PRIVACY POLICY

Last update 27-06-2024  

How To Home Loan is committed to providing quality services to you and this policy outlines our
ongoing obligations to you in respect of how we manage your Personal
Information.

We have adopted the Australian Privacy Principles (APPs)
contained in the Privacy Act 1988 (Cth) (the Privacy Act). The NPPs govern the
way in which we collect, use, disclose, store, secure and dispose of your
Personal Information.

A copy of the Australian Privacy Principles may be obtained from the website of The Office of the Australian Information Commissioner at https://www.oaic.gov.au/.

  What personal information do we collect from the people that visit our blog, website or app?   When ordering or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number, credit card information or other details to help you with your experience.   When do we collect information?   We collect information from you when you register on our site, place an order, subscribe to a newsletter, respond to a survey, fill out a form or enter information on our site.   Provide us with feedback on our products or services How do we use your information?   We may use the information we collect from you when you register, make a purchase, sign up for our newsletter, respond to a survey or marketing communication, surf the website, or use certain other site features in the following ways: • To personalize your experience and to allow us to deliver the type of content and product offerings in which you are most interested. • To improve our website in order to better serve you. • To allow us to better service you in responding to your customer service requests. • To administer a contest, promotion, survey or other site feature. • To quickly process your transactions. • To ask for ratings and reviews of services or products • To follow up with them after correspondence (live chat, email or phone inquiries)   How do we protect your information?   Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible. We use regular Malware Scanning. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.   We implement a variety of security measures when a user places an order enters, submits, or accesses their information to maintain the safety of your personal information.   All transactions are processed through a gateway provider and are not stored or processed on our servers.   Do we use 'cookies'?   Yes. Cookies are small files that a site or its service provider transfers to your computer's hard drive through your Web browser (if you allow) that enables the site's or service provider's systems to recognize your browser and capture and remember certain information. For instance, we use cookies to help us remember and process the items in your shopping cart. They are also used to help us understand your preferences based on previous or current site activity, which enables us to provide you with improved services. We also use cookies to help us compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future.   We use cookies to: • Help remember and process the items in the shopping cart. • Understand and save user's preferences for future visits. • Keep track of advertisements. • Compile aggregate data about site traffic and site interactions in order to offer better site experiences and tools in the future. We may also use trusted third-party services that track this information on our behalf.   You can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies. You do this through your browser settings. Since browser is a little different, look at your browser's Help Menu to learn the correct way to modify your cookies.   If users disable cookies in their browser:   If you turn cookies off, Some of the features that make your site experience more efficient may not function properly. Some of the features that make your site experience more efficient and may not function properly.       Third-party disclosure   We do not sell, trade, or otherwise transfer to outside parties your Personally Identifiable Information unless we provide users with advance notice. This does not include website hosting partners and other parties who assist us in operating our website, conducting our business, or serving our users, so long as those parties agree to keep this information confidential. We may also release information when it's release is appropriate to comply with the law, enforce our site policies, or protect ours or others' rights, property or safety.   However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.   Third-party links   Occasionally, at our discretion, we may include or offer third-party products or services on our website. These third-party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.   Google   Google's advertising requirements can be summed up by Google's Advertising Principles. They are put in place to provide a positive experience for users. https://support.google.com/adwordspolicy/answer/1316548?hl=en We have not enabled Google AdSense on our site but we may do so in the future.     Spam Act 73.161 The Spam Act prohibits the sending of commercial electronic messages via email, SMS, multimedia message service or instant messaging without the consent of the receiver. Accordingly, it establishes an opt-in regime that is different from the provisions governing the use of information for direct marketing in the Privacy Act.[191] 73.162 The definitions of ‘consent’ in the Privacy Act and the Spam Act are broadly consistent. The Privacy Act provides that ‘consent’ means ‘express consent or implied consent’.[192] Under the Spam Act, however, consent can be express and inferred, although it may not be inferred from the mere publication of an electronic address.[193] Consent can be inferred from ‘conspicuous publication’ of certain electronic addresses, such as the electronic addresses of employees, directors or officers of organisations, so long as the publication is not accompanied by a statement to the effect that the account holder does not wish to receive unsolicited commercial electronic messages.[194] Regulations may specify in more detail the circumstances in which consent may or may not be inferred.[195] Consent can be withdrawn if the account holder or a user of the account indicates that he or she does not wish to receive any further commercial electronic messages.[196] If at any time you would like to unsubscribe from receiving future emails, you can email us at • Follow the instructions at the bottom of each email. and we will promptly remove you from ALL correspondence.      

Contacting Us  

If there are any questions regarding this privacy policy, you may contact us using the information below.

www.howtohomeloan.com.au

103b Jetty Road, Glenelg SA 5045

ross@howtohomeloan.com.au  

Last Edited on 27/06/2024

HowToHomeLoan | All Rights Reserved.

Need help? Email ross@howtohomeloan.com.au