The ratesonline.com.au website is owned by Ratesonline Pty Ltd ACN 122 052 582 (Ratesonline). (“Ratesonline”, “we”, “us”, “our”) recognises the importance of your privacy and is committed to protecting any personal information that we collect from you, in accordance with the National Privacy Principles (the NPPs) contained within the Privacy Act 1988(Cth.).
The NPPs are made to protect the confidentiality of information and the privacy of individuals, by regulating the way “personal information” is managed. Personal information is information or an opinion, relating to an individual, which can be used to identify that individual.
· How to contact us if you wish to do so.
· How you can access and change any personal information we hold about you;
· What personal information is collected by us;
· How personal information is used;
· What security measures we have in place to protect against the loss, misuse or unauthorised alteration of personal information by us;
· With whom personal information may be shared;
Ratesonline only collects personal information required to enable a mortgage broker to perform their functions. The personal information collected and held by ratesonline may include details such as your name, telephone number/s, email address, suburb and information about your current financial position.
Collection of other information
Ratesonline also collects non-personal information, to allow us to track data, such as the total number of visits to the website and number of pages viewed by visitors. This non-personal information is collated by google analytics. We use this information, to understand how our visitors use our website, so that we can constantly improve and enhance our services.
Why we collect personal information
Ratesonline collect personal information about you so that we can understand and meet your needs to provide you with the services you are seeking. Consequently, if you choose to not provide certain personal information, we may not be able to provide you with the services you seek and/or we may not be able to provide to you the level of service that we pride ourselves on delivering.
How we collect personal information
We collect personal information directly from you when you submit your details in using our on-line forms.
How we use personal information gathered on our sites?
The applicant details gathered on our sites are used to:
· match your needs with products in our network database;
· inform mortgage brokers who hold agreements with ratesonline to access client enquiries;
· allow financial institutions to verify eligibility for our services;
· contact you regarding other products from ratesonline or partners that you may benefit from
Your personal information may also be used to marketing and promotional activities conducted by us, including by way of direct mail, telemarketing and email. Such marketing and promotional activities may be conducted by us to promote our own and/or third party services and products.
We will send marketing and promotional material to you only if you elect to receive it (by way of the relevant opt-in preferences on the website), or if it is provided in response to a specific request made by you. If you do wish to receive marketing and promotional material from us, please contact us by email at: firstname.lastname@example.org
Disclosure of personal information to third parties
So that we can enable a financial expert to assist you by providing information and finding the most suitable financial products, your personal information will be passed on to a participating financial services or credit assistance provision business. Participating financial services or credit assistance provision businesses are businesses with which we have legal agreements that govern the relationship between us and those businesses. All agreements require compliance with the Privacy Act 1988 by all parties.
Access to and correction of information we hold about you
At your request, we will provide you with access to your personal information, unless there is an applicable exception under the NPPs. If we do not grant you with access, we will tell you the reasons for that decision. We reserve the right to charge a reasonable fee to cover our costs incurred in searching for and providing to you the requested information.
To request access to your personal information, you may contact us by telephone, mail or email. Our contact details are listed below under contact us.
We aim to make sure that the personal information we collect, use and disclose is accurate, complete and current. The accuracy of personal information depends largely on the information provided to us by you. If the personal information about you that we hold is inaccurate, incomplete or no longer current, please contact us so that we may take reasonable steps to address this.
Storage and security of your personal information
Once any personal information comes into our possession, we will take reasonable steps to protect that information from misuse and from being accessed, modified or disclosed without authorisation. We require all staff to maintain the confidentiality of personal information. Access to information stored electronically is restricted to employees whose job requires access to that information. Access to our computer systems is restricted through password protection. Personal information no longer required is destroyed or de-identified.
Third party websites
Updates to this Policy
For further information about the protection of your privacy, please visit the Australian Information Commissioner’s website: www.privacy.gov.au
How to contact us
If you have any questions in relation to privacy, you may contact us in the following ways:
mail – The Privacy Office, ratesonline, 706 Glen Huntly Road, Caulfield South 3162
Ratesonline is 100% Australian owned and operated. ratesonline.com.au Pty Ltd Australian Credit License number 384404