PRIVACY POLICY – Home Loan Auctions Pty Ltd (ACN 120 671 070)

This document sets out to describe how Home Loan Auctions Pty Ltd will manage your personal information.

In this Privacy Policy, when we refer to ‘personal information’, we mean information that can identify you or from which your identity can be reasonably ascertained - for example, your name and contact details. By using this site, you agree to the terms of this Privacy Policy.

INTRODUCTION

The following privacy policy governs the collection and use of your personal information by Home Loan Auctions its related entities, subsidiaries, employees and the broker that will assist you (“we” or “us”).

Home Loan Auctions as with most private sector organisations in Australia must, by law, comply with the National Privacy Principles contained in the Privacy Act 1988 (Cth). The National Privacy Principles will apply from 21 December 2001, this privacy policy sets out how we intend to respect your rights to privacy in accordance with the National Privacy Principles from this date.

WHAT PERSONAL INFORMATION WE COLLECT

We only collect personal information that you choose to tell us & is necessary for us to perform our functions and activities which enable us to assess your suitability and eligibility for obtaining a home or commercial loan. We also need to collect your personal information so that we can provide you with services or to answer or forward your requests or inquiries.

The kinds of personal information we collect and hold will depend upon your dealings with us and the circumstances in which it was collected. When you apply for a loan information we may collect includes your name, address, telephone number, occupation, financial information, and, if applicable, identification information relevant to applications requiring compliance with the Financial Transactions Reports Act. We may collect Financial information about you such as your financial position and details of your salary or wage, and information obtained from credit checks carried out during the loan approval process (but only if you have authorised such checks to be carried out).

When we request your personal information, we will endeavour to specify which information we require for our purposes and which information may be provided at your option. You may choose not to supply any optional information requested by us.

HOW WE USE & DISCLOSE YOUR PERSONAL INFORMATION

You invite us and our sponsors and brokers to use your personal information for marketing purposes. This includes contacting you by telephone, mail or e-mail to discuss products and services we or our sponsors and agents may offer and which you may agree to purchase and this extends to goods or services from us or any third party.

Any personal information which we collect about you will be used by us;
To assess your application for a loan or offer to provide a guarantee and to facilitate provision and administration of loans and related activities.
To complete a transaction to which the provision of that personal information relates, for example, in the completion of loan application forms
To communicate information about our products and services to you;

In order to achieve the above we may disclose your personal information to:
Professional advisers such as solicitors, accountants and valuers; mortgage brokers; mortgage insurers; underwriters; government agencies such as those which administer land titles and revenue or (where applicable) foreign investments; credit reporting agencies and mercantile agents; external auditors; and other organisations which participate in funding, providing and administering your loan or the loan you have guaranteed, such as the trustee of the fund from which the loan is sourced.

You should be aware that providing information to a broker through our site will result in the information being passed onto the broker and your information may then be held in any way that does not conform to this Privacy Policy.

ACCESS TO YOUR PERSONAL INFORMATION

At any time, you may ask us to provide you with a list of the personal information we hold about you, and copies of that personal information. We will handle requests for access to your personal information in accordance with the National Privacy Principles.

We will endeavour to take all reasonable steps to keep any information that we hold about you accurate and up to date. If, at any time, you discover that information held about you is incorrect or if you otherwise wish to review or correct that information, please contact us.

DISCLOSURE

Apart from where you have consented or disclosure is necessary to achieve the purpose for which it was submitted, personal information may be disclosed in special situations where we have reason to believe that doing so is necessary to identify, contact or bring legal action against anyone damaging, injuring, or interfering (intentionally or unintentionally) with Home Loan Auctions Pty Ltd or www.HomeLoanAuctions.com.au rights or property, users of this site, or anyone else who could be harmed by such activities. Also, we may disclose personal information when we believe in good faith that the law requires disclosure.

THE STORAGE OF YOUR PERSONAL INFORMATION

We take all reasonable steps to ensure the security, integrity and privacy of your personal information & protect it from misuse, loss, unauthorised access, modification or exposure. We require all staff to maintain the confidentiality of customer information. Access to information stored electronically is restricted to employees whose job requires access to the information. Access to our computer systems is restricted through password protection and we review and update our security measures in light of current technologies

Unfortunately, no data transmission over the Internet can be guaranteed to be totally secure. We will nonetheless endeavour to take all reasonable steps to protect the personal information you may transmit to us.

In addition, our employees and the contractors who provide services related to our information systems are obliged to respect the confidentiality of any personal information held by us. However, we will not be held responsible for events arising from unauthorised access to your personal information.

CONTACTING US AND FEEDBACK.

If you would like more information about the way we manage your personal information or are concerned that we may have breached your privacy and wish to make a complaint, please contact us by either one of the following methods.
Email: Home Loan Auctions, contact us
Phone: 1300 882 997
Fax: 1300 667 038
In Person: Shop 3 / 458 Goodwood Rd Cumberland Park S.A. 5041

From time to time it may be necessary for us to review and revise our privacy policy. We reserve the right to change our privacy policy at any time. We may notify you of any change to our privacy policy by any means we choose including by email, by other electronic communication, by sending you a revised copy or by otherwise informing you that a revised copy of our privacy policy is available on request.

FURTHER INFORMATION

For more information about privacy issues in Australia and protecting your privacy, visit the Australian Privacy Commissioner’s website at www.privacy.gov.au