About this policy
This policy applies to this website, which is operated by OwnHome Finance Pty Limited ACN 673 239 604 (Australian Credit Licence 555197) and its related bodies corporate (we/us/our). We may share your information with our related bodies corporate, including to offer you related property services such as buyer’s agent services.
We are committed to protecting your privacy.
This policy explains how your personal information will be treated as you access and interact with this website. For information on how we deal with your personal information and credit-related information generally, please access our Privacy & Credit Reporting Policy here.
This policy may change from time to time.
Collection and use of information
We may collect personal information from you directly or via your use of our services. We will only collect personal information that is reasonably necessary for, or directly related to, our functions or activities.
Sensitive information
Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.
We only collect sensitive information with your consent and where it is reasonably necessary for our functions. If you choose to give us sensitive information through this website, for example when telling us about your circumstances, we will handle it in line with our Privacy & Credit Reporting Policy.
Information from third parties
Our website may contain links to the websites of third party providers of goods and services (Third Party Websites). If you have accessed Third Party Websites through our website, and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.
Where you access a Third Party Website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.
Advertising and tracking
We, and service providers acting for us, use cookies, pixels and similar technologies on our website, apps and emails. They help us understand how our website and apps are used and improve them (including by recording how visitors interact with our pages), measure and personalise our advertising on other websites and platforms, and communicate with you. The information collected can include your device and browser details, IP address, the pages you view, how you interact with our pages and forms, and whether you open our emails. Some of these providers may also use this information for their own purposes under their own privacy policies. You can manage or block cookies in your browser settings, although parts of our website may not work properly without them.
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.
IP addresses
Your IP address is the identifier for your computer when you are using the internet.
It may be necessary for us to collect your IP address for your interaction with various parts of our website.
Online applications
When you send a completed online application to us, we retain the information contained in that application. We use that information to assess and manage your loan application.
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.
Security of information
The security of your information is very important to us.
We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.
We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.
If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.
We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
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 don’t want to receive marketing information, or wish to know the source of the information being used, please let us know by contacting us by any of the means indicated on our website. If the direct marketing is by email, you may also use the unsubscribe function made available on your email platform. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.
Disclosure to overseas entities
Our service providers may store or process information collected through cookies and similar technologies outside Australia, including in the United States and Europe. Our Privacy & Credit Reporting Policy lists the countries where your information may be held.
Please contact us on 02 7248 7528 or at support@ownhome.com if you would like further information.