Privacy Policy

Introduction

Your Money Home Loans, represented by Your Money Home Loans Pty Ltd ACN 672 391 016, values the privacy of your personal information.

We are committed to protecting your privacy.

This privacy policy governs the collection, use, and disclosure of your personal information by Your Money Home Loans and its related entities. We adhere to the National Privacy Principles outlined in the Privacy Act 1988 (Cth).

Privacy Collection Statement

This Privacy Policy encompasses our Privacy Collection Statement, addressing the following:

• Our identity and contact details.
• The facts and purposes of collecting personal information.
• Consequences if personal information is not provided.
• Entities or persons to which personal information is usually disclosed.
• Information about access, correction, and complaint procedures.

By providing personal information, you consent to our collection, use, and disclosure as per this policy. Periodic updates may occur, and we encourage checking our website for the latest version.

Personal & Sensitive Information

We define personal information as data revealing identity. This includes but is not limited to, name, address, contact details, financial information, and credit-related details. Your Money Home Loans may also collect credit information as a subset of personal information.

How We Collect Personal Information

Personal information is collected through various means, including:

• Directly from you in forms, applications, or interactions.
• From joint applicants, co-applicants, or guarantors.
• Website interactions.
• Representatives, e.g., solicitors, conveyancers, or builders.
• Referral partners.
• Third-party sources, such as social media or suppliers.

Use of Personal Information

We utilise personal information for:

• Assessing eligibility for loans.
• Completing relevant transactions.
• Communicating about our products and services.
• Internal administrative, marketing, and research purposes.
• Updating third-party referrers on loan progress for commission purposes.

You may opt-out of non-essential communications by contacting us.

Disclosure of Personal Information

We may disclose personal information to:

• Employees, related entities, and approved lenders.
• Service providers, agents, and third-party suppliers.
• Professional advisers, dealers, and agents.
• Payment systems operators.
• Existing or potential business partners.
• Sponsors or promoters of competitions.
• Individuals authorised by you.
• Government agencies or law enforcement, as required by law.

Access to Personal Information

You have the right to request access to personal information held by us. We will respond in accordance with applicable laws, providing information within 30 days.

Transfer of Information Overseas

For service completion, we may transfer personal information overseas in compliance with the Privacy Act.

Storage of Personal Information

Your Money Home Loans takes reasonable steps to secure personal information from misuse or unauthorised access. We employ confidentiality requirements, secure document storage policies, and access controls.

Cookies

We use ‘cookies’ to provide you with better and more customised service and with a more effective
website.
A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be
retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if
and how a cookie will be accepted by configuring your preferences and options in your internet
browser.
We use cookies for different purposes such as:
 to allocate a unique number to your internet browsers; to customise our website for you; for statistical purposes; to identify if you have accessed a Third Party Website; and for security purposes.

Advertising and Tracking

We may advertise on Third-Party Websites, using cookies to collect information about your interaction with our ads.

Direct marketing
We will not use or disclose sensitive information about you for direct marketing purposes unless you
have consented to that kind of use or disclosure.

We may use your personal information for direct marketing purposes. If you do not wish to receive
direct marketing communications from us or from other organisations, or wish to know the source of
the information being used, you may submit a request here. We will respond to your request as
soon as practicable.

Online applications

When you send a completed online application to us, we retain the information contained in that
application. We are able to then use that information to provide any financial services that you
require.
You can also suspend and save online applications, so you can complete and send the applications
at a later time. If you suspend or save your application, the information that you have entered will be
retained in our systems so that you may recover the information when you resume your application.
Online applications that have been suspended or saved may be viewed by us.

External Dispute Resolution

Our formal dispute resolution procedure is detailed in our Internal Dispute Resolution policy. Dissatisfied parties can contact the Australian Financial Complaints Authority (AFCA) for external resolution.

Contact Us and Feedback

For requests, complaints, or feedback, contact:

Email: hello@yourmoneyhomeloans