Rosa Financial Services in Cottesloe, Western Australia, Australia | Local service

Rosa Financial Services

Locality: Cottesloe, Western Australia, Australia

Phone: +61 402 707 425

Address: Suite 19A Napoleon Close, 12 Napoleon St 6011 Cottesloe, WA, Australia

Website: http://www.rosafinancialservices.com.au

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25.01.2022 https://www.9news.com.au//0dac152a-23d6-4d1a-b2f1-87b66f8e

25.01.2022 Happy Christmas from Piper and Alfie

25.01.2022 Cottesloe Beach this morning by @harryd.odds (IG)

21.01.2022 http://yourloanhub.com.au//understanding-which-home-loan-/

19.01.2022 FIRST HOME BUYERS - Have you heard of the Home Buyers Assistance Account? A grant from the Home Buyers Assistance Account reimburses some of the incidental expenses incurred in connection with the purchase of a first home in Western Australia, provided the applicants meet the eligibility criteria. The grant offers reimbursement of up to $2,000 for expenses such as: - settlement agent fees - mortgage registration fees - valuation costs... - building inspection fees . The maximum purchase price to qualify for the grant is $400,000. It must also be your first home, you must intend to live in the house for 12 months and you must have purchased the property through a licensed real estate agent. Some other conditions apply so double check the Home Buyers Assistance Account website. Although it might not sound like much, every dollar counts when you are purchasing your first home, so make sure that you apply for the $2,000 grant within the first 90 days after your offer is accepted! Let me know if you would like me to send you an application form or any further information. See more

17.01.2022 Money is not that important! Its just up there with oxygen and water.Money is not that important! Its just up there with oxygen and water.

16.01.2022 Privacy Policy Respecting your privacy We respect your personal information, and this Privacy Policy explains how we handle it. The policy covers Helen Rosa.... This Policy also includes our credit reporting policy, that is, it covers additional information on how we manage your personal information collected in connection with a credit application, or a credit facility. We refer to this credit-related information below as credit information. If you are in a country that is a member of the European Economic Area (EEA), the EU General Data Protection Regulation 2016/679 (GDPR) governs the way we collect, use, hold, process and disclose your personal information. Under the GDPR, we are a data controller. We make decisions on how and why your personal information is processed. What personal information do we collect and hold? General information The types of information that we collect and hold about you could include: ID information such as your name, postal or email address, telephone numbers, and date of birth; other contact details such as social media handles; financial details such as your tax file number; and other information we think is necessary. When the law authorises or requires us to collect information We may collect information about you because we are required or authorised by law to collect it. There are laws which require us to collect personal information. For example, we require personal information to verify your identity under Australian Anti-Money Laundering law. What do we collect via your website activity? If youre an internet customer of ours, we monitor your use of internet services to ensure we can verify you and can receive information from us, and to identify ways we can improve our services for you. If you start but dont submit an on-line application, we can contact you using any of the contact details youve supplied to offer help completing it. The information in applications will be kept temporarily then destroyed if the application is not completed. We also know that some customers like to engage with us through social media channels. We may collect information about you when you interact with us through these channels. However, for all confidential matters, well ensure we interact with you via a secure forum. To improve our services and products, we sometimes collect de-identified information from web users. That information could include IP addresses or geographical information to ensure your use of our web applications is secure. How do we collect your personal information? How we collect and hold your information Unless its unreasonable or impracticable, we will try to collect personal information directly from you (referred to as solicited information). For this reason, its important that you help us to do this and keep your contact details up-to-date. There are a number of ways in which we may seek information from you. We might collect your information when you fill out a form with us, when youve given us a call or used our website. We also find using electronic means, such as email or SMS, a convenient way to communicate with you and to verify your details . How we collect your information from other sources Sometimes, we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if its reasonably necessary to do so, for example, where: we collect information from third parties about the loan or lease made available to you arising out of the services we provide you; we cant get hold of you and we rely on public information (for example, from public registers or social media) or made available by third parties) to update your contact details; or we exchange information with your legal or financial advisers or other representatives. What if you dont want to provide us with your personal information? If you dont provide your information to us, it may not be possible: for us to give you the credit assistance you seek from us; to assist in finding a loan or lease relevant to your circumstances; verify your identity or protect against fraud; or to let you know about other products or services that might be suitable for your financial needs. How we collect and hold your credit information We will collect your credit information in the course of you answering the enquiries we make of you relating to the credit assistance you seek from us. In addition to what we say above about collecting information from other sources, other main sources for collecting credit information are: your co-loan applicants or co-borrowers; your guarantors/proposed guarantors; your employer, accountant, real estate agent or other referees; your agents and other representatives like the person who referred your business to us, your solicitors, conveyancers and settlement agents; organisations that help us to process credit applications; organisations that check the security you are offering such as valuers; bodies that issue identification documents to help us check your identity; and our service providers involved in helping us to process any application you make for credit through us. What do we do when we get information we didnt ask for? Sometimes, people share information with us we havent sought out (referred to as unsolicited information). Where we receive unsolicited personal information about you, we will check whether that information is reasonably necessary for our functions or activities. If it is, well handle this information the same way we do with other information we seek from you. If not, well ensure we do the right thing and destroy or de-identify it. When will we notify you that we have received your information? When we receive personal information from you directly, well take reasonable steps to notify you how and why we collected your information, who we may disclose it to and outline how you can access it, seek correction of it or make a complaint. Sometimes we collect your personal information from third parties. You may not be aware that we have done so. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection. How do we take care of your personal information? We store information in different ways, including in paper and electronic form. The security of your personal information is important to us and we take reasonable steps to protect it from misuse, interference and loss, and from unauthorised access, modification or disclosure. Some of the ways we do this are: document storage security policies; security measures for access to our systems; and only giving access to personal information to a person who is verified to be able to receive that information We may store personal information physically or electronically with third party data storage providers. Where we do this, we use contractual arrangements to ensure those providers take appropriate measures to protect that information and restrict the uses to which they can put that information. What happens when we no longer need your information? Well only keep your information for as long as we require it for our purposes. We may be required to keep some of your information for certain periods of time under law. When we no longer require your information, well ensure that your information is destroyed or de-identified. How we use your personal information What are the main reasons we collect, hold and use your information? Collecting your personal information allows us to provide you with the products and services youve asked for. This means we can use your information to: give you credit assistance; give you information about loan products or related services including help, guidance and advice; consider whether you are eligible for a loan or lease or any related service you requested including identifying or verifying you or your authority to act on behalf of a customer; assist you to prepare an application for a lease or a loan; administer services we provide, for example, to answer requests or deal with complaints; and administer payments we receive, or any payments we make, relating to your loan or lease. Can we use your information for marketing our products and services? We may use or disclose your personal information to let you know about other products or services we or a third party make available and that may be of interest to you. We will always let you know that you can opt out from receiving marketing offers. With your consent, we may disclose your personal information to third parties for the purpose of connecting you with other businesses or customers. You can ask us not to do this at any time. We wont sell your personal information to any organisation. Yes, You Can Opt-Out You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable. What are the other ways we use your information? Weve just told you some of the main reasons why we collect your information, so heres some more insight into the ways we use your personal information including: telling you about other products or services we make available and that may be of interest to you, unless you tell us not to; identifying opportunities to improve our service to you and improving our service to you; allowing us to run our business efficiently and perform general administrative tasks; preventing any fraud or crime or any suspected fraud or crime; as required by law, regulation or codes binding us; and any purpose to which you have consented. What are the grounds which we will deal with your personal information under the GDPR? Under the GDPR, we must have a legal ground in order to process your personal information. The legal grounds that we may rely on are: Performance of our contract with you; Compliance with a legal obligation; Where you have provided your consent; and For our legitimate interests: our main legitimate interests for processing your personal information are: fraud, security, due diligence, business operations and direct marketing. How long do you keep your information? We are required to keep some of your information for certain periods of time under law, such as the Corporations Act, the Anti-Money Laundering & Counter-Terrorism Financing Act, and the Financial Transaction Reports Act for example. We are required to keep your information for 7 years from the closure of accounts, or otherwise as required for our business operations or by applicable laws. We may need to retain certain personal information after we cease providing you with products or services to enforce our terms, for fraud prevention, to identify, issue or resolve legal claims and/or for proper record keeping. Who do we share your personal information with? To make sure we can meet your specific needs and for the purposes described in How we use your personal information, we sometimes need to share your personal information with others. We may share your information with other organisations for any purposes for which we use your information. Sharing Your Information We may use and share your information with other organisations for any purpose described above. Sharing with your representatives and referees We may share your information with: your representative or any person acting on your behalf (for example, lawyers, settlement agents, accountants or real estate agents); and your referees, like your employer, to confirm details about you. Sharing with third parties We may share your information with third parties in relation to services we provide to you. Those third parties may include: the mortgage aggregator through whom we may submit loan or lease applications to lenders or lessors on the mortgage aggregators panel; the Australian Credit Licence holder that authorises us to engage in credit activities; referrers that referred your business to us; valuers; lenders, lessors, lenders mortgage insurers and other loan or lease intermediaries; organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other misconduct; government or regulatory bodies (including ASIC and the Australian Taxation Office) as required or authorised by law. In some instances, these bodies may share the information with relevant foreign authorities; guarantors and prospective guarantors of your loan or lease; service providers, agents, contractors and advisers that assist us to conduct our business for purposes including, without limitation, storing or analysing information; any organisation that wishes to take an interest in our business or assets; and any third party to which you consent to us sharing your information. Sharing outside of Australia We may use overseas organisations to help conduct our business. As a result, we may need to share some of your information (including credit information) with such organisations outside Australia. The countries in which those organisations are located are: N/A We may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, its not always practicable to know in which country your information may be held. If your information is stored in this way, disclosures may occur in countries other than those listed. Overseas organisations may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure. Where we transfer your information from the EEA to a recipient outside the EEA we will ensure that an adequate level of protection is in place to protect your personal information such as putting in place contractual protections to ensure the security of your information. How do you access your personal information? How you can generally access your information Well always give you access to your personal information unless there are certain legal reasons why we cant. You can ask us in writing to access your personal information that we hold. In some cases we may be able to deal with your request over the phone. We will give you access to your information in the form you want it where its reasonable and practical. We may charge you a small fee to cover our costs when giving you access, but well always check with you first. Were not always required to give you access to your personal information. Some of the situations where we dont have to give you access include when: we believe there is a threat to life or public safety; there is an unreasonable impact on other individuals; the request is frivolous; the information wouldnt be ordinarily accessible because of legal proceedings; it would prejudice negotiations with you; it would be unlawful; it would jeopardise taking action against serious misconduct by you; it would be likely to harm the activities of an enforcement body (e.g. the police); or it would harm the confidentiality of our commercial information. If we cant provide your information in the way youve requested, we will tell you why in writing. If you have concerns, you can complain. See Contact Us. How do you correct your personal information? How we correct your information Contact us if you think there is something wrong with the information, we hold about you and well try to correct it if its: inaccurate; out of date; incomplete; irrelevant; or misleading. If you are worried that we have given incorrect information to others, you can ask us to tell them about the correction. Well try and help where we can - if we cant, then well let you know in writing. What additional things do we have to do to correct your credit information? If you ask us to correct credit information, we will help you with this in the following way. Helping you manage corrections Whether we made the mistake or someone else made it, we are required to help you ask for the information to be corrected. So, we can do this, we might need to talk to others. However, the most efficient way for you to make a correction request is to send it to the organisation which made the mistake. Where we correct information If were able to correct the information, well let you know within five business days of deciding to do this. Well also let the relevant third parties know as well as any others you tell us about. If there are any instances where we cant do this, then well let you know in writing. Where we cant correct information If were unable to correct your information, well explain why in writing within five business days of making this decision. If you have any concerns, you can access our external dispute resolution scheme or make a complaint to the Office of the Australian Information Commissioner. Time frame for correcting information If we agree to correct your information, well do so within 30 days from when you asked us, or a longer period thats been agreed by you. If we cant make corrections within a 30-day time frame or the agreed time frame, we must: let you know about the delay, the reasons for it and when we expect to resolve the matter; ask you to agree in writing to give us more time; and let you know you can complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner. How do you make a complaint? How do you generally make a complaint? If you have a complaint about how we handle your personal information, we want to hear from you. You are always welcome to contact us. You can contact us by using the details below Rosa Financial Services Helen Rosa Address: Shop 19a, Napoleon Close Shopping Arcade, 12 Napoleon Street Cottesloe, WA PO Box 574 Cottesloe WA 6011 Tel: 0402 707 425 Email address: [email protected] Website: www. rosafinancialservices.com.au We are committed to resolving your complaint and doing the right thing by our customers. Most complaints are resolved quickly, and you should hear from us within five business days. Need more help? If you still feel your issue hasnt been resolved to your satisfaction, then you can raise your concern with the Office of the Australian Information Commissioner: Online: www.oaic.gov.au/privacy Phone: 1300 363 992 Email: [email protected] Fax: +61 2 9284 9666 Mail: GPO Box 5218 Sydney NSW 2001 or GPO Box 2999 Canberra ACT 2601 If you are located in the EEA, you can contact the relevant data protection authority (for example in the place you reside or where you believe we breached your rights). For example, the Office of the UK Information Commissioner: Office of the UK Information Commissioner Online: www.ico.gov.uk Phone: 0303 123 1113 Live chat: https://ico.org.uk/global/contact-us/live-chat What additional things do we have to do to manage your complaints about credit information? If your complaint relates to how we handled your access and correction requests You may take your complaint directly to our external dispute resolution scheme or the Office of the Australian Information Commissioner. You are not required to let us try to fix it first. For all other complaints relating to credit information If you make a complaint about things (other than an access request or correction request) in relation to your credit information, we will let you know how we will deal with it within seven days. Ask for more time if we cant fix things in 30 days If we cant fix things within 30 days, well let you know why and how long we think it will take. We will also ask you for an extension of time to fix the matter. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner. Letting you know about our decision Well let you know about our decision within 30 days or any longer agreed time frame. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner. Your Rights under GDPR If you reside in the EEA, you can also: object to the processing or your personal information or ask us to delete, or restrict or stop using your personal information. There may be circumstances where we are required to, or entitled to retain or continue using your information. withdraw your consent to our processing of your information. We may continue to process our information if we have another legitimate ground to do so. ask us to send an electronic copy of your personal information, including to another organisation. You can contact us if you wish to exercise these rights. See Contact Us for more information If we refuse any request you make in relation to these rights, we will write to you to explain why and how you can make a complaint about our decision. Contact Us We care about your privacy. Please contact us if you have any questions or comments about our privacy policies and procedures. We welcome your feedback. You can contact us by using the details below: Rosa Financial Services Helen Rosa Address: Shop 19a, Napoleon Close Shopping Arcade, 12 Napoleon Street Cottesloe, WA PO Box 574 Cottesloe WA 6011 Tel: 0402 707 425 Email address: [email protected] Website: www. rosafinancialservices.com.au What if you want to interact with us anonymously or use a pseudonym? If you have general enquiry type questions, you can choose to do this anonymously or use a pseudonym. We might not always be able to interact with you this way, however, as we are often governed by regulations that require us to know who were dealing with. In general, we wont be able to deal with you anonymously or where you are using a pseudonym when: it is impracticable; or we are required or authorised by law or a court/tribunal order to deal with you personally. What do we do with government-related identifiers? In certain circumstances we may be required to collect government-related identifiers such as your tax file number. We will not use or disclose this information unless we are authorised by law. Changes to this Privacy Policy This Policy may change. We will let you know of any changes to this Policy by posting a notification on our website, correspondence via post or e-mail or you may contact us for a copy of the most up to date policy

15.01.2022 This little piggy?

14.01.2022 https://moneysmart.gov.au/managing-d/urgent-help-with-money

13.01.2022 From WA, With Love... John Butler, The Waifs, San Cisco and Stella Donnelly have banded together for A Fire Aid concert to be held at the Fremantle Arts Centre on January 31. Tickets are available tomorrow, Wednesday January 8 via the link below. Proceeds from ticket sales will be donated to multiple causes, including fire services in NSW and Victoria, local communities and wildlife protection groups. What a great way to contribute to those so badly affected by this ongoing t...ragedy while enjoying live music from the best WA music talents, lets get onboard! https://fac.oztix.com.au//e6fe5442-ec5c-4b0c-83a9-4df44884 See more

13.01.2022 https://www.facebook.com/asktimwade/videos/10155404796372127/UzpfSTEwMDAwODA3MDg3MjY4NDoyMDcyOTkzNDQ5NjQ2MzMx/ For all the soccer fanatics

13.01.2022 https://www.facebook.com/897393153671209/posts/2172528719490973/

12.01.2022 COVID-19 Support from the banks I thought I would take this opportunity to give you a quick overview of what the banks are doing in response to COVID-19. As you maybe aware the banks have implemented a number initiatives to support their home loan customers in these difficult times, including:... Offering a 3-6 month deferral on home loan repayments Reducing fixed rates to their lowest ever Reducing the direct debit repayment amount for eligible customers to the minimum, interest only payments Clients can use funds in their offset account or redraw to get additional monies Clients may consider refinancing their existing home loan to get cash out and use this as a safety net Please note: Borrowers who are granted a three to six-month deferral on loan repayments will not have their credit rating affected as a result of the holiday, so long as they were up to date with repayments prior to the economic impact of COVID-19. I want to take this opportunity to assure you that we remain open for business and will continue to support our new and existing customers on their home buying journey. Please contact me if you require the contact numbers for any of the banks if you are suffering hardship. Please remember to stay safe and look after your physical and mental health during this challenging time. Have a great day

12.01.2022 https://www.facebook.com/goalcast/videos/1418333381645035/

12.01.2022 Just converted an investment loan for a client from a variable rate to a 2 yr fixed rate and saved the client $433 per month on a $520,000 loan amount - Not bad! Call me if you want me to have a look at your home loans 0402 707 425

11.01.2022 Rosa Financial Services would like to wish all it clients and friends a wonderful and safe holiday season and New Year

11.01.2022 Thank you Nathan Roberts, Sara Lahiff, Helen Rosa, Miranda Selman, Rory Lee-Hammat, Tony Tuite and everyone else. Today is the last day of this fundraiser and t...o date we have help 5 kids so far. But fear not, we will be posting another fundraiser during the week for everyone to share along to their friends of friends of friends. The complete joy of these children is so heart warming and they would like to thank each and everyone of you guys for giving them a chance where others wouldnt. Absolute legends See more

10.01.2022 http://yourloanhub.com.au//10-tips-for-choosing-an-invest/ Sent from Mail for Windows 10

09.01.2022 https://amp.news.com.au///64fee5cef680f2de851ff959293c13c6

08.01.2022 Good Afternoon, February is Home Loan Check Up Month - It is so easy for your loan payments to be automatically debited and then forget all about them. Not thinking about your loan is a great thing, but at least once a year you should run a loan health check to make sure they are still up to scratch. Things to look out for when doing the health check:... Did you come out of a fixed or introductory rate recently? If so, your bank might have rolled you onto a ridiculously high interest rate. Have you had your loan for a few years without making any changes? The cash rate has dropped 3 times so far in 2019, so you might be paying too much! Are you happy with the loan features that you have? Do you like the sound of an offset account or redraw? Do you want to now fix your loan? If you would like me to provide a complimentary consultation in looking at your existing loan facility to ensure that it still suits your changing financial needs, I will be pleased to be of assistance. Call Helen 0402 707 425 See more

05.01.2022 http://yourloanhub.com.au//confused-about-home-loan-pre-a/ Confused about home loan pre-approvals? Follow these four steps.

05.01.2022 https://www.facebook.com/LifeStories.Goalcast/videos/271904756915279/UzpfSTg5NzM5MzE1MzY3MTIwOToxOTIyMjg2NzA0NTE1MTc3/

05.01.2022 Sophie Holford-White thanks for the photo

04.01.2022 https://www.perthnow.com.au//barefoot-investor-scott-pape-

03.01.2022 http://yourloanhub.com.au//smart-tips-for-paying-off-your/

03.01.2022 The WA Government has recently announced a new stamp duty rebate which could see purchasers save up to $50,000. The rebate is a 75% saving on stamp duty charges for off the plan apartment purchases, with the aim being to stimulate the property market, particularly in the struggling apartment sector. The rebate also applies on top of the usual First Home Buyer stamp duty concessions.

03.01.2022 We are proud to launch our NEW WEBSITE, be the first to view it: https://www.rosafinancialservices.com.au Give me a call if you, your family or your friends ne...ed a personalized mortgage service. Many thanks to Estelle Fallon from Words That Fit and Emma Brand from Graphic Content for doing an amazing job!!

02.01.2022 Indy and Summer donated their pocket money to creating 4 Christmas Hampers for Parkerville Childrens Home. Just giving a little back to the community Parkerville Children and Youth Care is a Not-For-Profit organisation located throughout Western Australia. It is their mission to protect, care, advocate and promote recovery for children and young people who have experienced trauma from abuse, to support families and to work with the community to prevent child abuse.

01.01.2022 Helen was great and worked so hard to get me a loan! I found the mortgage application process difficult and tedious and would never have been able to properly research and compare products. Helen made it all very easy. She was extremely helpful as Im at home with a baby and hadnt unpacked my printer, so we could meet at my home she would drop by with documents as required. She is lovely to deal with, and very prompt in her communications. Sarah Scanlon

01.01.2022 Are you paying too much for your home loan? With record low interest rates, why not reduce your monthly home loan repayments? Get in touch with me today!! 0402 707 425