At AJ Home Loans Gladstone (https://ajhomeloansgladstone.com.au), we are committed to protecting your privacy and handling your personal information in accordance with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth).
This Privacy Policy explains how we collect, use, disclose and protect your personal information.
By using our website and services, you consent to this Privacy Policy.
1. Information We Collect
We may collect the following types of personal information:
- Name
- Email address
- Phone number
- Residential address
- Employment and income details
- Credit history information
- Information about your financial needs and objectives
- Details about any property you own or are seeking to purchase
- Other information necessary to provide you with mortgage broking and finance services
We collect this information when you:
- Visit our website
- Contact us via phone, email or contact form
- Submit an enquiry or application for a loan
- Participate in a consultation or meeting
- Provide information for us to assess your finance needs
We may also collect non-personally identifiable information through cookies (see section 7).
2. How We Use Your Information
We use the information we collect to:
- Provide, operate and maintain our website and services
- Assess your loan eligibility and financial needs
- Submit loan applications on your behalf to lenders
- Communicate with you regarding your application or enquiry
- Provide customer service and support
- Improve our website, products, and services
- Meet our legal and regulatory obligations
- Prevent fraud and misconduct
- Conduct internal record keeping and reporting
We will not use or disclose your personal information for any purpose other than as described in this Privacy Policy without your consent, unless authorised or required by law.
3. Disclosure of Your Personal Information
We may disclose your personal information to:
- Lenders, banks, and financial institutions as part of your loan application
- Our third-party service providers who assist us in delivering our services (such as IT providers, CRM systems, payment processors)
- Our professional advisors, such as accountants or lawyers
- Government bodies and regulators where required by law
- Other third parties where you have provided your consent
We do not sell or trade your personal information to third parties.
4. Data Security
We take reasonable steps to ensure your personal information is protected from:
- Unauthorised access
- Loss or misuse
- Modification or disclosure
We use secure systems and processes to store and manage personal information. However, no method of electronic transmission or storage is 100% secure — we cannot guarantee absolute security.
5. Retention of Personal Information
We retain your personal information for as long as it is necessary to provide you with services or as required to comply with legal and regulatory obligations.
When your information is no longer required, we will securely destroy or de-identify it.
6. Access and Correction
You have the right to:
- Access the personal information we hold about you
- Request correction of your personal information if it is inaccurate or outdated
To make a request, please contact us using the details below. We will respond within a reasonable timeframe.
7. Cookies and Website Analytics
Our website uses cookies and similar technologies to improve your browsing experience and collect information such as:
- IP address
- Browser type
- Pages visited on our site
- Time and date of visit
We use this information to analyse website traffic, improve our services and enhance user experience.
You can manage or disable cookies through your browser settings. Please note that some website features may not function correctly without cookies.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites.
We encourage you to read the privacy policies of any third-party websites you visit.
9. Contact Forms
If you submit an enquiry through our website contact form, your details will be used solely for the purpose of responding to your enquiry and delivering services to you.
Your information may be securely stored within our CRM or email system and is not shared with third parties unless required for service delivery or by law.
10. Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements.
Any updates will be published on our website. We encourage you to review this page periodically.
11. Contact Us
If you have any questions about this Privacy Policy or how we handle your personal information, or if you would like to access or correct your personal information, please contact us:
AJ Home Loans Gladstone
Email: use our contact form
Phone: 0409 311 985
Address: Monterey Way, Calliope QLD