Effective Date: 16th December 2024
Swyft Home Loans (“we,” “us,” “our”) is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, store, and disclose your personal information in compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
1. Collection of Personal Information
We collect personal information directly from you or through third parties as permitted by law. The types of personal information we may collect include:
- Full name, date of birth, and contact details (e.g., phone number, email address, residential address).
- Financial information (e.g., income, assets, liabilities, credit history).
- Employment details.
- Government-issued identification (e.g., driver’s licence, passport, or Medicare number).
- Details about your property or loan application.
We may collect information via:
- Forms you fill out on our website.
- Telephone, email, or in-person communications.
- Credit reporting agencies and other financial institutions.
2. Use of Personal Information
We use your personal information for the following purposes:
- To assess and process your loan application.
- To communicate with you about our products and services.
- To comply with legal and regulatory obligations.
- To conduct credit checks and risk assessments.
- To improve our services and website.
3. Disclosure of Personal Information
We may disclose your personal information to:
- Credit reporting agencies.
- Financial institutions and lenders.
- Service providers and contractors who assist us in delivering our services (e.g., IT support, marketing agencies).
- Government and regulatory authorities as required by law.
- Professional advisers (e.g., lawyers, auditors).
We will not sell or rent your personal information to third parties.
4. Storage and Security
We take reasonable steps to protect your personal information from unauthorised access, misuse, or disclosure. This includes:
- Secure electronic storage systems with restricted access.
- Regular reviews and updates to our security measures.
If your personal information is no longer required, we will take reasonable steps to destroy or de-identify it in accordance with legal requirements.
5. Access and Correction
You have the right to access the personal information we hold about you and request corrections if it is inaccurate, incomplete, or outdated. To make a request, please contact us using the details below.
6. Cookies and Website Data
Our website may use cookies and similar technologies to improve your browsing experience. Cookies collect non-identifiable data such as:
- Browser type and operating system.
- Pages visited and time spent on the site.
You can manage your cookie preferences through your browser settings.
7. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We recommend reviewing their privacy policies before providing any personal information.
8. Complaints and Contact Information
If you have any concerns or complaints about our handling of your personal information, please contact us:
Email: info@swyfthomeloans.com.au
We will investigate and respond to your complaint within a reasonable timeframe.
9. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The latest version will always be available on our website.