At the Home Loan Experts, we recognise how important it is to protect your personal information. This is strongly reflected in our privacy policy, which sets out when we will need disclose your details and how we will use them.

The following information sets out our rights and obligations when dealing with your personal information, in accordance with the National Privacy Principles set out under the Privacy Act 1988.

What is ‘personal information’?

Personal information basically means any information that identifies you or could identify you.

This include details such as your name and address. However, it may go beyond this to include information which discloses your opinion on something, or even your place of work.

What information do we collect?

We collect various details through our online enquiry forms including your personal details, such as your name, address, date of birth.

We also collect information about your financial situation, assets, employment and other details that may relate to your ability to borrow.

Withholding certain information from us may make it difficult for us to fully provide our services to you or properly communicate with you.

Why do you collect my personal information?

As mortgage specialists, it is important that we have all your necessary details so that we can properly advise you. Some of the reasons we collect your information include:

• To assess your financial position so that we can properly advise you in relation to your home loan application.
• To assess your credit position when we submit a mortgage application to another financial institution, on your behalf.
• To validate that you are a genuine visitor and not a spammer, as well as to direct you to parts of the website that you may find most useful (see our ‘cookies’ section below).

What do you do with my personal information?

We may use the information that you provide us with to send you information and promotional about products or services that we believe may be of interest to you.

This may include any offers, updates or changes to our company or website, that may be of direct relevance or interest to you.

From time to time, we may also send you details of any offers or services that are provided by our business partners or other related entities.
This may be communicated to you through telephone, email, fax or other methods.

We understand that you may not wish to receive this communication.

Please feel free to opt out or contact us so that we can ensure you aren’t sent any future unwanted material.

How we collect your personal information

The information that we have about you is usually harvested from our online enquiry forms, or given to us directly by you.

However, there will be instances where we have to obtain information about you from another organisation.

This includes things such as credit reports and any information relating to your finances or assets. However, we will inform you before we disclose your personal information to third parties.

Who will we disclose your information to?

Before we disclose your personal information to another organisation, we will take reasonable steps to ensure that:

• that organisation has a commitment to protecting your privacy
• you have provided us with written, oral or implied consent from your dealings with us

Why will we share your information with another organisation?

Our aim is to provide our customers with the best services and products available. At times we may have to consult external organisations to obtain certain information about you or to conduct credit checks.

In doing so, we will be required to disclose your personal information.

There will also be other circumstances where we may be compelled by law to disclose your personal information to certain authorities.

This includes any disclosure requirements we have under the Financial Transaction Reports Act, as well as tax legislation.

Keeping your personal information up to date

We rely on you to help us ensure that your personal information is accurate and up to date. Please contact us whenever there are changes to your personal details.

This way we will be able to continue communicating with you and offering you our services.

Accessing your personal information

You will always be entitled to access and correct your personal information such as your name, contact details and address.

If the information is more detailed, it might take some time and expense for us to access it.

We may charge a small fee for the cost of retrieving and supplying this information to you. Please note that it may take up to 20 working days to process your request.

How long do we keep information about you?

We are legally required to keep your personal information, even after we cease providing services to you.

However, once our obligation ends, we will safely destroy all of your personal information.

There may other information about you that we need for a specific purpose that you are aware of, or other information that you would reasonably expect us to hold.

When we no longer need this information, you can be assured that it will be destroyed or de-identified.

Is my personal information safe?

We understand our obligations when it comes to acquiring, handling, distributing and storing your personal information.

You can be certain that your personal information is safe and secure from misuse, unauthorised access, loss or modification or disclosure, without your consent.

Online security

We always try to ensure that your personal information will be safe when you visit our site. Our website uses encryption techniques to enhance your privacy and security on the Internet.

Through these techniques, we are also able to authenticate users, generally with ‘cookies’ that are used on the Guarantor Home Loan site.

What are ‘cookies’ and how do they work?

Cookies are small data files that are downloaded from our web servers and stored on your hard drive.

A cookie is a string of letters and numbers that uniquely identify the computer you are using and the customer number and access code you may have used to register at the site.

This type of cookies does not contain any of your personal information.

We are simply able to track a visitor’s journey through our site and store their preferences. This allows us to find out what information is of most interest to you.

Generally, the settings on most web browsers can be set up so that cookies are disabled. Cookies can also be deleted from your hard drive; however doing so may prevent users from accessing some areas of our site.

Contacting us

If you have any privacy questions or any other concerns, please feel free to contact us. We always endeavour to ensure that our customers are satisfied.

We aim to be as fair and responsive as possible when dealing with your enquiries. If you wish to update or access your personal details, please write to us at the following address:

Guarantor Home Loan

PO Box 3726 Rhodes NSW 2138
or email info@homeloanexperts.com.au

Complaints

Please contact us if you have any complaints about any of the above information. We look upon your suggestions or comments as ways to improve our existing system and policy.

If you feel that the matter has not been satisfactorily resolved, please refer your complaint to the Federal Privacy Commissioner:

Office of the Federal Privacy Commissioner
Level 8, Piccadilly Tower
133 Castlereagh Street
Sydney NSW 2000

Ownership

This website is the property of The Trustee for the Dargan Financial Discretionary Trust T/AS Dargan Financial ABN 68 702 047 521.