The kinds of things you do on our websites might mean we need to collect your personal information. If you want us to send you emails, for example, we’ll need to collect your email address. So, a lot of the time, you’ll know what info we’re collecting, and when. After all, you’ll be giving us the information yourself.
We might also collect non-personal information, like a list of the pages you look at on our websites. We do this so that we can give you the most helpful, personal experience of our services. For example, we use it to suggest properties like the ones you look at most often. We often use cookies or other technology to collect this kind of info. So, you might not realise every time it’s happening.
By using our sites, you agree to only ever give us:
We’ll only ever use or share your information for the purpose you gave it to us for, or something closely related to that. For example, if your sign up to a newsletter for first-home buyers, we might also show you articles with home-buying tips when you come to our websites.
You can always control the information we collect about you.
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What actual information are we talking about? It can include your:
What if you use our services through a social network, or log in here using your social network credentials? We’ll collect information from that social site, such as your:
If you subscribe to alert services on this website, of course we’ll need to collect your name and email address.
We might also use tracking technologies to collect non-personal information about you. Those technologies include cookies, web beacons, pixels and measurement software. And they might collect data about your activities on our websites, including IP addresses. Our service providers, and third parties like analytics, advertising or ad-serving partners, can do the same. They might use cookies to collect information about your visits to our websites. These tracking technologies can collect information about you even if you are not logged into our website, and we use this information to provide you with a more personalised experience and to further improve our products and services. We may also websites so that we can provide you with targeted content and advertisements, including on third party websites or platforms.
We may also collect your personal information through our other businesses, service providers and third parties. This helps us provide better, more relevant services and products to you.
"},"isRSC":null},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box"}}}]},{"title":"How we use it","defaultExpanded":false,"content":[{"@type":"@builder.io/sdk:Element","@version":2,"id":"builder-f3f50ee6136e455e91ca48e0d47d3a81","meta":{"previousId":"builder-d4899d2ce66a4b128428a88d79e87893"},"component":{"name":"ConstructKit Rich Text","options":{"text":"In a nutshell, we use the personal information we collect about you to:
More specifically, we use personal info we’ve collected to:
Without your personal info, we may not be able to provide these services.
We use the information we collect through cookies and web beacons in line with this Privacy Policy, to do things like:
We might use your personal information to tell you about things we think might interest you. That includes offers, promotions, products or services, for example.
If we contact you for these reasons, you’ll always be able to “opt out”. That means you can ask that your info isn’t used to do this again.
We might also share your information with our related businesses, service providers and other third parties. We do this so they can:
In both cases, they may contact you. They may also use your info to deliver more relevant services, direct marketing and advertising on our website, or on third-party sites.
We might also share your personal information in these cases:
Sometimes, you might use our sites to ask for information from another organisation. We’re not responsible for what they do with any personal information you send in your request. Check their privacy policies to make sure you’re satisfied with the ways they protect and use your data.
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In some cases (for instance, if you apply for an insurance product), we’ll collect sensitive information such as your health details. We’ll only do this with your consent.
We may also collect credit information about you. It’s used to assess your eligibility for a loan and may include:
There may be times you need to give us another person’s personal information. When you do so, you’re confirming you have their consent. You’re also confirming you have their consent for us to use and share their information as described in this policy.
Usually credit information is exchanged between credit and finance providers and credit reporting bodies.
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We may use your information to tell you about offers, promotions, goods or services we think you’ll like.
And if you ask for a product or service, we may share your info with our service providers or third parties to make sure you get what you want.
Don’t want to receive direct marketing? Let us know by emailing info@mortgagechoice.com.au or contacting your broker. And if you get an email you no longer want, you can unsubscribe by clicking a link inside the email.
Government Related Identifiers
If we collect government identifiers, like your Tax File Number, we only use or share it as the law requires.
Credit-related information
The law requires us to tell you about important matters regarding your credit-related information. You can ask to get this information and policy in a different way.
If you think you’ve been, or are likely to be, the victim of fraud, you can ask a credit reporting body to place a ban on your credit report. This stops them from using or disclosing your credit-related information for 21 days. They’ll also tell you your rights and required information before the ban expires.
You can contact these credit reporting bodies for more information:
If you apply for or become a franchisee or broker, we may collect your:
When you apply, we might use your personal information to:
If you become a franchisee or broker, we might then use it to:
Some of the common cases when we might collect your personal information include:
The kinds of personal information we collect about you can include your:
What if you use our services through a social network, or log in here using your social network credentials? We’ll collect information from that social site, such as your:
We may also get personal information about you from:
We’ll collect information directly from you where we can.
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","variant":"body01","htmlTag":"p","colorType":"textPrimary","textDecoration":"none"},"isRSC":null},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","marginTop":"0px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"id":"builder-06f4c7633ca643059f46463425ebc4ee","component":{"name":"ConstructKit Text","options":{"content":"We have internal controls to make sure we only collect the smallest amount of personal info we need for any given purpose. ","variant":"body01","htmlTag":"p","colorType":"textPrimary","textDecoration":"none"},"isRSC":null},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","marginTop":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"id":"builder-4f23817011d0435ca50eee45eb71cd94","component":{"name":"ConstructKit Text","options":{"content":"Our employees are all obliged to respect the confidentiality of your info. So are any third parties who provide services related to our information systems. 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","variant":"body01","htmlTag":"p","colorType":"textPrimary","textDecoration":"none"},"isRSC":null},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","marginTop":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"id":"builder-b0b7143fb2a54c7b953d9acbdaae4c9b","component":{"name":"ConstructKit Text","options":{"content":"We use a thorough process to assess the IT security of any suppliers who may hold or process your personal info on our behalf. ","variant":"body01","htmlTag":"p","colorType":"textPrimary","textDecoration":"none"},"isRSC":null},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","marginTop":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"id":"builder-af264b4390a343068e6978ad0321ec6e","component":{"name":"ConstructKit Text","options":{"content":"We constantly review and update our security measures in line with current technologies. Unfortunately, no data transmission over the internet can be guaranteed to be totally secure. ","variant":"body01","htmlTag":"p","colorType":"textPrimary","textDecoration":"none"},"isRSC":null},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","marginTop":"20px"}}},{"@type":"@builder.io/sdk:Element","@version":2,"id":"builder-6aec8b2751dc450d9c835145cc2d5483","component":{"name":"ConstructKit Text","options":{"content":"See \"Storing and securing your data\" below for more details.","variant":"body01","htmlTag":"p","colorType":"textPrimary","textDecoration":"none"},"isRSC":null},"responsiveStyles":{"large":{"display":"flex","flexDirection":"column","position":"relative","flexShrink":"0","boxSizing":"border-box","marginTop":"20px"}}}]},{"title":"Credit reporting policy","defaultExpanded":false,"content":[{"@type":"@builder.io/sdk:Element","@version":2,"id":"builder-bfb1dce2531d40869aec83009204f55e","properties":{"id":"apply-home-loan"},"component":{"name":"ConstructKit Rich Text","options":{"text":"We provide what’s called “commercial credit” (in the Privacy Act) to businesses who apply for credit to use our services. They include real estate agents, developers and business brokers, for example. We don’t provide any consumer credit.
References to “you” and “your” in this credit reporting policy relate to people that we hold credit info, or credit eligibility info, about.
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Credit eligibility information is about how you manage credit issued by other providers, like financial institutions or other businesses.
We often get this info from credit reporting bodies (CRBs). We might also get it from other third parties where the Privacy Act allows us to. For example, with your consent we might get info from other credit providers, public registers, your employer(s), your representatives (including your legal adviser, mortgage broker, financial adviser etc.), other organisations that provide products or services to you and other commercial information service providers like companies that deal with fraud prevention.
The credit information and credit eligibility information we may collect includes:
We may also derive credit-worthiness information, such as a credit risk score, from data we get from a CRB.
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Australian Financial Complaints Authority Limited
GPO Box 3
Melbourne
VIC 3001.
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