We recognise that your privacy is very important and that you have a right to control your personal information. Personal information is information or an opinion about an individual whose identity is apparent, or can reasonably be ascertained. It includes all personal information, regardless of its source. We know that providing personal information is an act of trust and we take that seriously. The following sections set out how we handle and protect your personal information and safeguard your privacy.
The primary purpose for which we collect your personal information is to provide you with the services you request, including comparing products, providing you with information about products, facilitating a quick contact or application with a financial institution or fulfilling your request to have another service provider such as a broker contact you.
Usually, we collect your personal information directly from you, for example where you complete an online form or other tool on our website. We may also collect your personal information from third parties such as:
We may also collect your personal information for other purposes including to:
If you do not provide us with the personal information we ask for or the information provided is incorrect or incomplete, we may not be able to provide you with our services or our services may not be accurate (for example, information we give you about loans may not be accurate if you do not give us accurate information).
The types of information we keep on record will depend on the type of product or service requested by you. Generally, we keep a record of the following types of information about you:
We do not seek to collect sensitive information (for example health information or information about your racial or ethnic origin or any criminal record), unless it is necessary for our business purposes. If we do have to collect sensitive information, we will do so in accordance with the APPs. During our dealings with you, we may gather information about you relating to all products and services that we or our business partners provide to you. This information is used to help us decide how we can improve our service delivery to you. We collect and hold information about you when you:
We also collect some statistical information about visitors to our website (for example, the number of visitors, pages viewed, types of transactions conducted, time online and documents downloaded). Some of this statistical information is collected by using cookies, but none of the statistical information we collect allows us to identify a visitor. We use this information to evaluate our website performance and continually improve our services. We may disclose this information in an aggregated form to third parties including advertisers or potential advertisers. We allow third-party companies to collect certain anonymous information when you visit our website. These companies may use non-personally identifiable information during your visits to this and other websites in order to provide advertisements about goods and services likely to be of greater interest to you. These companies typically use a cookie or a third party web beacon to collect this information. To learn more about this behavioural advertising practice, you can visit IAB Australia. Other than statistical information, we do not collect any information about you through our website unless you provide the information to us.
You need not give us any of the personal information about you or any other person which may be requested in our communications with you. However, without that information, we may not be able to fulfil your request or provide you with an appropriate level of service.
We use your personal information to:
We may disclose your personal information to the following organisations for the purposes described above (as well as otherwise permitted or required under Australian law):
Data security is important to us when you use our online products and services. Access to information stored electronically is restricted to staff whose job purpose requires access. We use secure methods to destroy or de-identify any personal information as soon as the law permits, provided the information is no longer needed by us for any purpose.
If there is a suspected or an actual data breach which may compromise personal information, Online Home Loans will promptly undertake an assessment of the incident. Where relevant, immediate steps will be taken to contain the breach. These steps may include limiting any further access or distribution of the affected personal information, or the possible compromise of other personal information.
If the unauthorised access, disclosure or loss of personal information is likely to cause serious harm to one or more individuals and the likely risk of serious harm has not been prevented by remedial action, Online Home Loans will notify the affected individuals and the Office of the Australian Information Commissioner as soon as practicable. The notification will include Online Home Loans’ identity and contact details, a description of the incident, the kind/s of information concerned and any recommended steps for affected individuals.
Following any data breach incident, Online Home Loans will undertake a review process to help prevent future breaches.
Our primary means of contacting you is electronic, such as via email and SMS, and phone (where you have provided a phone number). As a business with services that are provided online, we have inferred your consent to communicate electronically. You can withdraw this consent by using the unsubscribe facility in these messages or by providing us with written notice.
A “cookie” is a small text file that is placed on your computer by a Web server. Cookies contain information that can later be read by a Web server in the domain that issued the cookie to you.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to use other interactive features of our website and services that depend on cookies, and some advertising preferences that are dependent on cookies may not be able to be respected. If you choose to accept cookies, you also have the ability to later delete cookies that you have accepted. If you chose to delete cookies, any settings and preferences, including advertising preferences, controlled by those cookies will be deleted and may need to be recreated.
Our websites or partners’ websites may contain electronic images known as “web beacons” – sometimes called single-pixel gifs – that may be used to assist in delivering cookies on our sites and allow us to count users who have visited those pages and to deliver other services.
We may include web beacons on all webpages on Online Home Loans or our partners in order to determine whether messages have been opened and acted upon. We may also employ web beacons from third parties in order to help us compile aggregated statistics regarding the effectiveness of our promotional campaigns or other operations of our websites.
Finally, we may work with other companies that advertise on our website to place their web beacons on our sites in order to allow us to gather statistics and better target advertisements on our website that may result in a purchase or other action on the advertiser’s site.
You can request access at any time to personal information we hold about you by using the contact details below. We will process your request within a reasonable time, usually 14 days for a straightforward request. More time may be needed, depending on the nature of the request. There is no fee for requesting access to your information, however, we may charge you the reasonable cost of processing your request. Sometimes we are not required to provide you with access – for example if the law says we can deny access. If we refuse you access to your personal information, we will tell you the reason why.
We try to ensure that all information we hold about you which we collect, use or disclose is accurate, complete and up to date. You may ask us at any time to correct personal information held by us about you, which you believe is incorrect or out of date. We will deal with your request within a reasonable time. In this policy, reference to “we/us” means Online Home Loans .com.au Pty Ltd is a trading name of Your Mortgage Solutions Australia Pty Ltd ABN 97 609 954 145. Your Mortgage Solutions Australia Pty Ltd ABN 97 609 954 145 is an Authorised Corporate Credit Representative (Credit Rep Number 508654) of Beagle Finance Pty Ltd t/as Loankit Australia Credit Licence no 383640 ABN 31 140 290 268.