Privacy Policy - Home Loans Made Easy For You ("HLMEFY")
At HLMEFY we want you to be confident that the personal information you provide to us is treated with the highest degree of integrity and privacy.
However it is equally important to us that we provide the best possible service across our wide range of products and services. To achieve this aim we need to make the most efficient use of your personal information.
Who is Home Loans Made Easy For You (HLMEFY)?
Home Loans Made Easy For You is a business that falls under the Cloud Base Productions Trust. The business focuses on helping people get the best home loan for their individual needs and pay that loan out quickly, using credit products and managing debt.
What is "personal information"?
Personal information is any information or opinion about you in which you are identified, or in which your identity can reasonably be ascertained from the information or opinion. It does not matter whether the information or opinion is true or not, or whether it is recorded in a material form or not. It can be information in a database.
Why we collect your personal information?
Collecting your personal information, either from you directly or from other sources, is essential to enable us to:
- provide products and services to you;
- submit loan applications to lenders and mortgage managers on your behalf; and
- if you are to provide services to us - assess the service contract or arrangement, and fulfil our obligations under it.
We also collect your personal information, so that we can constantly to improve our products and services.
Collecting your personal information also allows us to identify and protect your personal information, including account information and services, from unauthorised access.
How do we collect your personal information?
Where possible we collect your personal information directly from you. You provide this information to us when you complete an application form for a product or request a product or service over the telephone or internet.
Personal information is also collected during the course of our relationship with you. For example, when you contact us to discuss your existing loans, extensions to the loans, repayments and restructuring your loans. .
Sometimes it is necessary for us to collect your personal information from other sources. For example:
- we may approach your employer to confirm your employment details to support your application; and/or
- we may approach your landlord or a real estate agent to confirm your residence and rent payments to support your application.
In most cases we will request your consent to any collection, use or disclosure of your personal information by us. Your consent will usually be required to be in writing but we may accept your verbal or implied consent in certain circumstances.
Do we disclose your personal information to anyone?
Handling your application
We need to pass your personal information on to the credit providers, mortgage managers and mortgage insurers we approach on your behalf.
As part of the application and pre-application process, we may also need to disclose aspects of your personal information to:
- your referees, employers, landlords and others for the purpose of identifying you correctly when we seek confirmations from them regarding the details you have provided to us;
- mail service providers for purpose of mailing material to you;
- the guarantors you offer on loan applications for the purpose of allowing them to fully understand their obligations; and
- our advisors including, mortgage managers, mortgage insurers, originators, financial consultants, accountants, lawyers and any other advisor acting in connection with any financing provided or proposed to be provided to you for the purpose of providing our services to you.
As required by law
We may also disclose your personal information if we are required or authorised to do so by law. For example, to a Court in response to a subpoena or to the Australian Taxation Office following a direction issued under taxation laws.
With your consent
With you consent, we will disclose your personal information to other parties. Your consent may be given explicitly such as in writing or verbally, or may be implied from your conduct such as if you publicly discuss details of the relationship you have with us.
How do Credit Providers and Insurers deal with the information we give them?
Prior to actually entering into the finance agreement or insurance policy, you will be asked to give your written consent to allow those organisations to use your personal information. They will provide full details of how they intend to use and store the information at that time.
Ensuring your personal information is up-to-date?
We rely on the personal information we hold about you to efficiently conduct our business of providing or arranging products and services.
For this reason, it is very important that the personal information we collect from you is accurate, complete and up-to-date.
During the course of our relationship with you we may ask you to tell us of any changes to your personal information. We also invite you to contact us at any time to update or correct your personal information.
E-mail: info@homeloansmadeeasy.com.au