDENTIFYING YOU

In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where, it is lawful and practicable to do so, we will offer you the opportunity of doing business with us, without providing us with personal information. Such a situation would be where you telephone our offices to make general inquiries about interest rates or current promotional offers.

Where sensitive information is collected, stored, used or transferred about you, we will only use this information if you have consented or in the exercise or defence of a legal claim. Sensitive information is information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional association or trade unions, sexual preferences, criminal record, or health.

HOW SAFE AND SECURE IS YOUR PERSONAL INFORMATION THAT RISMARK HOLDS?

Rismark will take reasonable steps to protect your personal information by storing it in a secure environment, and when the information is no longer needed for any purpose for which the information may be used or disclosed, it will be destroyed or permanently de-identified.

We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.

FURTHER INFORMATION

You may request further information about the way we manage your personal information by writing or emailing us.

The Privacy Officer
Rismark International
Level 13 | 50 Margaret Street
Sydney | NSW 2000 | Australia
T: +61 (0)2 8243 0600
F: +61 (0)2 9290 3703
E: info@rismark.com.au

Note:  Rismark's EFMs are also sometimes known as equity mortgages, "shared equity" loans, shared appreciation mortgages (incorrectly, since under the EFM the lender may wear depreciation!), or silent partner loans.