Legal Information for LNG Mortgage Solutions

1. Introduction

LNG Mortgage Solutions (referred to as "we," "our," or "us") is committed to protecting the privacy of personal information in compliance with the Australian Privacy Principles under the Privacy Act 1988 (Cth). This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information.

2. Types of Information Collected

We may collect various types of personal information, including:

Contact information (name, address, email, phone number)
Financial details (income, expenses, credit history)
Employment information
Identification documents (driver's license, passport)
Details related to mortgage or loan requirements

3. Methods of Collection

We collect information in several ways:

Directly from you (e.g., via forms, phone calls, emails)
Through our website (cookies, online forms)
From third parties (e.g., credit reporting agencies, referral partners)

4. Use of Information

We may use your personal information for the following purposes:

To provide mortgage broking services and assess loan eligibility
To communicate with you about your loan application
For marketing purposes (with your consent)
To comply with legal obligations

5. Disclosure of Information

We may disclose your information to:

Lenders and financial institutions
Service providers (e.g., IT service providers)
Regulatory authorities, as required by law
Other third parties with your consent

6. Security Measures

We take reasonable steps to protect your personal information from unauthorized access, modification, or disclosure by using secure storage systems, data encryption, and access controls.

7. Access and Correction

You have the right to access and correct your personal information. Contact us at email: liem.ngo@lngmortgagesolutions.com.au or at 0415 455 009 to make a request.

8. Complaints

If you believe we have breached your privacy, please contact us at email: liem.ngo@lngmortgagesolutions.com.au or at 0415 455 009. We will investigate your complaint and respond within a reasonable timeframe.

9. Changes to the Policy

We may update this Privacy Policy periodically. Any changes will be posted on our website, and you should review the policy regularly.

1. Acceptance of Terms

By using LNG Mortgage Solutions’ services or accessing our website, you agree to be bound by these Terms of Service. If you do not agree, please discontinue the use of our services.

2. Services Offered

We provide mortgage broking services including assistance with loan applications.

3. User Responsibilities

You agree to:

Provide accurate and complete information
Use our services in accordance with the law
Follow any instructions provided regarding your loan application

4. Disclaimers and Limitations of Liability

Our services are provided "as is" and "as available." We do not guarantee that our services will be error-free or uninterrupted. To the fullest extent permitted by law, we exclude all warranties and disclaim liability for any loss or damage arising out of your use of our services.

5. Termination

We may terminate or suspend your access to our services for violations of these terms or if required by law.

6. Governing Law

These Terms are governed by the laws of Australia. Any disputes will be subject to the jurisdiction of the courts in Australia.

7. Changes to the Terms

We may update these Terms of Service from time to time. Any changes will be posted on our website, and you should review the terms regularly.

Disclaimer

1. General Information

The information on our website and provided through our services is general in nature and does not constitute financial or legal advice. Clients should seek specific advice for their circumstances.

2. No Guarantees

While we strive to ensure the accuracy of the information provided, we make no guarantees or warranties regarding the accuracy, completeness, or reliability of the information.

3. No Liability for Actions Taken

LNG Mortgage Solutions is not liable for any actions taken based on the information provided through our website or services.

4. Third-Party Content

Our website may contain links to third-party websites. We are not responsible for the content or accuracy of these external sites.

Complaints Handling Policy

1. Purpose and Scope

This policy outlines our process for handling complaints to ensure they are addressed in a fair and efficient manner.

2. How to Make a Complaint

Complaints can be submitted by:

Email: liem.ngo@lngmortgagesolutions.com.au
Phone: 0415 455 009
Mail: 1/25 Yeats Drive, Delahey VIC 3037

Please provide your contact details, a description of the issue, and any supporting documents.

3. Complaints Process

We will acknowledge receipt of your complaint within 5 business days and aim to resolve the issue within 20 business days. If further time is needed, we will keep you informed.

4. Review Process

If you are not satisfied with the outcome, you may request a review of the decision by contacting external dispute resolution (EDR).

Name: AFCA

Phone: 1800 931 678

Address: Australian Financial Complaints Authority, GPO Box 3 Melbourne, VIC 3001

5. Record Keeping

We maintain records of all complaints to ensure compliance and improve our services.

AML/CTF Policy

1. Commitment to Compliance

LNG Mortgage Solutions complies with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.

2. Customer Identification Procedures (KYC)

We verify customer identities using documents such as passports, driver’s licenses, and utility bills before providing financial services.

3. Transaction Monitoring

We monitor transactions for suspicious activities and have procedures in place for identifying and reporting them.

4. Reporting Obligations

We are obligated to report any suspicious activities to the relevant authorities (e.g., AUSTRAC).

5. Record Keeping

Transaction records and identification documents are retained for at least seven years.

6. Staff Training

Staff undergo regular training to remain updated on AML/CTF compliance requirements.

1. Ownership of Content

All content on our website, including text, images, logos, and designs, is owned by LNG Mortgage Solutions and is protected by copyright laws.

2. Permitted Use

Users may access and download content for personal, non-commercial use. Any other use requires our prior written permission.

3. Restrictions

You may not:

Reproduce or distribute content without permission
Use our trademarks without consent
Alter or modify any materials

4. Copyright Infringement

If you believe your intellectual property rights have been infringed, please contact us at liem.ngo@lngmortgagesolutions.com.au to resolve the matter.