Privacy Policy

At H.O.M.E. Pty Ltd (ABN 55 067 982 530) we want to provide the best possible service to our

H.O.M.E. Pty Ltd (H.O.M.E. Pty Ltd) is an Australian organisation providing finance products, loan

tracking and loan processing services to our clients.

H.O.M.E. Pty Ltd comprises of two offices with the following contact details:

15 Timberlea Court

Helensvale QLD 4212

Phone: (07) 5573 2000

Fax: (07) 5573 2499

Suite G03, 620 St. Kilda Road

Melbourne VIC 3004

Phone: (03) 9530 2620

Fax: (03) 9533 2585

Personal Information is information or an opinion (including information or an opinion forming part

of a database) whether true or not, and whether recorded in a material form or not about an

individual whose identity is apparent, or can reasonably be ascertained, from the information or

opinion.

Sensitive information is a subset of personal information. It means information or opinion about an

individual’s racial or ethnic origin, political opinions, membership of political association, religious

beliefs or affiliations, philosophical beliefs, membership of a professional or trade association,

membership of a trade union, sexual preferences, criminal record or health information about an

individual.

It is essential for H.O.M.E. Pty Ltd to collect personal information to complete its standard business

activities of providing finance products, loan tracking and loan processing services.

When collecting information we:

Establish and maintain a database for tracking loan stages to ensure prompt and efficient service

from lenders

Establish and maintain a database for tracking lead stages to ensure prompt and efficient service

from our contractors

Establish and maintain a database for commission processing and follow-up

Assess clients’ current situation, so as to provide information enabling the client to choose the

most appropriate financial product for their needs

Collection and usage of personal information is essential for us to complete our business with

clients. Where reasonable and practicable, H.O.M.E. Pty Ltd collect personal information directly

from clients. This may occur for example when completing an application form for a product or

request a product or service over the telephone or Internet.

Where not reasonable or practicable to collect personal information directly, H.O.M.E. Pty Ltd rely

on third parties. Below are examples of situations where we may receive personal information from

another source, and why this would happen.

Application for a service through an H.O.M.E. Pty Ltd business alliance

Processing of online enquiries for service provision

A credit reference report from a credit reporting agency in the course of assessing a loan

application

A Mortgage Originator who provides H.O.M.E. Pty Ltd the information to meet legislative

requirements

In the majority of circumstances H.O.M.E. Pty Ltd will require your specific consent before we

collect, use or disclose personal information. Consent will be obtained in writing; however, there

may be some situations where your verbal consent is accepted.

H.O.M.E. Pty Ltd does not generally disclose personal information to any other party, unless

required or authorised by law, consent is given, or is required to complete a business transaction.

There are times when H.O.M.E. Pty Ltd is required or authorised by law to disclose

personal information. Personal information may be required in accordance with taxation

law to be provided to the taxation office, or under subpoena to a Court of Law.

Personal information may also be disclosed where consent has been obtained. Consent may be

received directly from a client, as set out above, or may be implied from a client’s conduct.

Personal information is only disclosed to parties outside H.O.M.E. Pty Ltd where it is required to

complete business activities. Some examples where this may occur are: -

Lenders for the completion of finance applications

IT service providers for maintenance of H.O.M.E. Pty Ltd computers and web services

The Mortgage Broker who originally serviced your finance needs

It is essential to H.O.M.E. Pty Ltd that personal information is complete and up-to-date at all

times to effectively conduct standard business activities.

When using personal information we will contact a client to determine if any personal details

have changed. H.O.M.E. Pty Ltd can also be contacted at any time to update personal

information, or to advise that information held is inaccurate or incomplete.

Individuals can request access to their personal information by contacting the H.O.M.E. Pty Ltd

Head. A summary of personal information (E.g. name, address, phone number) is freely

accessible.

In some situations, where the information requested goes beyond a basic summary, a fee may be

charged for access. This fee is used to cover the cost to H.O.M.E. Pty Ltd for retrieving and

supplying the information.

H.O.M.E. Pty Ltd will endeavor to handle all requests for personal information within 30 days of

having received the request. Some requests may take longer than 30 days, depending on the

information sought, in which case the individual will be notified of the expected time frame as

soon as is practicable.

There are some circumstances where requests for access to information may be denied by

H.O.M.E. Pty Ltd, such as where the information may relate to existing or anticipated legal

proceedings, where denying access is required or authorised by law, or where the request for

access is regarded as frivolous and vexatious.

If a request to access or change personal information is denied, we will offer a formal

explanation for our actions.

It is of utmost importance to H.O.M.E. Pty Ltd that personal information is protected from

unauthorised access, loss, modification, misuse or disclosure. H.O.M.E. Pty Ltd employs the

following means to ensure that personal information is protected at all times:

Monitored security system

Security key access

Username and Password required for access to the local intranet

Restricted access to databases containing personal information

Defined levels of access to databases containing personal information

All staff are required to sign confidentiality agreements as a condition of employment

Backup and Disaster recovery plans to handle major business interruptions

Regular maintenance and updating of technology products and security systems to prevent

unauthorised computer access

When information is no longer required we ensure that it is deleted from our systems, destroyed in

a secure manner, or permanently de-identified.

H.O.M.E. Pty Ltd understands the importance of privacy to the users of the H.O.M.E. Pty Ltd

website (www.home-pty-ltd.com). The following statement outlines how in the context of the

H.O.M.E. Pty Ltd web site information is used, protected and recorded. By using the site visitors

consent to the uses below mentioned.

Our server records the information provided by browsers when visiting the H.O.M.E. Pty Ltd web

site. This includes the date and time of visits, the pages accessed and documents downloaded. It also

includes servers IP addresses and if referred from another site, the address of the referring site.

H.O.M.E. Pty Ltd mostly use the information to make this web site more user-friendly and useful

to visitors, and to monitor site use.

In common with most other web sites, our web site uses Cookies to enhance the functionality, keep

track of visits and provide personalised features. Browser’s can generally be configured not to

accept Cookies, however some functionality of our site, and other sites will be lost. The use of online

services creates the need for us to be able to identify the visitor and cookies are used for this

purpose.

The type of information H.O.M.E. Pty Ltd collects is dependent on what products and services are

accessed on the website. Where specific terms and conditions for a product or service apply they

will supersede this general statement to the extent they are inconsistent with it.

H.O.M.E. Pty Ltd may use information and contact details, gathered through use of the H.O.M.E.

Pty Ltd web site, or linked or embedded sites for answering queries, identifying products and

services which we consider may be of interest, tailoring the site content presented so it fits expected

requirements and for marketing purposes within the H.O.M.E. Pty Ltd Group. We may also use your

information for other purposes permitted by law, or which a visitor would reasonably expect, such

as up-dating our records, contact, or for statistical purposes.

Where applying for a particular product or service through this site the application form may contain

special consents concerning the use of information. If consent is provided, which will usually be

required before the application can proceed, we may use information as permitted and also for the

above purposes.

In common with other financial service providers we use agents and other third parties to provide

some services to H.O.M.E. Pty Ltd and for this purpose we sometimes need to provide them with

relevant parts of the information, which we have obtained from clients under their contracts. These

third parties are required to keep your information confidential and use it only for the purposes for

which we are permitted.

We may offer through this site products or services that are supplied by or through other

organisations. If a client enquires about the service we will need to pass to them relevant details

about the client and their enquiry, to complete the transaction. If provided information to sites linked

to or embedded in the H.O.M.E. Pty LtdOnline web site we may see that information but any use

of it by us will be subject to this privacy statement.

H.O.M.E. Pty Ltd takes all reasonable steps to protect clients’ security when using our web site

but they you should be aware that no transmission of information to and from web sites is ever

totally secure.

In some circumstances certain Commonwealth identifiers (e.g. Tax File Numbers) may be collected

as proof of identity when carrying out standard business activities. These identifiers are securely

destroyed, and are not used by H.O.M.E. Pty Ltd in any way to identify an individual. Wherever it

is lawful and practicable to do so H.O.M.E. Pty Ltd will endeavor to deal with clients anonymously.

For example, when a client requests information regarding the services offered by H.O.M.E. Pty

Ltd.

Sensitive information (as defined above) is only collected by H.O.M.E. Pty Ltd where consent has

been obtained, it is allowed by law, or the collection is necessary for the establishment, exercise or

defense of a legal claim.

As a part of our data security, H.O.M.E. Pty Ltd utilizes Disaster Recovery and replication sites on

our IT partners’ (Secure Services) web and data servers in Wellington New Zealand.

Any complaints with regard to the handling of your personal information in breach of this Privacy

Policy can be directed to:

H.O.M.E. Pty Ltd

PO Box 249

Helensvale Qld 4212

Any complaints that have not been handled satisfactorily by H.O.M.E. Pty Ltd can be referred to

the Federal Privacy Commissioner,

Telephone: 1300 363 992, or

Address: Director of Complaints Office of the Federal Privacy Commissioner GPO Box 5218