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Home Loan PrivacyPrivacy Statement Please note that when using this website or by registering with us, you consent to the collection, use and disclosure of your personal information, but only in accordance with this Privacy Policy which directs that such information is handled sensitively, securely, and in accordance with the National Privacy Principles. What personal information is collected?
We will also collect personal information when you submit queries to us through our website. This is so that we can reply to your queries or requests for service. What other information is collected? How will information collected on this site be used? Information about the kinds of mortgage products you are interested in and inquire about may also be combined with other users' information to generate statistics about the types of mortgage products that people are searching for. We may contact you in the future to communicate information about our products and services to you, or for our internal administrative, marketing, planning, product development and research requirements. At any time you may opt out of receiving any communications from us (other than as required for the operation of our business). If you wish to opt out of receiving communications from us please either contact your broker or let us know via the "Contact us" form on our website. Navigational Data Will personal information about me be given to anyone else? In order to provide you with this choice, we may pass this information to the following parties:
Where it is necessary for law enforcement purposes or where we believe there is a threat to a person's safety or health, we may need to disclose your personal information to third parties as required by law. Our site from time to time may contain links to other websites. Please note that these websites may have a different privacy policy to ours, and you should check their policy on those sites. How is my information kept safe? Can I access personal information held about me? Contacting us. How often should I check this privacy policy? Further Privacy Information LegalInformation on this Internet site and the associated news letter "The REAHL Deal" should not be regarded as a substitute for professional legal or financial advice. 1. REALESTATE.COM.AU Financial Services PTY LTD trading as realestate.com.au Home Loans ABN 80 099 054 663 (" REAHL ") and its related entities responsible for maintaining this Internet site and its directors, officers and agents believe that all information contained within this Internet web site is correct. 2. Any advice contained on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice on this website, we recommend that you consider whether it is appropriate for your circumstances. However no warranty is made as to the accuracy or reliability of the information contained herein and (REAHL) accepts no responsibility for the completeness or accuracy of any of the information contained on or accessed through this site and make no representations about its suitability for any particular purpose. Users should make their own judgments about those matters. To the extent permitted by law, REAHL excludes all liability for loss or damage arising from the use of, or reliance on, the information contained on or accessed through this website whether or not caused by any negligence on the part of REAHL or its agents. 3. Information or materials which are offensive, pornographic, unsuitable for minors' access or otherwise of a criminal or violent nature may be accessible through this site either as a result of hacking or material placed on linked websites. REAHL makes no representations as to the suitability of the information accessible for viewing by minors or any other person. 4. You assume all risks associated with use of the website including, without limitation:
5. realestate.com.au Financial Services Pty Ltd . 6. Your use of this website may be logged for the purpose of security and usage monitoring. 7. Unauthorised use of this website could result in criminal prosecution. 8. This website is hosted on a web server in Australia. These terms are governed by the law in the force in the State of Victoria in the Commonwealth of Australia and any dispute about these terms or the contents of this website are subject to the exclusive jurisdiction of the courts of the State of Victoria and the courts of appeal from them. 9. Customer Dispute Resolution Process: realestate.com.au/homeloans prides itself on the high quality of service that our mortgage consultants provide. However, there are occasions where you may feel dissatisfied with the service provided. If this is the case, we are keen to hear of your grievance so that we may resolve the issue as soon as possible. The process is as follows: In the first instance, you should try to resolve the issue with the Mortgage Consultant that arranged your finance as soon as possible. This should be done in writing or email to ensure that you have a record of the initial complaint, but can be done verbally. The Consultant will respond to you in writing, within 14 days of receiving your initial complaint. If you are dissatisfied with the response from the Consultant, or feel uncomfortable making the complaint to them directly, you should contact realestate.com.au/homeloan's Complaint Contact Person. The Complaint Contact Person (CCP) has sufficient experience to understand your complaint, and is a senior employee of realestate.com.au/homeloans. Their details are as below:
The Complaints Contact Person will request a statement from the Consultant in relation to their version of events. This will be required to be provided within 5 working days of the CCP receiving your complaint. The CCP will inform the Consultants Regional Manager that a complaint has been made, the details of the complaint and that it is in the process of being resolved. You will receive a response in writing within 30 days of contacting the CCP, advising you of the reasons for the outcome, and explaining what further action is open to you if you are unsatisfied with the response. If you are not satisfied with the response to your complaint provided by the CCP, realestate.com.au/homeloans is a member of Credit Ombudsman Services Limited (COSL). This is an external independent dispute resolution process and their services are provided free of charge. Contact details are listed below:
You may also refer the matter to the Mortgage and Finance Association of Australia if you are not seeking monetary compensation. SecurityWe strive to ensure the security, integrity and privacy of personal information submitted to our sites, 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. However, we will endeavour to take all reasonable steps to protect the personal information you may transmit to us or from our online products and services. Once we do receive your transmission, we will also make our best efforts to ensure its security on our systems. 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. More information or helpFor confidential assistance with your home loan or to talk to your local mortgage broker, call us at any time on 13LOAN or call our direct line on +61 2 9018 8417. |
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