‘We’, ‘us’ and ‘our’ refer to House of Lending Pty Ltd ABN 80 604 937 797, and our related
businesses.
Loan Market* and its related bodies corporates (‘We’, ‘us’ and ‘our’)
recognise the importance of protecting the privacy of individuals in relation
to their personal information. This
document is our privacy policy and it tells you how we collect and manage your
personal information. *Loan Market means a Loan Market franchisee
and its’ authorised Loan Writers operating a Loan Market franchised business in
accordance with this website. Unless otherwise expressly stated, it does not
include Loan Market Pty Limited.
Our commitment to protect your
privacy
We understand how
important it is to protect your personal information. This document sets out
our privacy policy commitment in respect of personal information we hold about
you and what we do with that information.
We recognise that
any personal information we collect about you will only be used for the
purposes we have collected it or as allowed under the law. It is important to
us that you are confident that any personal information we hold about you will
be treated in a way which ensures protection of your personal information.
Our commitment in
respect of personal information is to abide by the Australian Privacy
Principles for the protection of personal information, as set out in the
Privacy Act and any other relevant law.
Personal information
When we refer
to personal information we mean information from which your
identity is reasonably apparent. This information may include information or an
opinion about you. The personal information we hold about you may also include
credit information.
Credit information is information which is used to assess your
eligibility to be provided with finance and may include any finance that you
have outstanding, your repayment history in respect of those loans, and any
defaults. Usually, credit information is exchanged between credit and finance
providers and credit reporting bodies.
The kinds of
personal information we may collect about you include your name, date of birth,
address, contact details, account details, occupation, and any other
information we made need to identify you.
If you submit
inquiries or information using our website we may also collect the type of
finance and the amount of finance that you are interested in obtaining, and any
information that you provide to us directly through our website or indirectly
through use of our website.
If you are applying
for finance we may also collect the ages and number of your dependants and
cohabitants, the length of time at your current address, your employment
details and proof of earnings and expenses. If you apply for any insurance
product through us we may also collect your health information. We will only
collect health information from you with your consent.
Why we collect your personal
information
We collect personal
information for the purposes of assessing your application for finance and
managing that finance. We may also collect your personal information for the
purposes of direct marketing and managing our relationship with you. From time
to time we may offer you other products and services.
We collect personal
information on our website to send communications requested by you and to
answer enquiries and provide information or advice to you.
To enable us to
maintain a successful business relationship with you, we may disclose your
personal information to other organisations that provide products or services
used or marketed by us. We may also disclose your personal information to any
other organisation that may have or is considering having an interest in your
finance, or in our business.
How do we collect your personal
information?
Where reasonable
and practical we will collect your personal information directly from you. For
example, we collect your personal information directly from your use of our
website and the information that you submit to the website. We also collect your personal information if
you use the “contact us” functionality on our website and you provide the
personal information during conversations between you and our representatives.
We may also collect
your personal information from our franchisor, other finance brokers and other
people such as accountants and lawyers.
Do we disclose your personal
information?
We may disclose
your personal information:
· * to our employees, franchisor, related bodies corporate, contractors or
service providers for the purposes of operation of our website or our business,
fulfilling requests by you, and to otherwise provide products and services to
you including, without limitation, web hosting providers, IT systems
administrators, couriers, payment processors, data entry service providers,
electronic network administrators, debt collectors, and professional advisors such as accountants,
solicitors, business advisors and consultants; * to
prospective funders or other intermediaries in relation to your finance
requirements; * to
other organisations that are involved in managing or administering your
finance such as third party suppliers, printing and postal services, call
centres; * to
associated businesses that may want to market products to you; * to
companies that provide information and infrastructure systems to us; * to
anybody who represents you, such as finance brokers, lawyers and
accountants;
to
anyone, where you have provided us consent;
where
we are required to do so by law, such as under the Anti-Money or
Laundering and Courter Terrorism Financing Act 2006 (Cth); * to
investors, agents or advisers, or any entity that has an interest in our
business; or * to
your employer, referees or identity verification services.
Prior to disclosing
any of your personal information to another person or organisation, we will
take all reasonable steps to satisfy ourselves that: (a) the person or
organisation has a commitment to protecting your personal information at least
equal to our commitment, or (b) you have
consented to us making the disclosure.
We may use cloud
storage to store the personal information we hold about you. The cloud storage
and the IT servers may be located outside Australia.
Do we
disclose your personal information to anyone outside Australia?
We may disclose personal
information to our franchisor’s related bodies corporate, our related bodies
corporate and third party suppliers and service providers located overseas for
some of the purposes listed above. We take reasonable steps to ensure that the
overseas recipients of your personal information do not breach the privacy
obligations relating to your personal information.
We may disclose your personal
information to entities located outside of Australia, including the following: * our
data hosting and other IT service providers, located in various countries; * and
other
third parties located in various foreign countries, including Philippines
& USA.
Your personal information may be
stored in the cloud in an overseas country.
In the event that a disclosure is
made in an overseas country (which we consider unlikely), the information will
not be protected by the Australian Privacy Principles. In any event, by
providing your details, you consent to your information being disclosed in this
manner.
Direct marketing
From time to time
we may use your personal information to provide you with current information
about finance, offers you may find of interest, changes to our organisation, or
new products or services being offered by us, our franchisor or any company
with whom we are associated.
If you do not wish
to receive marketing information, you may at any time decline to receive such
information by contacting us (see the details below) or by using the
unsubscribe function in the marketing communications. We will not charge you
for giving effect to your request and will take all reasonable steps to meet
your request at the earliest possible opportunity.
We may provide your
personal information to our franchisor for the purposes of direct marketing by
our franchisor.
Our Website
Cookies and IP
addresses
When you access our
website, we may send a “cookie” (which is a small summary file containing a
unique ID number) to your computer. This
enables us to recognise your computer each time you visit our website. We also use cookies to measure traffic
patterns, to determine which areas of our website have been visited, to measure
transaction patterns, to analyse trends, administer the website, track users’
movements and gather broad demographic information. We use this to research our users’ habits so
that we can improve our website and our service offering. Our cookies may record information such as
your Internet Protocol (IP) address (that is, the electronic addresses of
computers connected to the internet), your device and browser type, operating
system, the pages or features of our site to which you have browsed and the
time spent on those pages or features, the frequency with which the site is
used by you, the search terms that you have used, the links on our site that a
you have clicked on or used, and other usage statistics.
While our cookies
do not collect personal information per se, if you submit your name and email
address as part of your usage, then we will link that personal information with
the cookies information that we have previously collected from you.
If you do not wish
to receive cookies, you can set your browser so that your computer does not
accept them.
Security
As our website is
linked to the internet, and the internet is inherently insecure, we cannot
provide any assurance regarding the security of transmission of information you
communicate to us online. We also cannot
guarantee that the information you supply will not be intercepted while being
transmitted over the internet.
Accordingly, any personal information or other information which you
transmit to us online is transmitted at your own risk.
Links and third
party advertisements
Our website may
contain links to other websites operated by third parties. Our website may also display advertisements,
which are hosted by third parties.
We make no
representations or warranties in relation to the privacy practices of any third
party website or advertisement providers and we are not responsible for the
privacy policies or the content of any third party website or
advertisements. Third party websites are
responsible for informing you about their own privacy practices.
Our online
advertising network partner may use cookies, web beacons or other web tracking
techniques to collect non-personally identifiable information about your
activities on the website and other websites that you may visit to provide you
targeted advertising based upon your interests.
Updating your personal information
It is important to
us that the personal information we hold about you is accurate and up to date.
During the course of our relationship with you we may ask you to inform us if
any of your personal information has changed.
If you wish to make
any changes to your personal information, you may contact us. We will generally
rely on you to ensure the information we hold about you is accurate or
complete.
Access and correction to your
personal information
We will provide you
with access to the personal information we hold about you. You may request
access to any of the personal information we hold about you at any time.
We may charge a fee
for our costs of retrieving and supplying the information to you.
Depending on the
type of request that you make we may respond to your request immediately,
otherwise we usually respond to you within seven days of receiving your
request.
We may need to contact other entities to properly investigate your
request.
There may be
situations where we are not required to provide you with access to your
personal information, for example, if the information relates to existing or
anticipated legal proceedings, or if your request is vexatious.
An explanation will
be provided to you if we deny you access to the personal information we hold
about you.
If any of the
personal information we hold about you is incorrect, inaccurate or out of date
you may request that we correct the information. If appropriate we will correct
the personal information. At the time of the request, otherwise, we will
provide an initial response to you within seven days of receiving your request.
Where reasonable, and after our investigation, we will provide you with details
about whether we have corrected the personal information within 30 days.
We may need to
consult with other entities as part of our investigation.
If we refuse to
correct personal information we will provide you with our reasons for not
correcting the information.
Using government
identifiers
If we collect
government identifiers, such as your tax file number, we do not use or disclose
this information other than required by law. We will never use a government
identifier in order to identify you.
Business without identifying you
In most
circumstances it will be necessary for us to identify you in order to
successfully do business with you, however, where it is lawful and practicable
to do so, we will offer you the opportunity of doing business with us without
providing us with personal information, for example, if you make general
inquiries about interest rates or current promotional offers.
You may choose to
interact with our website anonymously, but we will not be able to invite our
participating finance brokers to contact you unless you provide your personal
information.
Sensitive information
We will only
collect sensitive information about you with your consent. Sensitive
information is personal information that includes information relating to your
racial or ethnic origin, political persuasion, memberships in trade or
professional associations or trade unions, sexual preferences, criminal record,
or health.
How safe and secure is your personal information that we hold?
We will take
reasonable steps to protect your personal information by storing it in a secure
environment. We may store your personal information in paper and electronic
form. We will also take reasonable steps to protect any personal information
from misuse, loss and unauthorised access, modification or disclosure. For example, personal information that you
submit on our website are stored in electronic systems that have access
controls in place.
Complaints
If you are
dissatisfied with how we have dealt with your personal information, or you have
a complaint about our compliance with the Privacy Act, you may contact us via
the contact link on our website.
We will acknowledge
your complaint within seven days. We will provide you with a decision on your
complaint within 30 days.
If you are
dissatisfied with the response of our complaints officer you may make a
complaint to the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363
992.
Further information
You may request
further information about the way we manage your personal information by
contacting us.
Change in our privacy policy
We are constantly
reviewing all of our policies and attempt to keep up to date with market
expectations. Technology is constantly changing, as is the law and market place
practices.
As a consequence we
may change this privacy policy from time to time or as the need arises.
You may request
this privacy policy in an alternative form.
This Privacy Policy
was updated on 1 February 2015.
Our commitment to protect your privacy
We understand how important it is to protect your personal
information. This document sets out our privacy policy commitment in
respect of personal information we hold about you and what we do with that
information.
We recognise that any personal information we collect about you will
only be used for the purposes we have collected it or as allowed under the
law. It is important to us that you are confident that any personal
information we hold about you will be treated in a way which ensures protection
of your personal information.
Our commitment in respect of personal information is to abide by the
Australian Privacy Principles for the protection of personal information, as
set out in the Privacy Act and any other relevant law.
Personal information
When we refer to personal information we mean
information from which your identity is reasonably apparent. This
information may include information or an opinion about you. The
personal information we hold about you may also include credit
information.
Credit information is
information which is used to assess your eligibility to be provided with
finance and may include any finance that you have outstanding, your repayment
history in respect of those loans, and any defaults. Usually, credit
information is exchanged between credit and finance providers and credit
reporting bodies.
The kinds of personal information we may collect about you include your
name, date of birth, address, account details, occupation, and any other
information we made need to identify you.
If you are applying for finance we may also collect the ages and number
of your dependants and cohabitants, the length of time at your current address,
your employment details and proof of earnings and expenses. If you
apply for any insurance product through us we may also collect your health
information. We will only collect health information from you with
your consent.
Why we collect your personal information?
We collect personal information for the purposes of assessing your
application for finance and managing that finance. We may also
collect your personal information for the purposes of direct marketing and
managing our relationship with you. From time to time we may offer
you other products and services.
To enable us to maintain a successful business relationship with you, we
may disclose your personal information to other organisations that provide
products or services used or marketed by us. We may also disclose
your personal information to any other organisation that may have or is
considering having an interest in your finance, or in our business.
How do we collect your personal information?
Where reasonable and practical we will collect your personal information
directly from you. We may also collect your personal information
from finance brokers and other people such as accountants and lawyers.
Do we disclose your personal information?
We may disclose your personal information:
· to prospective funders or other intermediaries in relation to your
finance requirements;
· to other organisations that are involved in managing or administering
your finance such as third party suppliers, printing and postal services, call
centres;
· to associated businesses that may want to market products to you;
· to companies that provide information and infrastructure systems to us;
· to anybody who represents you, such as finance brokers, lawyers and
accountants;
· to anyone, where you have provided us consent;
· where we are required to do so by law, such as under the Anti-Money
or Laundering and Courter Terrorism Financing Act 2006 (Cth);
· to investors, agents or advisers, or any entity that has an interest in
our business; or
· to your employer, referees or identity verification services.
Prior to disclosing any of your personal information to another person
or organisation, we will take all reasonable steps to satisfy ourselves that:
(a) the person or organisation
has a commitment to protecting your personal information at least equal to our
commitment, or
(b) you have consented to us
making the disclosure.
We may use cloud storage to store the personal information we hold about
you. The cloud storage and the IT servers may be located outside
Australia.
We may disclose your personal information to overseas entities that
provide support functions to us. You may obtain more information
about these entities by contacting us.
Direct marketing
From time to time we may use your personal information to provide you
with current information about finance, offers you may find of interest,
changes to our organisation, or new products or services being offered by us or
any company with whom we are associated.
If you do not wish to receive marketing information, you may at any time
decline to receive such information by telephoning us on (02) 9326 7000 or
by writing to us at PO Box 1306 Randwick NSW 2031. If the direct
marketing is by email you may also use the unsubscribe function. We
will not charge you for giving effect to your request and will take all
reasonable steps to meet your request at the earliest possible opportunity.
We may provide your personal information to our franchisor for the purposes of direct marketing by our franchisor.
Our Website
Cookies and IP Addresses
When you access our website, we may send a 'cookie' (which is a small summary file containing a unique ID number) to your computer. This enables us to recognize your computer each time you visit our website. We also use cookies to measure traffic patterns, to determine which areas of our website have been visited, to measure transaction patterns, to analyse trends, administer the website, 'track users' movements and gather broad demographic information. We use this to research our users' habits so that we can improve our website and our service offering. Our cookies may records information such as your internet Protocol (IP) address (that is, the electronic addresses of computers connected to the internet), your device and browser type, operating system, the pages or features of our site to which you have browsed and the time spent on those pages or features, the frequency with which the site is used by you, the search terms that you have used, the links on our site that you have clicked on or used, and other usage statistics.
While our cookies do not collect personal information per se, if you submit your name and email address as part of your usage, then we will link that personal information with the cookies information that we have previously collected from you.
If you do not wish to receive cookies, you can set your browser so that your computer does not accept them.
Security
As our website is linked to the internet, and the internet is inherently insecure, we cannot provide any assurance regarding the security of transmission of information you communicate to us online. We also cannot guarantee that the information you supply will not be intercepted while being transmitted over the internet. Accordingly, any personal information or other information which you transmit to us online is transmitted at your own risk.
Links and Third party advertisements
Our website may contain links to other websites operated by third parties. Our website may also display advertisements, which are hosted by third parties.
We make no representations or warranties in relation to the privacy of any third party website or advertisement providers and we are not responsible for the privacy policies or the content of any third party website or advertisements. Third party websites are responsible for informing you about their own privacy practices.
Our online advertising network partner may use cookies, web beacons or other web tracking techniques to collect non-personally identifiable information about your activities on the website and other websites that you may visit to provide you targeted advertising based upon your interests.
Updating your personal information
It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.
If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or complete.
Access and correction to your personal information
We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time.
We may charge a fee for our costs of retrieving and supplying the information to you.
Depending on the type of request that you make we may respond to your request immediately otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.
An explanation will be provided to you if we deny you access to the personal information we hold about you.
If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information. At the time of the request, otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.
We may need to consult with other entities as part of our investigation.
If we refuse to correct personal information we will provide you with our reasons for not correcting the information.
Using Government identifiers
If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law. We will never use a government identifier in order to identify you.
Business without identifying you
In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.
you may choose to interact with our website anonymously, but we will not be able to invite our participating finance brokers to contact you unless you provide your personal information .
Sensitive Information
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
How safe and secure is your personal information that we hold?
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorized access, modification or disclosure. For example, personal information that you submit on our website are stored in electronic systems that have access controls in place.
Complaints
if you are dissatisfied with how we dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact us via the contact link on our website.
We will acknowledge your complaint within seven days. We will provide you with a decision on your compliant within 30 days.
If you are dissatisfied with the response of our complaints officer you may make a complaint to the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992
Further Information
You may request further information about the way we manage your personal information by contacting us.
Change in our privacy policy
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market place practices.
As a consequence we may change this privacy policy from time to time or as the need rises.
You may request this privacy policy in an alternative form.
The Privacy Policy was updated on 1 February 2015.
Business without identifying you
In most circumstances it will be necessary for us to identify you in
order to successfully do business with you, however, where it is lawful and
practicable to do so, we will offer you the opportunity of doing business with
us without providing us with personal information, for example, if you make
general inquiries about interest rates or current promotional offers.
