Privacy Policy
This Privacy Policy applies to the services offered on the Home Loan Club web site offered by Club Financial Services Pty Ltd (ABN 39 809 517 980) ("Club Financial Services"). Please read this Privacy Policy carefully before using the Home Loan Club web site. Usage of the Home Loan Club web site is conditional upon you agreeing to be bound by this privacy policy.
In summary, while you should read each provision in
this Privacy Policy, you must note that by using the
Home Loan Club website:
You agree that if you submit your personal information
to us, we may create a database record about you;
You agree for us to use cookies on your browser (unless
you remove them - please see below for explanation);
1. Your personal information is important to us
Home Loan Club is committed to safeguarding your personal
privacy. We recognise that you have a right to control
how your personal information is collected and used.
We know that providing personal information is an act
of trust and we take that seriously.
Unless you directly give us consent to do otherwise,
Home Loan Club will only collect and use your personal
information as set out below
2. Our services
Home Loan Club offers a variety of services on our web
site related to our products, which might be of interest
to you. These services may have specific conditions,
which are explained at the time when you purchase those
services, in addition to these general Terms and Conditions.
Our services include:
- Products available for application
- Software available for download
- Information about new products or services from Home
Loan Club
3. Collecting information about you
Home Loan Club will not collect or monitor any personal
information about you without your consent. The only
personal information we collect is what you tell us
about yourself, for example by joining a rate update
on our site, and information about how you use our site.
When you apply for a product from us (online or in a
store), we may ask for your personal information (such
as name and address) in order to service your application.
You do not have to provide us with this information
if that is your preference. However, failure to do so
may result in Home Loan Club being unable to sell you
products and/or provide certain services including after
services.
4. Our use of cookies
Cookies are pieces of information that a web site transfers
to your computer's hard disk for record keeping purposes.
Most web browsers are set to accept cookies. Home Loan
Club uses cookies to make your use of our website and
services as convenient as possible. Cookies do not themselves
personally identify users, although they do identify
a user's browser. Cookies allow us to remember the information
you have entered as you move through our site, and let
us know how many people are using the different parts
of the site. If you do not wish to receive any cookies
you may set your browser to refuse cookies. However,
this may mean you will not be able to take full advantage
of Home Loan Club's web site.
When you submit information on our site anonymously,
such as when using a rate calculator, we do not link
this information back to a cookie which identifies you
or retain it in any way unless you have agreed to this
information being retained.
5. Using and disclosing your personal information
We intend to use your information for the following
purposes only.
- To fulfil our obligation under any contract and/or
any other contract between you and Home Loan Club
- To provide you with information about our products,
service and/or special offers
- To ask you for your opinion or comments about our
products and/or services
- To track general traffic patterns showing the usage
of our web site, without identifying the usage patterns
of any particular individual
Please also note that in order to operate the web site
or deliver a service we may sometimes share your personal
information with a service provider, a non-Home Loan
Club company.
As Home Loan Club recognise the trust you place in us
when you give us personal information, we will not use
or disclose any information about you for other purposes
without your consent, except for in exceptional cases
such as if disclosure is required by laws or is necessary
to protect the rights or property of Home Loan Club
or Club Financial Services, or any member of the public,
or to lessen a serious threat to a person's health or
safety.
6. When we will contact you
We may contact you at the email or other address, which
you provide to us in order to:
Provide you with information which may be of interest
about updates, new Home Loan Club products and other
matters which may interest you
To send you a newsletter
We will not send you 'spam' (advertising information)
without first asking you whether you wish to have promotional
information sent to you. If you are receiving communications
from Home Loan Club and do not wish to receive this
information any longer, you may remove your name from
our list either by contacting us or by calling Home
Loan Club on the customer enquiry number 1300 557 600
7. Storage and security of your personal information
Club Financial Services and Home Loan Club will endeavour
to take all reasonable steps to keep secure any information,
which we hold about you, and to keep this information
accurate and up to date. Your information is stored
on secure servers that are protected in controlled facilities.
Our employees and data processors are obliged to respect
the confidentiality of any personal information held
by Club Financial Services. However, as we cannot guarantee
the security of communications over the Internet, we
cannot give an absolute assurance that your information
will be secure at all times. Home Loan Club and Club
Financial Services will not be held responsible for
events arising from unauthorised access to your personal
information.
8. Home Loan Club and links to other web sites
Home Loan Club provides links to web sites outside of
the Home Loan Club site. These linked sites are not
under the control of Home Loan Club, and we are not
responsible for the conduct of companies linked to our
web site. Before disclosing your personal information
on any other web site, we advise you to examine the
Terms and Conditions of those web sites.
9. Accessing personal information held
If at any time you want to know what information we
hold about you, you are welcome to request your personal
information by emailing us at
support@Home-Loan-Club.com.au
If you want to change and correct personal information that is inaccurate or out of date, please email us at support@Home-Loan-Club.com.au To have personal information deleted, please let us know in the same manner, and we will take reasonable steps to delete your personal information unless we need to keep it for legal reasons.
10. What to do if you have a problem or question
If Home Loan Club becomes aware of any ongoing concerns
or problems with areas on our website, we will take
these issues seriously and work to address these concerns.
If you have any further queries relating to our Privacy
Policy, or you have a problem or complaint, please contact
us or call the customer enquiry number 1300 557 600
11. Future changes
Our commitment to be a leading provider of online financial
services means that our business will continue to evolve
as we introduce new services and features to our web
site. Because of this, from time to time, our policies
will be reviewed and may be revised. Home Loan Club
reserves the right to change its privacy policy at any
time and notify you by posting an updated version of
the policy on its web site. The amended Privacy Policy
will apply between us whether or not we have given you
specific notice of any change.
Date of issue: June 25, 2003.
