Security and Privacy

Effective Date August 15, 2017

OUR SECURITY & PRIVACY PLEDGE

At eFinance Home Loans, we have dedicated ourselves to revolutionizing the home loan process and helping individuals use their home financing options as a tool to manage their financial lives. In that effort, we respect and protect the privacy of those who visit or use our website. When we collect information from you, we want you to know how it is used. To demonstrate our commitment to fair information practices, we have adopted leading industry privacy guidelines.
By using our website, you are consenting to the use of information and agreeing to these guidelines and the other eFinance Home Loans policies described on our website.
eFinance Home Loans does not share your personal information with outside companies for their promotional use without your consent.
Because of the financial nature of our business, our websites are not designed to appeal to children under the age of 16. Therefore, we don’t knowingly attempt to solicit or receive any information from children.

EFINANCE HOME LOANS MEDIA ADVERTISING GUIDELINES

At eFinance Home Loans, we want you to be comfortable and confident when using our website. Therefore, we would like to share with you the following principles that govern our information practices and other privacy aspects of our website:
We do not make our advertising decisions based on political affiliations or in support of, or against, any political or religious group. We firmly believe in the right of free speech; however, we also believe we have an obligation to ensure our advertising does not appear in content that is detrimental to our brand values. We “Do the Right Thing” when deciding where our advertising messages will appear. This means we will not advertise within programs that consistently exploit excessive or gratuitous violence or sexuality, which demean or denigrate any religion, race, sex or which are otherwise lacking in good taste.

OUR PHILOSOPHY AND PRACTICES

At eFinance Home Loans, we want you to be comfortable and confident when using our website. Therefore, we would like to share with you the following principles that govern our information practices and other privacy aspects of our website:
• We provide you notice of our website information practices.
• We tell you how and why we use Web technologies.
• We give you choices about how the personally identifiable information that you provide to us may be used.
• We provide you the opportunity to update or correct your personally identifiable information.
• We work to protect personally identifiable information from loss, misuse, or unauthorized alteration.
• We provide various ways for you to contact us about our information practices and other aspects of privacy.
• Download the eFinance Home Loans Guide to Protecting Your Privacy. CLICK HERE
WE PROVIDE YOU NOTICE OF OUR WEBSITE INFORMATION PRACTICES.
To maximize the value of our services, we may request information from you when you visit our websites. eFinance Home Loans does not share your personal information with outside companies for their promotional use.
Here is a description of the information we collect and how it is used:

PROTECTING YOUR IDENTITY AND CREDIT

Credit reporting agencies may share your information with other companies when you apply for a home loan. This may cause you to receive Email or phone calls that you didn’t ask for, offering credit cards, refinancing or other loan products.
You can stop these calls and Emails by opting out of these credit offers emails. Simply call (+61) 2 9281 8001 or email : info@efinancehomeloans.com.au .
• Tools, Applications and Registration: We provide a number of ways for you to explore your options for mortgages and loans, so you can determine which options may be the most desirable for you. You can engage a number of tools, planners, calculators and other interactive advisors. We will not ask you for personally identifiable information to use these features, and do not attribute the information that you provide to you as an individual.
However, if you want to exercise one or more of the loan options presented, we will ask you to register at the site and supply other identifying and supporting information needed to process your application via email or over the phone or in person by one of our brokers.
We may also supply the information you provide, on a strictly confidential basis, to service providers, such as vendor companies, appraisers, credit reporting services, etc., who assist us in qualifying, processing, settling and servicing your loan.
• Credit Report: By submitting a loan application or a request to be pre-qualified to us, you authorize us to share your credit report with our affiliate lenders only to process your loan application.
• Newsletters: We provide you the opportunity to subscribe to Email newsletters and other Email communications. You may unsubscribe by emailing us at : unsubscribe@efinancehomeloans.com.au .
• Interactive Help (Chat / PC to Phone): You may initiate an online interactive discussion or PC to Phone communication with a eFinance Home Loans support professional to facilitate the completion of your loan application. We do not ask for any personally identifiable information to use this service; if you volunteer personally identifiable information, it will only be used to respond to your request.

MORE ON OUR GENERAL INFORMATION PRACTICES.

• Contests and Surveys: From time to time, we may offer you the option to participate in contests or surveys. If you would like to participate, we may ask you for contact information, preferences or other information. This information may be used to conduct research, improve our offerings, or contact you regarding home or investment financing. Our contests may have separate rules and we will identify how the information that you supply will be used in each case.
• Mandatory and Optional Information: We identify what information is required to fulfil your request. If you chose not to provide mandatory information, we will not be able to provide you the service you are requesting. As part of your use of our website, we may collect information that may include your name, address, date of birth, the location and value of the property related to the requested loan products or services, financial information about your assets and income, financial accounts, insurance and other information. As part of this process, you consent to eFinance Home Loans obtaining a credit report and for us to use that information as described in this policy. We will also collect information about your activity on the eFinance Home Loans websites and use that information as described in this policy.
• E-mail Message Formatting: When sending you Email we may use an image called a single-pixel GIF, that allows us to (1) format messages that best align with your computer’s capabilities, and (2) determine whether you’ve opened an HTML Email. When you click on a link within an Email message, you will first pass through our server, and then are redirected onto the Internet. We use this data on an aggregate level to evaluate response rates to our Email messages and to determine which links are most useful to our client base.
• Service Providers: In some cases, we will employ or use service providers such as title companies, appraisers, consultants, and temporary workers, third party software developers, to complete a business process or provide a service on our behalf. For example, we may use service providers to enhance our website technology, deliver products, or to send Emails. When we employ service providers, we may need to share your personally identifiable information. Service providers are strictly prohibited from using your personally identifiable information for purposes other than to act on our behalf.
• Service Alerts and Critical Notices: Although we respect and honour the privacy preferences you have expressed and follow under the Australian Privacy Act 1988, we may need to contact you to inform you of specific changes that may impact your ability to use this service or for other critical non-marketing purposes, such as bug alerts. We may also contact you to respond to your specific requests, to clarify the order information you provided to us, or to notify you of upcoming subscription expiration dates.
• Change of Control: Your personally identifiable information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether of assets, stock or otherwise) of all or a portion of a business of eFinance Group of Companies. You will have the opportunity to opt out of further secondary use of your information following any change of control.
• Legal Disclosures: In some cases, we may disclose certain information to comply with a legal process, such as a court order, subpoena, search warrant, or law enforcement request.

WE TELL YOU HOW AND WHY WE USE WEB TECHNOLOGIES.

Here is how and why we use some common Web technologies to help manage our websites:
• Cookies: A “cookie” is a small piece of information that our website may provide to your browser while you are at our sites. The eFinance Home Loans website supplies your browser with cookies that contain a unique identifier used to better understand website usage in the aggregate and on an individual level so we know what areas of our site users prefer (e.g., based on the number of visits to those areas). This is done through a tracking utility that allows us, for example, to reconstruct activity from a session or by a user, for troubleshooting and issue resolution purposes. eFinance Home Loans may also employ service providers to help us collect and understand our website usage data.
When periodic surveys are presented to website visitors, cookies are used to prevent issuing multiple invitations to the same individual.
If you are a registered member on the eFinance Home Loans website, you will receive a cookie when you login. This cookie is maintained by your browser and contains your identifier. This cookie is also used to authenticate your identity and provide you with access to areas of our website that are limited to registered members, such as those that allow you to view and manage your personal profile.
Additionally, eFinance Home Loans service providers that serve ads on affiliate and/or advertiser websites may assign different cookies and small graphical images called single-pixel GIFs or web beacons, to your browser to track the effectiveness of eFinance Home Loans advertising on other websites and your involvement with eFinance Home Loans. For example, as part of the eFinance Home Loans affiliate programs, our service providers use cookies and web beacons to determine when affiliate program members have referred a customer to eFinance Home Loans via a link on their website. The eFinance Home Loans website also sets a temporary cookie that contains a unique, anonymous identifier that is provided to the service provider to ensure that each referral is only counted once. This cookie is not linked to a customer’s personal information. The cookies and web beacons are necessary to ensure that affiliate program members are appropriately credited for their referrals. Service providers report data in the aggregate and do not link it to individual customer information. eFinance Home Loans may also employ service providers who may assign cookies or web beacons to your browser to assist us in collecting website usage data such as your IP address, session ID, URL and demographic information such as your postcode. The collection of data may include personally identifiable information. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site.
If you simply want to browse, you do not have to accept cookies from our site. Should you decide, however, that you would like to register and sign in to special areas of the website and you have modified your browser settings not to accept cookies, you will need to re-set your browser to accept the cookies that we send. Otherwise, you won’t be able to participate in certain areas of the website. Most browsers are defaulted to accept and maintain cookies.
If you wish to remove cookies provided by eFinance Home Loans, please check your browser’s settings and Help section for instructions for removing cookies from your browser.
Behavioural Advertising: Please be aware that we use third party advertising companies to collect non-personally identifiable information for online behavioural advertising to provide targeted display advertisements, likely to be of greater interest to you, through participating publishers and advertisers. Such information may include non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) through the use of Cookies and other technology. To learn more about online behavioural advertising or to opt-out of this type of advertising, please click on the following link: www.networkadvertising.org.
• Website Usage Data: Our website tracks usage data, including, for example, your IP address, your browser type and version, which pages you view, which page, if any, linked you to our site, and which link, if any, you follow off of our site. We use this data in the aggregate and on an individual level to better understand website activity to improve our site offerings, to reconstruct activity from a session or by a user, for troubleshooting and issue resolution purposes. We may also use this data to provide you a more personalized website experience, assistance with technical support questions, and to send you special offers, product and service updates, or other promotional materials that are relevant and tailored to your interests. If you do not want to receive these offers or promotions, simply indicate your contact preferences during the registration process, within any future communications or by sending an Email to unsubscribe@efinancehomeloans.com.au. We do not track URLs that you type into your browser, nor do we track you across the Internet once you leave our site.
• Social Media and Third-Party Website Security and Privacy Policies: eFinance Home Loans currently has presence on social media to connect with and market to the public, eFinance Home Loans customers, and potential customers of the eFinance Group family. Your activity on third-party websites is governed by the security and privacy policies of each third-party website. Users of third-party websites often share information with the general public, user community, and/or the third-party operating the third-party website, which may use this information in a variety of ways. Consequently, you should review the privacy policies of the third-party website before using it and ensure that you understand how this information may be used. You may be able to adjust privacy settings on your accounts on any third-party website or application to match your preferences. The information posted on or directed at eFinance Home Loans through social media is generally available to the public. To protect your privacy, do not include information you want to keep private or any other sensitive personal information in your social media activity, comments or responses. This information may be archived independently on, and retention of such information is governed by, the third-party website.
• Browser “Do Not Track” and Other Settings: You may be using an Internet browser that has the ability to communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Currently, the eFinance Group of Companies websites do not respond to any of these signals. eFinance Group of Companies may track your activity on these websites and use that information as provided in this policy.
WE GIVE YOU CHOICES ABOUT HOW THE PERSONALLY IDENTIFIABLE INFORMATION THAT YOU PROVIDE TO US MAY BE USED.
We give you the opportunity to control the use of your personal information for purposes other than to fulfil your request or as is required to process, settle and subsequently service your loan. For example, on occasion we may use your contact information to send you promotional communications about eFinance Home Loans products. If you do not wish to receive such communications, you may specify your contact preferences during the information collection process or you may call: 02-92818001 or send an Email to info@efinancehomeloans.

If you wish to review our Privacy Policy for eFinance Home Loans  Click Here