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| PRIVACY POLICY |
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| Respecting your privacy and the law |
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| The privacy of your personal information is something we take very seriously at myloanonline.com.au. |
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| We are committed to respecting your right to privacy and protecting your personal information. We are bound by the National Privacy Principles in the Privacy Act 1988 (Commonwealth), as well as other applicable laws and codes affecting your personal information. All of our staff are trained to respect your privacy, and our website has been specifically designed in accordance with our standards, policies and procedures to ensure your privacy is protected. |
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| About this Privacy Policy |
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| This Privacy Policy outlines how we manage your personal information. It also describes generally the sorts of personal information held and for what purposes, and how that information is collected, held, used and disclosed. |
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| Our Privacy Policy applies to all your dealings with us, and we encourage you to check our website regularly for any updates to our Privacy Policy. |
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| Collecting your personal information |
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| If you are acquiring or have acquired a product or service from myloanonline.com.au, we will collect and hold your personal information for the purposes of: |
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providing you with the relevant product or service (including assessing your application and identifying you); |
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managing and administering our product or service; |
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protecting you against fraud where it is a lending product or service. |
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| The information collected may include your name, postal or email address, date of birth, financial details, health information or other information the organisation considers necessary. |
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| We will, if it is reasonable or practicable to do so, collect your personal information from you. This may happen when you fill out a product or service application or an administrative form (e.g. a change of address form) or when you give us personal information over our website. |
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| In certain cases we collect your personal information from third parties. For example, we may need to collect personal information from a credit reporting agency, your representative (such as a legal adviser), your financial adviser, your employer or publicly available sources of information or any of the other organisations identified below under "Using and Disclosing Your Personal Information". |
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| Using and disclosing your personal information |
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| In line with modern business practices common to many financial institutions and to meet your specific needs (such as where you have a financial adviser) we may disclose your personal information to the organisations described below. Where your personal information is disclosed we will seek to ensure that the information is held, used or disclosed consistently with the National Privacy Principles and any other applicable privacy laws and codes. |
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| The relevant organisations are those |
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involved in providing, managing or administering your product or service such as third party suppliers, printers, posting services, lenders mortgage insurers and our advisers; |
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which are Group organisations who wish to tell you about their products or services that might better serve your financial, e-commerce and lifestyle needs or promotions or other opportunities, and their related service providers, except where you tell us not to; |
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who are your financial advisers and their service providers; |
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involved in maintaining, reviewing and developing our business systems, procedures and infrastructure including testing or upgrading our computer systems; |
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involved in a corporate re-organisation; |
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involved in a transfer of all or part of the assets or business of a Group organisation; |
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involved in the payments system including financial institutions, merchants and payment organisations; |
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involved in product planning and development; |
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which are your representatives including your legal advisers; |
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as required or authorised by law, for example, to government or regulatory bodies for purposes related to public health or safety, the prevention or detection of unlawful activities or to protect public revenue; and |
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where you have given your consent. |
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| Marketing our products and services |
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| We may use or disclose your personal information to let you know about, and develop, products and services from related business’ that might better serve your financial, e-commerce and lifestyle needs or promotions or other opportunities in which you may be interested. For example, we may do this after an initial marketing contact. You can contact us at any time if you no longer wish us to do so (see the Contacting Us section below). |
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| Keeping your personal information accurate and up-to-date |
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| We aim to make sure that the personal information we collect, use or disclose is accurate, complete and up-to-date. We will take reasonable steps to make sure this is the case. This way we can provide you with better service. |
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| If you believe your personal information is not accurate, complete or up to date, please contact us (see the Contacting Us section below). |
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| Protecting your personal information |
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| 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 and loss and unauthorised access, modification or disclosure. Some of the ways we do this are: |
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confidentiality requirements for our employees; |
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document storage security policies; |
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security measures for systems access; |
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only allowing access to personal information where the individual seeking access has satisfied our identification requirements; |
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access control for our buildings; |
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the security measures described below under the Our Website section. |
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| Your privacy on the Internet |
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| Our Website |
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| We take care to ensure that the personal information you give us on our website is protected. For example, our website has electronic security systems in place, including the use of firewalls and data encryption. All of our secured areas on our website have user identifiers, passwords or other access codes to be used to control access to your personal information. |
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| Links to Other Sites |
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| You may be able to access external websites by clicking on links provided through our forum pages. Those other websites are not subject to our privacy standards, policies and procedures. You will need to contact or review those websites directly to ascertain their privacy standards, policies and procedures. |
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| Gaining access to your personal information |
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| You can gain access to your personal information. This is subject to some exceptions allowed by law. Factors affecting a right to access include: |
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access would pose a serious threat to the life or health of any individual; |
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access would have an unreasonable impact on the privacy of others; |
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a frivolous or vexatious request; |
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the information relates to a commercially sensitive decision making process; |
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access would be unlawful; |
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access would prejudice enforcement activities relating to criminal activities and other breaches of law, public revenue, a security function or negotiations with you; |
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legal dispute resolution proceedings; |
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denying access is required or authorised by or under law |
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| We will give you reasons if we deny access. |
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| Contact us to get a form requesting access (see the Contacting Us section below). In some cases we may be able to deal with your request over the telephone or over a counter. |
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| Using Government Identifiers |
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| Although in certain circumstances we are required to collect government identifiers such as your tax file number, Medicare number or pension card number, we do not use or disclose this information other than when required or authorised by law or unless you have voluntarily consented to disclose this information to any third party. |
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| Dealing with us anonymously |
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| You can deal with us anonymously where it is lawful and practicable to do so. For example, if you inquire about our home loan interest rates you do not need to provide your personal details. |
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| Your sensitive information |
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| Without your consent we will not collect information about you that reveals your racial or ethnic origin, political opinions, religious or philosophical beliefs or affiliations, membership of a professional or trade association, membership of a trade union, details of health, disability, sexual orientation, or criminal record. |
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| This is subject to some exceptions including: |
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the collection is required by law; |
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when the information is necessary for the establishment, exercise or defence of a legal claim. |
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| Resolving your privacy issues |
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| If you have any issues you wish to raise with the Group, or would like to discuss any issues about our Privacy Policy, then you are able to do so in the following way: |
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| Contacting Us |
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| For more information about our Privacy Policy, please email feedback@myloanonline.com.au, or click on the Contact Us icon on our website. |
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| For more information about privacy in general, you can visit the Federal Privacy Commissioner’s website: http://www.privacy.gov.au/ |
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| TERMS OF USE |
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| About our Website |
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| This is a website operated by myloanonline.com.au Pty Ltd ("myloanonline.com.au") under the domain name "www.myloanonline.com.au". |
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| Your use of the information, graphics and materials on the website is governed by these Terms of Use and the Privacy Policy. |
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| Third Party Software |
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| Unless otherwise indicated software downloads available via links from our website are third party products. These products may be subject to a licence agreement between you and the relevant product owner. To the extent permitted by law, myloanonline.com.au accept no liability in respect of such third party products and myloanonline.com.au provide no warranty and give no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning these products. |
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| myloanonline.com.au Product Information and Supply |
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| Material on this website may contain general information about myloanonline.com.au products and services. Unless expressly stated otherwise, this information: |
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does not constitute an offer or inducement to enter into a legally binding contract; and |
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does not form part of the terms and conditions for myloanonline.com.au products and services. |
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| All applications for credit are subject to our normal credit approval criteria, and mortgage insurance approval by an authorised insurer. |
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| Warranties |
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| While we have made every effort to ensure that information is free from error, myloanonline.com.au does not warrant the accuracy, adequacy or completeness of material on this website. All information is subject to change without notice. myloanonline.com.au recommends that you seek independent advice before acting upon material on this web site or Third Party material. myloanonline.com.au does not guarantee that our website or Third Party websites will be free from viruses, or that access to our website or Third Party websites will be uninterrupted. |
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| Limitation of Liability |
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| Subject to any responsibilities implied by law and which cannot be excluded, no member of myloanonline.com.au is liable to you for any losses, damages, liabilities, claims and expenses (including but not limited to legal costs and defence or settlement costs) whatsoever arising out of or referable to material on the myloanonline.com.au website or to Third Party material, whether in contract, tort including negligence, statute or otherwise. |
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| Liability of any member of myloanonline.com.au for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at our option, to: |
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the supply of the goods or services again; |
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the repair of the goods; or |
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the payment of the cost of having the goods or services supplied again or repaired. |
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| Termination |
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| These Terms of Use (and the agreement constituted by your use of the information, graphics and materials on the myloanonline.com.au website) and your access to the website may be terminated at any time by us without notice. All restrictions, licences granted by you and all disclaimers and limitations of liability by us will survive termination, however, you will no longer be authorised to access the myloanonline.com.au website. |
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| Jurisdiction |
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| The myloanonline.com.au website and its contents are applicable only for Australian residents and Australian property security unless expressly agreed otherwise. |
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| Linking to Website |
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| The myloanonline.com.au website and its contents are applicable only for Australian residents and Australian property security unless expressly agreed otherwise. |
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| Copyright and Trademarks |
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| Copyright in the material on this website is owned or licensed by myloanonline.com.au. |
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| Except where necessary for viewing the material on this website on your browser, or as permitted under the Copyright Act 1968 (Cth) or other applicable laws or these Terms of Use, no material on this website may be reproduced, adapted, uploaded to a third party, linked to, framed, performed in public, distributed or transmitted in any form by any process without the specific written consent of myloanonline.com.au. |
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| Please contact us at feedback@myloanonline.com.au if you would like to place a link to any part of our website. |
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| Acceptance and Changes to Terms of Use |
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| You acknowledge and accept that your use of the myloanonline.com.au website indicates your acceptance of these Terms of Use and the Privacy Policy. |
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| These are the current Terms of Use. They replace any other terms of use for the myloanonline.com.au website published to date. We may at any time vary the Terms of Use by publishing the varied Terms of Use on our website. You accept that by doing this, myloanonline.com.au has provided you with sufficient notice of the variation. |
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| We at myloanonline.com.au reserve any rights not expressly granted in these Terms of Use. |
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