PRIVACY POLICY

• fair;
• legal; and
• transparent.

If you visit Professional Home Loan Group Pty Ltd website, your web-browser automatically discloses, and Professional Home Loan Group Pty Ltd web-server automatically logs, the following information: the date and time, the IP address from which you issued the request, the type of browser and operating system you are using, the URL of any page that referred you to the page, the URL you requested, and whether your request was successful. This data may or may not be sufficient to identify you.

Any additional data that you provide, e.g. in a web-form, may also be logged. This data may or may not be sufficient to identify you.

Any additional data that your web-browser automatically provides may also be logged. This will be the case, for example, if your browser has previously been requested to store data on your computer in ‘cookies’ and submits them each time you request a web-page within a particular domain (such as www.mortgagefree.com.au). This data may or may not be sufficient to identify you.

If you disclose personal data to Professional Home Loan Group Pty Ltd in conjunction with an identifier such as your name, Professional Home Loan Group Pty Ltd will collect Your Data. Moreover, any data that becomes available to Professional Home Loan Group Pty Ltd through any of the means described in the preceding paragraphs may be able to be associated with that identifier, and hence become Your Data. Subject to the qualifications immediately below, Professional Home Loan Group Pty Ltd undertakes to collect Your Data from you and not from other parties. This undertaking is qualified as follows:

• where Professional Home Loan Group Pty Ltd reasonably considers that the protection of its financial interests requires that it gather your data from other sources, or from additional sources. This applies in particular where Professional Home Loan Group Pty Ltd has a lending exposure to you, and seeks information about your creditworthiness;
• where Professional Home Loan Group Pty Ltd reasonably considers that its capability to deliver quality services to you will be materially enhanced by gathering your data from other sources. This applies in particular to consumer profile data.

Where Professional Home Loan Group Pty Ltd collects Your Data from sources other than youit undertakes:

• to do so only by legal means;
• to do so only with your Consent; and
• to declare to you what sources it uses, and under what circumstances.

Professional Home Loan Group Pty Ltd undertakes to declare the purpose of collection in a manner which is clear and meaningful, and to avoid vague, highly inclusive statements such as ‘to support our operations’.

Professional Home Loan Group Pty Ltd undertakes to store Your Data in a manner that ensures security against unauthorised access, alteration or deletion, at a level commensurate with its sensitivity. Professional Home Loan Group Pty Ltd undertakes to store Your Data only in jurisdictions where data protections are at least equivalent to those required under the OECD Guidelines. Professional Home Loan Group Pty Ltd undertakes to transmit Your Data in a manner that ensures security against unauthorised access, alteration or deletion, at a level commensurate with its sensitivity. Professional Home Loan Group Pty Ltd undertakes to implement appropriate measures to ensure security of Your Data against inappropriate behaviour by Professional Home Loan Group Pty Ltd’s staff-members and contractors. These include:

• access control, to limit access to Your Data to those staff and contractors who have legitimate reasons to access it;
• particularly in the case of sensitive data, audit trails of accesses, including the identities of staff and contractors accessing the data;
• reminders to staff and contractors from time to time about the importance of data privacy, and the consequences of inappropriate behaviour;
• declaration of appropriately strong sanctions that are to be applied in the event of inappropriate behaviour
• clear communication of policies and sanctions; and
• processes to audit, to investigate and to impose sanctions.

Use refers to the application of Your Data by any part of Professional Home Loan Group Pty Ltd, or any staff-member or contractor of Professional Home Loan Group Pty Ltd in the course of their work.

Professional Home Loan Group Pty Ltd undertakes to use Your Data only for:

• the purposes for which it was collected;
• such other purposes as are subsequently agreed between Professional Home Loan Group Pty Ltd and You;
• such additional purposes as may be required by law. In these circumstances, Professional Home Loan Group Pty Ltd will take any reasonable steps available to it to communicate to You that the use has occurred, unless it is precluded from doing so by law; and
• such additional purposes as are authorised by law (in particular to protect Professional Home Loan Group Pty Ltd’s interests, e.g. if it believes on reasonable grounds that You have failed to fulfil your undertakings to Professional Home Loan Group Pty Ltd or have committed a breach of the criminal law).

Professional Home Loan Group Pty Ltd undertakes to use YourData only if it has demonstrable relevance to the particular use to which it is being put. Professional Home Loan Group Pty Ltd undertakes to use YourData in such a manner as to take into account the possibility that it is not of sufficient quality for the purpose, e.g. because it is inaccurate, out-of-date, incomplete, or out-of-context.

Disclosure refers to making your data available to any party other than Professional Home Loan Group Pty Ltd and You. The term disclosure may include many different conditions of data transfer, including selling, renting, trading, sharing and giving. Professional Home Loan Group Pty Ltd undertakes to disclose Your Data only under the following circumstances:

• in the course of business being conducted between You and Professional Home Loan Group Pty Ltd, where disclosure is necessary to a contractor, such as a transport company. Where Your Data is disclosed in this way, Professional Home Loan Group Pty Ltd undertakes to exercise control over Professional Home Loan Group Pty Ltd’s contractors to ensure that their actions are compliant with these Terms;
• in other circumstances that are directly implied by the purpose agreed between You and Professional Home Loan Group Pty Ltd at the time of data collection or subsequently. Where Your Data is disclosed in this way, Professional Home Loan Group Pty Ltd undertakes to exercise control over Professional Home Loan Group Pty Ltd’s contractors to ensure that their actions are compliant with these Terms;
• with your consent, or at your request;
• where required by law, such as a provision of a statute, or a court order such as a search warrant or subpoena. In these circumstances, Professional Home Loan Group Pty Ltd will take any reasonable steps available to it to communicate to You that the disclosure has occurred, unless it is precluded from doing so by law;
• where permitted by law (e.g. the reporting of suspected breach of the criminal law to a law enforcement agency; and in an emergency, where Professional Home Loan Group Pty Ltd believes on reasonable grounds that the disclosure of YourData will materially assist in the protection of the life of health of some person), provided that Professional Home Loan Group Pty Ltd will apply due diligence to ensure that the exercise of the permission is justifiable.

In all cases, Professional Home Loan Group Pty Ltd undertakes to disclose only such of Your Data as is necessary in the particular circumstances.

Subject to the qualifications immediately below, Professional Home Loan Group Pty Ltd undertakes:

• to retain Your Data only as long as is consistent with its purpose; and
• to destroy Your Data when its purpose has expired, and to do so in such a manner that Your Data is not subsequently capable of being recovered.

This undertaking is qualified as follows:

• Your Data may be retained in Professional Home Loan Group Pty Ltd’s logs, backups and audit trails within short-term retention cycles that are devised to protect the company’s operations. In such cases, Your Data will be destroyed in accordance with those cycles;
• Your Data may be retained beyond the expiry of its purpose if that is required by law, such as a provision of a statute, or a court order such as a search warrant or subpoena, or a warning by a law enforcement agency that delivery of a court order is imminent. In these circumstances, Professional Home Loan Group Pty Ltd:
  • training for staff in relation to privacy;
  • will take any reasonable steps available to it to communicate to You that Your Data is being retained, unless it is precluded from doing so by law; and
  • will only retain Your Data while that provision is current, and will then destroy Your Data;
• Your Data may be retained beyond the expiry of its purpose if it is authorised by law (in particular to protect Professional Home Loan Group Pty Ltd’s interests, e.g. if it believes on reasonable grounds that You have failed to fulfil your undertakings to Professional Home Loan Group Pty Ltd or have committed a breach of the criminal law). In these circumstances, Professional Home Loan Group Pty Ltd will only retain Your Data while that situation is current, and will then destroy Your Data.

Professional Home Loan Group Pty Ltd undertakes to provide you with access to Your Data, subject to only such conditions and processes as are reasonable in the circumstances. In particular, Professional Home Loan Group Pty Ltd undertakes to enable access:

• conveniently;
• without unreasonable delay; and
• without cost.

Professional Home Loan Group Pty Ltd undertakes to establish and operate identity authentication protections for access to Your Data that are appropriate to its sensitivity, but practical. This may involve some inconvenience; for example, relatively straightforward procedures may be involved in order to provide you with access through a channel that you have previously registered with Professional Home Loan Group Pty Ltd (such as a particular email-address), but may impose more onerous procedures if you wish to use some other channel. In the event that you dispute some aspect of Your Data, Professional Home Loan Group Pty Ltd undertakes to take reasonable steps in relation to the amendment, supplementation or deletion of Your Data. You undertake:

• not to seek access for frivolous purposes, or unreasonably frequently;
• to accept that deletion of some data may not be consistent with the provision of particular services by Professional Home Loan Group Pty Ltd to you.

Professional Home Loan Group Pty Ltd undertakes to make information available to you about the manner in which Professional Home Loan Group Pty Ltd handles your data:

• in general terms, in a readily accessible manner; and
• in more specific terms, on request.

Where Your Data is disclosed to a contractor, Professional Home Loan Group Pty Ltd undertakes to make information available to you on request about the manner in which Professional Home Loan Group Pty Ltd’s contractors handle your data.

Professional Home Loan Group Pty Ltd undertakes to ensure that the information provided is meaningful, and addresses your concerns. You undertake:

• not to seek such information for frivolous purposes, or unreasonably frequently; and
• o accept that the disclosure of excessive detail may harm the security of Your Data and Professional Home Loan Group Pty Ltd’s business processes, and may harm Professional Home Loan Group Pty Ltd’scommercial interests.

If you have enquiries, general concerns, or complaints about these Terms, or about Professional Home Loan Group Pty Ltd’s behaviour in relation to these Terms, you undertake:

• to communicate them in the first instance:
• to Professional Home Loan Group Pty Ltd only;
• in sufficient detail;
• through a channel made available by Professional Home Loan Group Pty Ltd for that purpose;

• to provide one or more channels for communications to Professional Home Loan Group Pty Ltd, which are convenient to users;
• to promptly provide acknowledgement of the receipt of communications, including the provision of a copy of the communication, the date and time it was registered, and Professional Home Loan Group Pty Ltd’s reference-code for the communication;
• to promptly provide a response to the communication, in an appropriate and meaningful manner.

You further undertake to not pursue Professional Home Loan Group Pty Ltd through any Regulator or the media:

• until and unless Professional Home Loan Group Pty Ltd has had a reasonable opportunity to respond to the initial communication; and
• while Professional Home Loan Group Pty Ltd and you remain are conducting a meaningful dialogue about the matter.

Professional Home Loan Group Pty Ltd declares that its undertakings in these Terms are intended to create legal obligations,and that those obligations are intended to be enforceable under appropriate laws in appropriate jurisdictions. These include laws relating to data protection, privacy, fair trading, corporations and criminal laws. The jurisdiction for the interpretation and governance of these “Terms and Conditions” is in the state of Queensland. You submit to the jurisdiction of the Courts of Queensland. If any one or more of the above “Terms & Conditions” are held to be invalid by a Court of Law, the remaining “Terms and Conditions” will continue with full effect. The clauses relating to Limitation of Liability and Jurisdiction shall survive the ending of this agreement.

Professional Home Loan Group Pty Ltd undertakes:

• not to materially change these Terms in a manner that reduces the protections for Your Data;
• to take all possible steps to prevent any company that acquires this company or any of its relevant assets from materially changing the Terms applicable to Your Data in a manner that reduces the protections for Your Data;
• where it is considering making changes to these Terms, or creating more specific Terms relating to specific services, to consult with appropriate representative and advocacy organisations;
• where it makes changes to these Terms, to ensure that the differences between successive versions are readily accessible;
• o maintain all prior versions of these Terms in such a manner that they are dated, and readily accessible.