Privacy Policy
At Mortgagebrokeraustralia.net.au we are dedicated to safeguarding and preserving your privacy when visiting our site or communicating electronically with us. This Privacy Policy provided should be read together with our terms of use. This policy explains what happens to any personal data that you provide to us, or that we collect from you when you are on this site.
We do update this Policy from time to time so please do return and review this Policy regularly.
Information We Collect
In operating our website we may collect and process the following data about you:
i. Details of your visits to our website and the resources that you access, including, but not limited to, traffic data, location data, weblogs and other communication data.
ii. Information that you provide by filling in forms on our website, such as when you contact us or submit an online quote.
iii. Information provided to us when you communicate with us for any reason.
Use of Cookies
We may on occasion gather information regarding your computer whilst you are on our website. This enables us to improve our services and to provide statistical information regarding the use of our website to our advertisers where appropriate.
Such information will not identify you personally it is statistical data about our visitors and their use of our site. This statistical data does not identify any personal details whatsoever.
Similarly to the above, we may gather information about your general internet use by using a cookie file. Where used, these cookies are downloaded to your computer automatically. This cookie file is stored on the hard drive of your computer as cookies contain information that is transferred to your computer's hard drive. They help us to improve our website and the service that we provide to you.
All computers have the ability to decline cookies. This can be done by activating the setting on your browser which enables you to decline the cookies. Please note that should you choose to decline cookies, you may be unable to access particular parts of our website.
Our advertisers may also use cookies, over which we have no control. Such cookies (if used) would be downloaded once you click on advertisements on our website.
Use of Your Information
The information that we collect and store relating to you is primarily used to enable us to provide our services to you. In addition, we may use the information for the following purposes:
i. To provide you with information requested from us, relating to our products or services. To provide information on other products which we feel may be of interest to you, where you have consented to receive such information.
ii. To meet our contractual commitments to you. This means submitting your details to third parties to assist in your request for mortgage quotes or mortgage related information.
iii. To notify you about any changes to our website, such as improvements or service/product changes, that may affect our service.
If you are an existing customer, we may contact you with information about goods and services similar to those which were the subject of a previous sale to you.
Further, we may use your data, or permit selected third parties to use your data, so that you can be provided with information about unrelated goods and services which we consider may be of interest to you. We or they may contact you about these goods and services by any of the methods that you consented at the time your information was collected.
If you are a new customer, we will only contact you or allow third parties to contact you only when you have provided consent and only by those means you provided consent for.
If you do not want us to use your data for our or third parties you will have the opportunity to withhold your consent to this when you provide your details to us on the form on which we collect your data.
Please be advised that we do not reveal information about identifiable individuals to our advertisers but we may, on occasion, provide them with aggregate statistical information about our visitors.
Storing Your Personal Data
By submitting your personal data, you agree to this transfer, storing or processing. We will take all reasonable steps to make sure that your data is treated securely and in agreement with this Privacy Policy.
Data that is provided to us is stored on our secure servers. Details relating to any transactions entered into on our site will be encrypted to ensure its safety.
The transmission of information via the internet is not completely secure and therefore we cannot guarantee the security of data sent to us electronically and transmission of such data is therefore entirely at your own risk. Where we have given you (or where you have chosen) a password so that you can access certain parts of our site, you are responsible for keeping this password confidential.
Disclosing Your Information
Where applicable, we may disclose your personal information to any member of our group. This includes, where applicable, our subsidiaries, our holding company and its other subsidiaries (if any). We may also disclose your personal information to third parties:
i. Where we sell any or all of our business and/or our assets to a third party.
ii. Where we are legally required to disclose your information.
iii. To assist fraud protection and minimise credit risk.
Third Party Links
You mind find links to third party websites on our website. These websites should have their own privacy policies which you should check. We do not accept any responsibility or liability for their policies whatsoever as we have no control over them.
Access to Information
The Privacy Act 1988 gives you the right to access the information that we hold about you. Should you wish to receive details that we hold about you please contact us using the contact details below.
Contacting Us
We welcome any queries, comments or requests you may have regarding this Privacy Policy. Please do not hesitate to
contact us.
Terms and Conditions
These terms and conditions govern your use of our website. Please read the terms in full before you use this Website. If you do not accept these terms, please do not use this Website. Using the Website implies that you accept these terms. We do occasionally update these terms so please refer back to them in the future.
SUMMARY OF TERMS AND CONDITIONS
1. Site Access
2. Use of Website
3. Site Uptime
4. Visitor Conduct
5. Links to and from other websites
6. Disclaimer
7. Exclusion of liability
8. Interest rates
9. Comparison rates
10. Cookies
11. Submitting online quotes or enquiry forms
>SITE ACCESS
1.1 You will be able to access the majority of this Website without having to register any details with us. [However, particular areas of this Website will only be accessible only if you have registered.]
USE OF WEBSITE
1.2 You are permitted to use our website for your own purposes and to print and download material from this Website provided that you do not modify any content without our consent. Material on this website must not be republished online or offline without our permission.
1.3 The copyright and other intellectual property rights in all material on this Website are owned by us or our licensors and must not be reproduced without our prior consent.
1.4 Subject to paragraph 1.2, no part of this Website may be reproduced without our prior written permission.
SITE UPTIME
1.5 We take all reasonable steps to ensure that this Website is available 24 hours every day, 365 days per year. However, websites do sometimes encounter downtime due to server and, other technical issues. Therefore we will not be liable if this website is unavailable at any time.
1.6 This Website may be temporarily unavailable due to issues such as system failure, maintenance or repair or for reasons beyond our control. Where possible we will try to give our visitors advance warning of maintenance issues but shall not be obliged to do so.
VISITOR CONDUCT
1.7 With the exception of personally identifiable information, the use of which is covered under our Privacy Policy, Any material you send or post to this Website shall be considered non-proprietary and not confidential. Unless you advise to the contrary we will be free to copy, disclose, distribute, incorporate and otherwise use such material for any and all purposes.
1.8 When using this website you shall not post or send to or from this Website any material:
(a) for which you have not obtained all necessary consents;
(b) that is discriminatory, obscene, pornographic, defamatory, liable to incite racial hatred, in breach of confidentiality or privacy, which may cause annoyance or inconvenience to others, which encourages or constitutes conduct that would be deemed a criminal offence, give rise to a civil liability, or otherwise is contrary to the law in Australia;
(c) which is harmful in nature including, and without limitation, computer viruses, Trojan horses, corrupted data, or other potentially harmful software or data.
1.9 [We will fully co-operate with any law enforcement authorities or court order requiring us to disclose the identity or other details of any person posting material to this website in breach of Paragraph 1.8.]
LINKS TO AND FROM OTHER WEBSITES
1.10 Any links to third party websites located on this Website are provided for your convenience only. We have not reviewed each third party website and have no responsibility for such third party websites or their content. We do not endorse the third party websites or make representations about them or any material contained in them. If you choose to access a third party website linked to from this Website, it is at your own risk.
1.11 If you would like to link to this Website, you may only do so on the basis that you link to, but do not replicate, any page on this Website, and subject to the following conditions: (a) you do not in any way imply that we are endorsing any services or products unless this has been specifically agreed with us; (b) you do not misrepresent your relationship with us or present any false information about us; (c) you do not link from a website that is not owned by you; and (d) your website does not contain content that is offensive, controversial, infringes any intellectual property rights or other rights of any other person or does not comply in any way with the law in the United Kingdom.
1.12 If you choose to link to our website in breach of Paragraph 5.2 you shall fully indemnify us for any loss or damage suffered as a result of your actions.
DISCLAIMER
1.13 We take all reasonable steps to ensure that the information on this Website is correct. However, we do not guarantee the correctness or completeness of material on this Website. We may make changes to the material on this Website at any time and without notice. The material on this Website may be out of date, or on rare occasions incorrect and we make no commitment to ensure that such material is correct or up to date.
1.14 The material at this Website is provided without any conditions or warranties of any kind. To the maximum extent permitted by law, we provide access and use of this website on the basis that we exclude all representations, warranties and conditions which but for these Terms may have effect in relation to this Website.
1.15 The material on this Website does not suggest that you are eligible for a consumer credit contract or lease or an increase in a credit contract. To be eligible for a consumer credit contract or lease or an increase in a credit contract you must be assessed by a licensed credit provider and or a credit assistant to determine suitability to apply for any type of consumer credit regulated by the National Consumer Protection Act (NCCP).
EXCLUSION OF LIABILITY
1.16 Neither we nor any other party (whether or not involved in producing, maintaining or delivering this Website), shall be liability or responsible for any kind of loss or damage that may result to you or a third party as a result of your or their use of our website. This exclusion shall include servicing or repair costs and, without limitation, any other direct, indirect or consequential loss, and whether in tort or contract or otherwise in connection with this Website.
INTEREST RATES
1.17 Interest rates, fees and various calculations are subject to change daily. All figures are estimates and are a guide only, any additional fees and charges are the responsibility of the applicant(s). It is recommended you seek the advise from a mortgage professional.
COMPARISON RATES
1.18 CPR = Comparison rate is based on a $250,000 loan for 25 years. Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and costs savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan.
COOKIES
1.19 A cookie is a small data text file that is placed in your browser and allows 1st Site Free to recognize you each time you visit this site(customisation etc). Cookies themselves do not contain any personal information, and Mortgagebrokeraustralia.net.au does not use cookies to collect personal information. Cookies may also be used by 3rd party content providers such as newsfeeds.
SUBMITTING ONLINE QUOTE OR ENQUIRY FORMS
1.20 All forms from the Website are directly sent to the offices of Mortgagebrokeraustralia.net.au for assessment. A representative of Mortgagebrokeraustralia.net.au may contact you to clarify the information submitted.
1.21 You consent that we may refer your online quote or enquiry form to another credit representative or credit licensee that can help you with your credit enquiry.
1.22 We do not charge you a fee for services rendered through this website.
1.23 We may receive referral fees from licensed credit providers for referring online enquiries and quotes. Referral fees vary between licensed credit providers and for a full list contact our office. Below is a list of fees we may receive if we refer your enquiry to a licensed credit provider.
MORTGAGE LEADS
Residential
Loan amount between $0 - $349,999 - $33 per lead
Loan amount between $350,000 to $749,999 - $44 per lead
Loan Amount $750,000 plus - $55 per lead
Auctioned Leads - as determined by the broker market
Commercial
Loan Amount between $0 - $1 million - $44 per lead
Loan Amount between $1 million - $5 million - $55 per lead
Loan Amount between $5 million plus - $66 per lead
Auctioned Leads - as determined by the broker market
1.24 Each licensed credit provider is required to disclose fees paid to Mortgagebrokeraustralia.net.au.
REMEMBER THE RISKS WHENEVER YOU USE THE INTERNET
While we do our best to protect your personal information, we cannot guarantee the security of any information that you transmit to Mortgagebrokeraustralia.net.au and you are solely responsible for maintaining the secrecy of any passwords or other account information. In addition other Internet sites or services that may be accessible through Mortgagebrokeraustralia.net.au have separate data and privacy practices independent of us, and therefore we disclaim any responsibility or liability for their policies or actions.
For more information contact us
