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Your Privacy



Information Collected by RAMS


RAMS logs all activity and maintains audit trails of usage of this site. We use this information in the detection and prevention of fraud or other malicious activities.

In order to better understand how our customers use this web site, we collect and analyse aggregate information about our site users. This includes such things as what time of day people visit the site, what browser they use and what pages they visit. No personal or other information which may be used to identify you is included in this analysis.

Information Privacy


At RAMS we care about your privacy and your trust is important to us.

Should you have any queries or concerns about your privacy please contact the RAMS Privacy Officer, Locked Bag 5001, Concord West, NSW 2138 or phone 13 RAMS, that's 13 7267 or send an email to privacy_officer@ramsservicing.com.au.

Cookies


This site uses "cookies". A cookie is a small piece of information stored on your computer which is sent to the RAMS web site each time you request a page. We use cookies to help us deliver a more functional and intelligent site to you.

No username, password or personal information is ever stored in a cookie.

If your browser does not accept cookies, you will not be able to use this website. To turn on cookies, use the following commands:


Netscape Navigator
Tools - Options - Privacy - Cookies - Accept cookies from sites

Microsoft Internet Explorer
Tools - Internet Options - Privacy - Medium Privacy (or Low Privacy, or Accept All Cookies)

Email


RAMS does not send "spam" unsolicited email. We will only contact you if you have authorised us to do so. We use these messages to provide you with information about our products and services. We may contact you to ask your opinion on our website features or processes.

PRIVACY POLICY STATEMENT


At RAMS, information is the cornerstone of our ability to provide superior service and our most important asset is your trust. The Privacy Act 1988 regulates the way RAMS uses personal information provided about you. Personal Information includes any information from which you can be reasonably identified. This statement explains your privacy rights and our rights and obligations in relation to your personal information. Should you have any queries with regards to this policy, you may contact RAMS using our details provided in the Customer Service section below.

Collection


RAMS collects personal information that is necessary for us to process your application, maintain your home loan, allow us to identify you and deliver the benefits of the home loan to you and keep you informed about other products, services and special offers that may be of interest to you. Parts of the information we have requested is required by the Financial Transaction Reports Act 1988. If all or part of the information requested in the Application Form is not provided then we may not be able to process your application.

Disclosure


To assist us in providing the best possible service to you, we may disclose to and exchange your personal information with the following organisations: Westpac Banking Corporation, RAMS Financial Group Pty Ltd, any other member of the Westpac Group and franchisees of RAMS Financial Group Pty Limited (the 'Parties') as well as anyone (a 'Service Provider') that the Parties engage to do something on their behalf. A Party might also give any information to entities other than another Party and the Service Providers where it is required or allowed by law or where you have otherwise consented. Should you require any further information in relation to the identity of any of the Parties, Service Providers or other entities information is provided to or how they use or disclose your personal information please contact RAMS Privacy Officer using our Customer Service details listed below.

Access and Correction


You have a right to access your personal information held by RAMS. Should you require such access, please contact us as per the Customer Service details below and we will send to you a Request for Personal Information Form. We may charge a fee depending upon the type and quantity of information provided.

Marketing


RAMS or our alliance partners will keep you informed about products, services and other special offers that may be of interest to you. However, if you do not wish these offers to be communicated to you, you can notify us using our Customer Service details listed below.

Customer Service


If you have any queries or concerns please contact RAMS Privacy Officer, Locked Bag 5001, Concord West, NSW, 2138 or phone 13 7267.