Privacy Policy
Last updated: January 2024
Introduction
AJ Home Loans Gladstone ("we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you use our services or visit our website.
We are bound by the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) and applicable State and Territory privacy laws.
Information We Collect
We may collect the following types of personal information:
Identity Information
- Full name
- Date of birth
- Address (current and previous)
- Contact details (phone, email)
- Identification documents (driver's licence, passport)
Financial Information
- Employment details and income
- Assets and liabilities
- Bank account statements
- Tax returns and financial statements
- Existing loan information
- Credit history
Website Usage Information
- IP address
- Browser type and version
- Pages visited and time spent
- Referring website
- Device information
How We Collect Information
We collect personal information through:
- Direct interactions (consultations, phone calls, emails, forms)
- Our website and online forms
- Third parties (with your consent) such as employers, accountants, and other financial institutions
- Credit reporting bodies
- Publicly available sources
How We Use Your Information
We use your personal information to:
- Assess your loan application and eligibility
- Submit applications to lenders on your behalf
- Provide mortgage broking and financial services
- Communicate with you about your application and services
- Comply with legal and regulatory obligations
- Improve our services and website
- Send marketing communications (with your consent)
Disclosure of Information
We may disclose your personal information to:
- Lenders and financial institutions for loan applications
- Credit reporting bodies
- Mortgage insurers
- Valuers and property assessors
- Legal and professional advisers
- Our aggregator and licensee
- Government authorities when required by law
We will not sell, rent, or trade your personal information to third parties for marketing purposes.
Credit Information
As a mortgage broker, we may collect credit information about you from credit reporting bodies. This credit information is used to assess your eligibility for credit products and is handled in accordance with Part IIIA of the Privacy Act 1988.
You have the right to request access to your credit information and to request corrections to any inaccurate information.
Data Security
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, and disclosure. Our security measures include:
- Secure storage of physical documents
- Password-protected electronic systems
- Encryption of sensitive data
- Limited access to authorised personnel only
- Regular security reviews
Data Retention
We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, and to comply with legal obligations. Mortgage broking records are typically retained for 7 years after the completion of the transaction.
Your Rights
Under the Privacy Act, you have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your information (subject to legal requirements)
- Withdraw consent for marketing communications
- Make a privacy complaint
Cookies and Website Tracking
Our website may use cookies and similar technologies to improve your browsing experience and analyse website traffic. You can control cookies through your browser settings.
We may use analytics services such as Google Analytics to understand how visitors use our website.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies.
Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.
Complaints
If you believe we have breached your privacy, please contact us using the details below. We will investigate your complaint and respond within 30 days.
If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:
- Phone: 0409 311 985
- Email: loans@ajhomeloansgladstone.com.au
- Address: 7/30 Tank Street, Gladstone QLD 4680