This website policy includes a website that allows
consumers to fill in questionnaires, forms and surveys, loan applications,
subscription services and online expert chat.
About this Website Policy
This website policy applies to this website, which is
operated on behalf of House of Lending Pty Ltd ACN 604 937 797 and its related bodies corporate
(we, us and our).
We are committed to protecting your privacy.
This policy explains how your personal information will
be treated as you access and interact with this website.
Our website privacy policy may change from time to time.
Collection
and use of information
We may
collect personal information from you directly or via your use of our
services. We will only collect personal
information which is reasonably necessary for, or directly related to, our
functions or activities.
Sensitive
information
Sensitive information is any information about a person’s racial or
ethnic origin, political opinion, membership of a political association,
religious beliefs or affiliations, philosophical beliefs, membership of a
professional or trade association, membership of a trade union, sexual
preferences or practices, criminal record or health information.
We will not ask you to disclose sensitive information, but if you elect
to provide sensitive information it will also be captured and stored.
Information
from third parties
Our website also contains links to the websites of third party providers
of goods and services (Third Party
websites). If you have accessed Third Party websites through our website
and if those third parties collect information about you, we may also collect
or have access to that information as part of our arrangements with those third
parties
Where you access a Third Party website from our website, cookie
information, information about your preferences or other information you have
provided about yourself may be shared between us and the third party.
Advertising
and tracking
When you view our advertisements on a Third Party website, the advertising
company uses 'cookies' and in some cases 'web beacons' to collect information
such as:
* the server your computer is logged onto; * your
browser type; * the date
and time of your visit; and * the
performance of their marketing efforts.
When you access our website after viewing one of our advertisements on a
Third Party website, the advertising company collects information on how you
utilise our website (eg which pages you view) and whether you complete an
online application.
Cookies
We use ‘cookies’ to provide you with better and more customised service
and with a more effective website.
A ‘cookie’ is a small text file placed on your computer by our web page
server. A cookie can later be retrieved by our webpage servers. Cookies are
frequently used on websites and you can choose if and how a cookie will be
accepted by configuring your preferences and options in your internet browser.
We use cookies for different purposes such as:
* to allocate a unique number to your internet browsers; * to
customise our website for you; * for
statistical purposes; * to
identify if you have accessed a Third Party Website; and * for
security purposes.
IP
addresses
Your IP address is the identifier for your computer when you are using
the internet.
It may be necessary for us to collect your IP address for your
interaction with various parts of our website.
Online
applications
When you send a completed online application to us, we retain the
information contained in that application.
We are able to then use that information to provide any financial
services that you require.
You can also suspend and save online applications, so you can complete
and send the applications at a later time. If you suspend or save your
application, the information that you have entered will be retained in our systems
so that you may recover the information when you resume your application.
Online applications that have been suspended or saved may be viewed by us.
Security
of information
The security of your information
is very important to us.
Security
of information
The security of your information
is very important to us.
We regularly review developments in security and encryption
technologies. Unfortunately, no data transmission over the internet can be
guaranteed as totally secure.
We take all reasonable steps to
protect the information in our systems from misuse, interference, loss, and any
unauthorised access, modification or disclosure.
If we no longer require your
information, and we are legally permitted to, we will take all reasonable steps
to destroy or de-identify the information.
We take reasonable steps to preserve the security of cookie and personal
information in accordance with this policy. If your browser is suitably
configured, it will advise you whether the information you are sending us will
be secure (encrypted) or not secure (unencrypted).
Direct
marketing
We will not use or disclose sensitive
information about you for direct marketing purposes unless you have consented
to that kind of use or disclosure.
We may use your personal
information for direct marketing purposes.
If you do not wish to receive direct marketing communications
from us or from other organisations, or wish to know the source of the
information being used, you may submit a request. We will respond to your request as soon as
practicable.
Disclosure
to overseas entities
We do not
generally disclose personal information obtained from cookies to overseas
entities in the course of our activities.
Please contact us if you would like further information.
