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Last updated: 1 June 2023
‘We’, ‘us’ and ‘our’ refer to My Mortgage Freedom Pty Ltd ACN 154 046 965, Australian Credit Licence 473797 and our related businesses.
We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information.
We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information.
Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.
When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.
Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.
The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we made need to identify you.
If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses. If you apply for any insurance product through us we may also collect your health information. We will only collect health information from you with your consent.
We collect personal information for the purposes of assessing your application for finance and managing that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time we may offer you other products and services.
Where reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from finance brokers and other people such as accountants and lawyers.
We may disclose your personal information:
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
(a) the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
(b) you have consented to us making the disclosure.
We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia.
We may disclose your personal information to overseas entities that provide support functions to us. You may obtain more information about these entities by contacting us. [If you are aware of the countries that information will be disclosed overseas then these countries must be listed].
From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.
If you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on 03 8256 1914 or by writing to us at 14 Northumberland Street, South Melbourne VIC 3205. If the direct marketing is by email you may also use the unsubscribe function. 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.or by writing to us at 14 Northumberland Street, South Melbourne VIC 3205. If the direct marketing is by email you may also use the unsubscribe function. 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.
It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.
If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or complete.
We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time.
We may charge a fee for our costs of retrieving and supplying the information to you.
Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.
An explanation will be provided to you if we deny you access to the personal information we hold about you.
If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information at the time of the request otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.
We may need to consult with other entities as part of our investigation.
If we refuse to correct personal information we will provide you with our reasons for not correcting the information.
If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than authorised by law. We will never use a government identifier in order to identify you.
In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.
Sensitive information
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact our Complaints Officer on03 8256 1914.
We will acknowledge your complaint within seven days. We will provide you with a decision on your complaint within 30 days.
If you are dissatisfied with the response of our complaints officer you may make a complaint to the Privacy Commissioner which can be contacted via the Office of the Australian Information Commissioner website (www.oaic.gov.au) or on 1300 363 992.
You may request further information about the way we manage your personal information by contacting us.
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market place practices.
As a consequence we may change this privacy policy from time to time or as the need arises.
You may request this privacy policy in an alternative form.
This Privacy Policy came into existence on 2 April 2015.
This statement summarises My Mortgage Freedom’s policies regarding personal information that may be collected or submitted to us, through the website of www.mymortgagefreedom.com.au (“Site”) or via any other means of collection. These Terms and Conditions require your immediate attention and should be read in their entirety.
If you do not understand any part of these Terms and Conditions you should consult your lawyer or other professional advisors.
This website is owned and operated by My Mortgage Freedom Pty Ltd (ACN 154 046 965). The material on this website is copyright to My Mortgage Freedom Pty Ltd, unless otherwise disclosed. This website is available for you to access, conditional upon your acceptance, without alteration, of the Terms and Conditions set out below. By continuing to access this website and in the event of engaging our services through My Mortgage Freedom Pty. Ltd, you agree and consent to the Terms and Conditions contained herein (as amended from time to time). My Mortgage Freedom Pty Ltd is a facilitator of home loan mortgages. It provides applicants with the ability to apply for a plethora of products via our online forms. By using My Mortgage Freedom Pty Ltd:
My Mortgage Freedom reserves the right to change these Terms and Conditions, this website and other polices at any time and from time to time. Revised Terms and Conditions will be made available on this website and you are responsible for reviewing our Terms and Conditions from time to time to check for updates.
You may terminate your application at any time by providing written notice to My Mortgage Freedom Pty Ltd by email or by deleting your account.
Upon receipt of the written notice we will terminate your application.My Mortgage Freedom Pty Ltd will take all reasonable steps to preserve the security of your personal information, but you agree that your use of the facilities provided by this website is at your own risk and My Mortgage Freedom Pty Ltd disclaims any liability for any third party breach of the security of your information.
My Mortgage Freedom Pty Ltd may preserve email and other enquiry correspondence received from you for the purpose of responding to your questions or for record keeping procedures.
This website may contain links to third party websites outside the control of My Mortgage Freedom Pty Ltd. If you access these websites through this website and such third parties collect information about your visit, you authorise My Mortgage Freedom Pty Ltd to collect or access such information.
My Mortgage Freedom Pty Ltd will only disclose your information to other parties in circumstances permitted by the Privacy Act 1988, in accordance with My Mortgage Freedom’s Privacy Policy, where your consent to disclose is obtained or as required by law.
You are responsible for maintaining the confidentiality and security of your login details. You must immediately notify My Mortgage Freedom Pty Ltd of any unauthorised use of your login details. It is important to ensure that you logout of your account at the end of each use.
You acknowledge and agree that My Mortgage Freedom Pty Ltd excludes all warranties of any kind to you, to the fullest extent permissible by law, in respect of any matter, including, without limitation:
To the fullest extent permitted by law, My Mortgage Freedom Pty Ltd does not accept any liability for any loss or damages resulting from your reliance on the information supplied on this website. My Mortgage Freedom Pty Ltd strongly advises that you seek professional advice before deciding whether to engage My Mortgage Freedom Pty Ltd to provide the Services.
To the fullest extent permitted by law, neither My Mortgage Freedom Pty Ltd nor any of its affiliates, employees, subsidiaries or holding company shall be liable for any damages of any kind, including without limitation, direct or indirect, special, incidental, or consequential damages, losses or expenses arising out of or in connection with this website or with the use of any information contained herein or otherwise communicated to you by My Mortgage Freedom Pty Ltd, for any reason whatsoever, including without limitation the use or inability to use this website by any party, the failure to perform, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, loss of profit or income.
All intellectual property rights including, without limitation, trademarks, service marks, trade names, copyright and other rights used or embodied in this website are the sole property of My Mortgage Freedom Pty Ltd and must not be used without its express written consent.
My Mortgage Freedom Pty Ltd reserves all intellectual property rights, including, but not limited to, copyright in material and/or Services provided by it. The material provided on the
website is provided for personal use only and may not be:
My Mortgage Freedom Pty Ltd does not warrant the accuracy, completeness or suitability of any information provided on this website and excludes to the fullest extent permissible by law liability for any error, inaccuracy or omission contained on this website or any information provided by My Mortgage Freedom Pty Ltd.
To the fullest extent permitted by law, My Mortgage Freedom is not responsible for loss or damage arising from any third party accessing your personal information or details upon sending correspondence to you via the details submitted to My Mortgage Freedom Pty Ltd by you.
Hyperlinks and references to other internet resources are provided and used at the risk of the party accessing this website and the content, accuracy and opinions expressed, together with other links provided by these resources, are not the property of My Mortgage Freedom Pty Ltd nor are they investigated, verified, monitored, or endorsed by My Mortgage Freedom Pty Ltd in any manner.
In accessing this website, you acknowledge that data transmission and storage over the internet, including via this website, cannot be guaranteed to be secure and accordingly My Mortgage Freedom Pty Ltd does not warrant the security of any information you transmit.
Your use of this site is governed by the laws of Victoria and you agree to submit to the non-exclusive jurisdiction of the Courts of Victoria.
Any failure by My Mortgage Freedom Pty Ltd to enforce a provision of these terms and conditions shall not constitute a waiver or affect the validity of these terms.
In the event of any term or condition being held to be invalid, illegal, unlawful or otherwise being incapable of being enforced, that term or part thereof shall be deemed to be severed and of no force and effect and the remaining terms and conditions shall remain valid and enforceable.