At Home Loan Emporium, we are committed to protecting your privacy and ensuring your personal information is handled securely and in accordance with the Privacy Act 1988 (Commonwealth) and the Australian Privacy Principles.

This Privacy Policy explains how we collect, use, disclose and protect your personal information when you engage our services or visit our website.

What Information We Collect

‍We may collect personal information including: ‍

• Name, address and date of birth

• Contact details such as phone number and email address

• Identification documents

• Employment and income information

• Financial and banking information

• Credit-related information

• Property and lending information

• Information provided through our website, forms or communications

‍How We Collect Information

We collect information directly from you when you:

• Submit an enquiry

• Complete a loan application

• Provide supporting documentation

• Contact us by phone, email or social media

• Use our website

We may also collect information from third parties, including lenders, credit reporting bodies, mortgage insurers, valuers, solicitors, accountants, real estate agents and other parties involved in assessing or arranging your finance.

Why We Collect Information

We collect, hold and use your personal information to:

• Assess your finance needs

• Recommend suitable lending products

• Arrange and manage loan applications

• Verify your identity

• Meet our legal and regulatory obligations

• Communicate with you about our services

• Improve our products and customer experience

If you do not provide requested information, we may be unable to assist with your finance requirements.

Disclosure of Information

To provide our services, we may disclose your information to:

• Banks and lenders

• Mortgage insurers

• Credit reporting bodies

• Valuers

• Solicitors and conveyancers

• Accountants or financial advisers (with your consent)

• Compliance and technology service providers

• Government agencies where required by law

We only disclose information necessary to provide our services or comply with legal obligations.

Credit Information

Where you apply for finance through us, we may collect and disclose credit-related information to lenders and credit reporting bodies to assist with assessing your application.

Website and Cookies

Our website may use cookies and analytics tools to improve functionality and understand how visitors use our website. You can adjust your browser settings to disable cookies if preferred.

Security

We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or disclosure through secure systems and processes.

Access and Correction

You may request access to, or correction of, personal information we hold about you by contacting us. We will respond within a reasonable timeframe.

Marketing Communications

From time to time, we may provide information about our services, industry updates or promotional offers. You can opt out of receiving marketing communications at any time.

Contact Us

If you have any questions about this Privacy Policy or how your information is handled, please contact us:

Home Loan Emporium
📧 zhizhi@homeloanemporium.com
📞 0403 972 626
🌐 www.homeloanemporium.com

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be published on this page.