The protection of your privacy and the confidentiality of your personal information is important to Land Layby Inc. Any information that we do collect in our dealings with you is kept confidential and will only be accessed by authorised persons within the Land Layby Inc and its subsidiary companies, authorised representatives and affiliated companies. We also ensure that any agents, contractors and/or third parties we engage to provide services to you, are bound by contractual obligations to protect your personal information.
The purpose of this policy is to clearly outline the types of information that Land Layby Inc collect and how we store and manage that information.
Types of Information that we collect
We will only collect information from you that is reasonably necessary to undertake our business activities and functions. The types of information that we will collect will depend on the products, benefits and services you have asked us to provide.
The types of personal information we may ask for include your name, address, date of birth, ID or Passport number and contact details. We may also ask for further information that is necessary for the provision of other services, such as property details. We will not collect, use or disclose information about you unless it is reasonably necessary to provide you with a product or service, unless we are legally required or permitted to collect, use or disclose that information.
Why we collect personal information
Land Layby Inc collects personal information from you, in order to identify you, assess applications and provide products, benefits and services to you.
How we collect your information
In most cases, we will only collect information from you directly, this can include written applications, face-to-face in our branches or when you contact us via telephone or electronic means such as the Internet or email. Occasionally, we may collect personal information from other parties when required, such as to process finance products preapproval.
Information collected online by Land Layby Inc
Our online resources include, but are not limited to websites and mobile applications 'apps'. Information collected by these resources may collect the following information:
- 1. Server address / IP address.
- 2. Date and time of visit to our site.
- 3. Pages visited.
- 4. Documents downloaded.
- 5. The site you visited prior to visiting our website.
- 6. The browser that you are using to access our resources.
- 7. If you have visited our website before.
- 8. Tracking user preferences.
In addition to the above, mobile apps may collect location data; however, you will be notified if this is the case. Most of our online resources use sessions and/or cookies. The functionality of these resources will function if you disable these, however, you may be unable to access some functions if these are disabled.
If you chose not to give us personal information
If you chose not to provide Land Layby Inc with the information that we have requested, in most cases, we will be unable to provide the service you have applied for, or administer a service that you have already purchased. Where this arises, we will advise you why.
We only collect and disclose your information after obtaining your consent, or where otherwise permitted by law. Your consent can be express or implied. Express consent can be verbal or written, for example when you apply for membership, after signing the application, you are giving express consent to share your information with financial institutions should you require loan facility. Your implied consent is taken when Land Layby Inc can reasonably conclude by some action you take, or if you decide to take no action, for example when you call us and continue to speak to us after hearing that calls maybe recorded or when you provide us with personal information that we have not specifically requested.
Keeping your information safe
Land Layby Inc maintain strict protocols for the storage of information and this will only be accessed by people that have the authority to do so. We maintain physical security (such as locks and security systems) and electronic security (such as firewalls and access controls for computer systems). We will destroy personal information if it is no longer needed: for the purposes for which we collected it; or for the purposes of meeting legal and regulatory requirements. We will properly dispose of all paper files, correspondence and any other hardcopy documents that contain personal information that is no longer needed.
All information stored in electronic form that is no longer required will be deleted from our systems.
How we use your information
We use the personal information we collect to provide services, benefits and products to you. In order to do this we may need to disclose some of your personal information to other people or organisations. This may include, but is not limited to contractors, agents or organisations that we have an alliance or arrangement with. We may also use personal information for other purposes where you would reasonably expect us to and the purpose is related to the purpose of collection, or where otherwise permitted by law. We may also from time to time, use your information to market services or products of Land Layby Inc and other companies we believe may be of interest to you. If you do not wish to receive such material, you can contact us at any time and we will generally process your request within 14 days of receipt.
Disclosure of your information to third parties
Personal information that we collect from you may be disclosed to:
- 1. Any entity to which we are required or authorised by or under law to disclose such information (for instance, law enforcement agencies and investigative agencies, courts, various other government bodies).
- 2. Other third parties that you have been informed of at the time when any personal information is collected from you.
- 3. Our contractors, agents or business partners for purposes directly related to the purpose for which the personal information is collected.
- 4. Our professional advisors and other contractors (for example IT consultants).
- 5. External providers of services that where you have engaged us to act as your agent, such as booking flights, hotels tours etc.
We may also disclose your personal information where otherwise permitted or required by law.
Disclosure of your information to third parties overseas
Land Layby Inc on occasion may need to disclose your personal information to an overseas recipient where you have to have engaged us to act as your agent and the services you have requested us to provide require us to deal with overseas organisations.
Where Land Layby Inc acts as your travel agent, it may be necessary for us to disclose personal information to an overseas travel provider for the purposes of arranging your booking with them. As we deal with many providers world-wide, it is not possible for us to set out in this policy, all of the different countries to whom we may send your information, however, should you have any specific questions relating to whom your personal information may be sent, please refer to your travel consultant.
Accessing your personal information
If you request it, we will provide you a summary of any personal information held about you If you request detailed information, Land Layby Inc may charge a fee for the retrieval of this information.
Any requests for information will be processed within a reasonable timeframe (usually within 12 business days). If the retrieval of information involves accessing archived information and will take longer than normal, we will endeavour to provide you with an estimated time frame. Under some circumstances, we may refuse you access to personal information where denying access is required or authorised by law, for example if access would pose a threat to life or the health of anyone, where the request for access is regarded as frivolous or vexatious, or where information relates to anticipated or legal proceedings. If you are denied access to your information, we will explain why.
How we keep your information up to date
We will take reasonable steps to ensure that your personal information is accurate and up to date and we will correct this as soon as we know otherwise. You have the right to ask us to correct your information. If you learn that your information needs to be updated, you should contact us as soon as possible and we will process your request. If we refuse to correct your information, we will explain why in writing, and advise you of the mechanisms available to you to complain. You also have a right for a statement to be attached to your personal information if Land Layby Inc disagrees with your request to correct the information held.
Changes to this policy
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