Privacy Policy

MSA National Pty Ltd (MSA) is dedicated to protecting your privacy and handling your personal information with the utmost care and respect. This commitment is integral to our operations, from our Board members to our employees and contractors. Our Privacy Policy is guided by the Privacy Act 1988 (Cth), the Australian Privacy Principles, and the Privacy Regulation 2013, detailing our approach to collecting, using, disclosing, and protecting your personal data.

What Is Personal Information?
Personal information is any data about an individual who can be identified from that information or an opinion, regardless of its truth or whether it is recorded. This may include your name, address, contact details, employment information, government IDs, financial details, and sensitive data like health or criminal history. These details are important to MSA’s ability to conduct its service as they allow us to provide you with tailored mortgage documentation, settlements and discharge services, ensuring transactions are seamless, compliant and personalised to meet your needs or those of the lender.

Sensitive Information
We typically do not collect sensitive information unless explicitly consented to by you or in certain permitted situations. Sensitive information refers to data about your racial or ethnic origin, criminal history, sexual orientation, or memberships.

Purpose of Collecting Personal Information
Personal information is collected to efficiently deliver our range of services, including mortgage documentation, settlement solutions, IDyou, and DigiDocs. Information is gathered directly from you, your lender, mortgage broker, legal representative or agent involved in the mortgage process.

How We Collect and Use Personal Information
Personal information is gathered directly from you, your lender, mortgage broker, legal representative or agent through various means, including in-person, phone, or electronic communication. It's essential for our business operations and may be shared with third parties like affiliates, service providers, and legal or regulatory bodies as necessary.

Handling Unrequested Personal Information
If we receive personal information not directly sought, we'll determine its alignment with our Privacy Policy. If appropriate, we'll retain it; otherwise, we'll destroy or de-identify it lawfully.

De-identifying Personal Information
We may de-identify your information for the purposes described in our Privacy Policy, ensuring continued protection of this data.

Security and Protection
Your data is stored securely in Australian data centres and with contracted providers, including cloud services. We employ various security measures to protect your information, though we note the inherent risks of online transmission.

Anonymity and Pseudonyms
Where feasible and lawful, you may interact with us anonymously or via a pseudonym. However, identification may be necessary for certain services.

Overseas Information Sharing
Before sharing information internationally, we ensure compliance with Australian Privacy Principles or equivalent protections. Consent for such sharing is implied upon accepting our services.

Accessing and Correcting Your Information
You have the right to access and correct your personal information. We provide this service free of charge for corrections, though access requests may incur reasonable fees.

Notifiable Data Breaches
In accordance with the NDB scheme, we will notify you and the OAIC of breaches likely to cause serious harm, providing advice on protective measures.

Contact Us
We aim to resolve privacy complaints promptly. If you're unsatisfied with our handling of your information, you're encouraged to contact us, and if necessary, escalate complaints to the Privacy Commissioner. Email: privacy@msanational.com.au

Policy Changes
Our Privacy Policy is subject to regular updates. The current policy was last reviewed in October 2023.

If you would like a full copy of our Privacy Policy, please find it here.