PRIVACY POLICY
At Equity Home Loans, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth). This Privacy Policy outlines how we manage and safeguard your personal information.
What Information Do We Collect and How Do We Use It?
When you engage our services, we collect personal information to assist you with your finance needs. This may include sensitive information (such as health information) and any information you provide about vulnerabilities you may have.
We use the information you supply to:
Advise you about suitable credit options.
Assist with your credit applications.
Provide product information you request.
Manage our ongoing relationship with you (e.g., invoicing, surveys).
We may communicate with you via mail or electronically unless you instruct us otherwise.
Occasionally, we may also notify you about promotions, new services, special offers, events, or articles we believe may be of interest to you. If you prefer not to receive these communications, you can opt out by contacting us.
Additionally, we may use your information internally to enhance our services and address any concerns.
What If You Don’t Provide Some Information?
Without full and accurate information, we may not be able to properly advise or assist you with your credit requirements.
How Do We Hold and Protect Your Information?
We take all reasonable steps to maintain the accuracy, completeness, and security of the personal information we hold. We retain your information only as long as necessary for business, legal, or regulatory purposes.
Information you provide may be stored in our secure internal systems or via external storage solutions, including cloud-based services. As cloud storage can be accessed globally, it is not always practicable to identify the specific location where your data may be held.
We implement a range of security measures to protect your information, including:
Secure databases
Restricted staff access
Password-protected systems
Internet firewalls and routers
All staff at Equity Home Loans are bound by confidentiality agreements, and we regularly review security developments to maintain your information’s safety. When personal information is no longer needed, we will securely destroy or de-identify it.
Please note: Despite our best efforts, electronic communications over email or the internet may not always be fully secure.
Will We Disclose Your Information to Anyone?
We do not sell, trade, or rent your personal information.
We may disclose your information:
To our credit licensee for administrative purposes.
To contractors providing services on our behalf (e.g., mailing services).
In the event of a corporate sale, merger, or reorganization.
If legally required or permitted under the Privacy Act.
We will take all reasonable measures to ensure that third parties protect your information to the same standard we do.
How Can You Check, Update, or Change Your Information?
If you wish to access or update your personal information, please send a written request to:
Privacy Officer
Equity Home Loans
Email: hello@equityhomeloans.au
Upon verifying your identity, we will provide access to your personal information or correct any inaccuracies. There is no charge to request access or corrections, although a small administrative fee may apply for processing.
Your Consent
By engaging us to assist with your credit needs, you consent to the collection, use, and disclosure of your personal information as outlined in this policy.
Tell Us What You Think
We welcome your feedback and questions about privacy. If you have any concerns, please contact:
Privacy Officer
Equity Home Loans
Email: hello@equityhomeloans.au
Complaints
Internal Dispute Resolution
If you have a complaint regarding your privacy, please let us know by email. Your complaint must be submitted in writing to:
Complaints Officer
Equity Home Loans
Email: hello@equityhomeloans.au
Please provide as much detail as possible regarding your concern. We are committed to resolving complaints promptly and fairly.