About this security and privacy statement

This Security and Privacy Statement applies to this website which is operated by Citiwide Mortgage Services Pty Ltd (ABN 24 006 998 732) (“Citiwide”) under the domain name “theloanfinder.com.au” (“The Loan Finder Website”). The Loan Finder Website is operated by Citiwide. The information described in this Security and Privacy Statement may be shared between members of the Citiwide Group.

This Security and Privacy Statement may also apply to services offered by lenders on websites hosted by third parties. If so, express reference to this Security and Privacy Statement will be made on those websites.

The Loan Finder understands and appreciates that you, as a website visitor, are concerned about your privacy and about the confidentiality and security of information we may gain about you online. The Loan Finder is committed to protecting your privacy. This Security and Privacy Statement explains how your personal information will be treated as you access and interact with The Loan Finder Website.

As The Loan Finder Website develops and as technology evolves, The Loan Finder will continue to strive to provide you with better and more customised services and with a more effective website. The Loan Finder encourages you to review the Security and Privacy Statement periodically because the Security and Privacy Statement may change from time to time.

The Loan Finder Privacy Policy explains how The Loan Finder generally protects your privacy and confidentiality.

In addition to the provisions of this Security and Privacy Statement, there may also be specific and additional privacy provisions which apply to certain sections of The Loan Finder website. Because those specific and additional provisions also relate to your privacy protection, you should review them wherever they are accessible by you on The Loan Finder website. In the event of any inconsistency between the provisions of this Security and Privacy Statement and those other specific and additional provisions, the specific and additional provisions will prevail.

Security of information

The Loan Finder takes reasonable steps to preserve the security of cookie and personal information in accordance with The Loan Finder website Terms of Use and this Security and Privacy Statement. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted). If secure transmission is indicated, The Loan Finder currently uses 128 bit SSL encryption.

The Loan Finder regularly reviews developments in security and encryption technologies. Unfortunately, no data transmission over the Internet can be guaranteed as totally secure. Accordingly, although The Loan Finder strives to protect such information, we cannot ensure or warrant the security of any information you transmit to us or from our online products or services and you do so at your own risk. Once we receive your transmission, we take reasonable steps to preserve the security of the information in our own systems.

Information collected

The information that The Loan Finder collects about you is dependent on how you use the facilities offered by The Loan Finder website.

If you visit an unsecure area of The Loan Finder website (that is, an area where you are not required to log on) to read, browse or download information, our system will record the date and time of your visit to our site, the pages viewed and any information downloaded. However, our systems will not record any personally identifiable information.

If you decide to complete an online application form, the information that you enter into the online form will only be collected by The Loan Finder if you submit your online application. If at any stage you cancel your application or log out prior to submitting your application, the information you have entered up to that point will be automatically deleted.

The Loan Finder website also contains links to the websites of third party providers of goods and services (“Third Party websites”). If you have accessed Third Party websites through The Loan Finder website and if those third parties collect information about you, The Loan Finder may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third Party website from The Loan Finder website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party. You cannot usually be identified from the information that is shared; if you can be identified from this information, we will seek your consent before sharing such information.

Third Party websites should contain their own privacy statements and those third parties are responsible for their own privacy practices.

Collection of IP addresses

It may be necessary for The Loan Finder to collect your IP address for your interaction with various parts of The Loan Finder website. Your IP address is the identifier for your computer when you are using the internet.

We may disclose the information collected by The Loan Finder Website, in an aggregate form only, to third parties including advertisers or potential advertisers.

Cookies

We use “cookies” as a fundamental part of our interaction with your Internet browser. The purpose is to provide you with better and more customised service and with a more effective website.

A “cookie” is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your browser.

The Loan Finder uses cookies for two different purposes. We allocate a cookie to each Internet browser that visits The Loan Finder website. This cookie does not allow us to collect personally identifiable information about you. We use this cookie:

• to allocate an identification number to your Internet browser (but we cannot identify you from this number);

• to determine if you have previously visited The Loan Finder website;

• to identify pages you have accessed and Third Party websites you have accessed; and

• for security purposes.
Most of The Loan Finder website operates by using this type of cookie.

Accordingly, if you wish to make full use of The Loan Finder website, it is required that you accept cookies.

How we handle email

We will preserve the content of any e-mail that you send us, if we believe that we have a legal requirement to do so. Your e-mail message content may be monitored by our employees for security issues including where e-mail abuse is suspected; our response to you may be monitored for quality assurance issues.

Use and disclosure of information

We will only use or disclose personal information or information generated by cookies in accordance with The Loan Finder Privacy Policy, specific and additional provisions relating to privacy which apply to certain areas of The Loan Finder website and as otherwise set out in this Security and Privacy Statement.

Acceptance and changes to security and privacy statement

You acknowledge and accept that your use of The Loan Finder website indicates your acceptance of The Loan Finder website Terms of Use and the Security and Privacy Statement.

This is the current Security and Privacy Statement. It replaces any other Security and Privacy Statement for The Loan Finder website published on the website to date. The Loan Finder may at any time vary the Security and Privacy Statement by publishing the varied Security and Privacy Statement on the website. You accept that by doing this, The Loan Finder has provided you with sufficient notice of the variation.