Use of the Privacy Policy
At Ladder Home Loans Pty Ltd, we are committed to protecting your privacy in accordance with the Privacy Act 1998 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.
What information do we collect and how do we use it?
We will ask you for personal information when we assist you with your finance. We use the information you provide to advise about and assist with your credit needs. We only provide your information to the companies with whom you choose to deal (and their representatives).
We also use your information to send you requested product information and to enable us to manage your ongoing relationship with us e.g. invoicing, client surveys etc. We may do so by mail or electronically unless you tell us that you do not wish to receive electronic communications.
We may occasionally notify you about promotions, new services and special offers, events or articles we think will be of interest to you. We may send you regular updates by email or by post. If you would rather not receive this information, email or write to us.
We may also use your information internally to help us improve our services and help resolve any problems.
What if you don’t provide some information to us?
If you don’t provide us with full information, we can’t properly advise or assist you with your credit needs.
How do we hold and protect your information?
We strive to maintain the reliability, accuracy, completeness, and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements
We collect and store your information securely. LHL operates a highly secure network environment with firewalls to ensure no unauthorised access to the network is gained. Only LHL managed equipment is permitted access to the network access to information is granted on an as needs basis which has to be authorised by the data owner.
All Users have a unique user credentials. Passwords are changed every 90 days and must be complex.
All Servers, desktop and laptops have anti Malware controls in place. The Anti Virus scanners are centrally managed and updated daily. Laptops have a local firewall installed and hard disk encryption to protect the information store on the machine receiving, transmitting and storing personal data and sensitive personal data: LHL recommends that encryption should be used when transmitting personal data and sensitive personal data. The method of encryption will reflect that required by our clients. Each external e-mail is scanned in two stages by different malware protection vendors. In addition the mail client are protect with a local Anti-Virus scanner where data a is to be transferred via a CD/DVD, the data must be encrypted. If particularly sensitive, the data should be serialised and sent in a separate file with the serial number linked to name and address.
Will we disclose the information we collect to anyone?
We do not sell, trade, or rent your personal information to others.
We may need to provide your information to our credit licensee e.g. for administration and supervision activities, contractors who supply services to us e.g. to handle mailings on our behalf, or to other companies in the event of a corporate sale, merger, re-organisation, dissolution or similar event. However, we will do our best to ensure that they protect your information in the same way that we do.
We may also provide your information to others if we are required to do so by law or under some unusual other circumstances which the Privacy Act permits.
How can you check, update or change the information we are holding?
Upon receipt of your written request and enough information to allow us to identify the information, we will disclose to you the personal information we hold about you. We will also correct, amend or delete any personal information that we agree is inaccurate.
If you wish to access or correct your personal information please write to Ladder Home Loans: admin@ladderhomeloans.com.au.
Your consent
By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided to us for the purposes described above.
Tell us what you think
We welcome your questions and comments about privacy. If you have any concerns or complaints, please contact Ladder Home Loans: admin@ladderhomeloans.com.au.
Complaints
Internal Dispute Resolution
If you do have a complaint, please let us know by email, because if we don’t know about it we can’t fix it. You may also contact us by email addressed to;Ladder Home Loans: admin@ladderhomeloans.com.au, please make sure you include as much information as you can.
You should explain the details of your complaint as clearly as you can. You must do this in writing. When we receive a complaint, we will attempt to resolve it promptly.
For more information on your privacy rights please visit www.privacy.gov.au
Disclaimer statement: This website provides general information only and has been prepared without taking into account your objectives, financial situation or needs. We recommend that you consider whether it is appropriate for your circumstances and your full financial situation will need to be reviewed prior to acceptance of any offer or product. It does not constitute legal, tax or financial advice and you should always seek professional advice in relation to your individual circumstances. Subject to lenders terms and conditions, fees and charges and eligibility criteria apply.
