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Privacy Policy – We respect your privacy

Protecting your privacy is important to us. We hope the following statement will help you understand how we use and safeguard the personal information you provide to us on our website.

This privacy statement discloses the privacy practices for Mortgage Coach at www.mortgagecoach.com.au.

For information about your rights when using online services and making purchases over the internet, refer to www.accc.gov.au– the Commonwealth Government’s one-stop-shop for consumer information in Australia.

There are 10 National Privacy Principles that form the backbone of the Privacy Amendment (Private Sector) Act and Mortgage Coach endeavours to adhere to all of these principles.

The Privacy Commission at www.privacy.gov.au provides comprehensive information on the Act.

Concerns

If you have questions or concerns regarding our Privacy Policy, please contact:

Legal Matters
Mortgage Coach
PO Box 270
Maylands WA 6931
AUSTRALIA

Our Commitment

The benefits available from membership of the Mortgage Coach site are at risk if people are concerned about their personal privacy. Consequently, we are committed to providing you with a service that respects and protects your privacy. Our privacy policy and practices are detailed below. In essence, we pledge to you that we will not release personally identifiable information about you without your permission (except as needed to provide to you the services you have expressly requested.) We will also always allow you to manage and control the information that you have voluntarily provided to us.

Helpful Definitions

Personally identifiable information is information, such as your name, birth date, e-mail address or mailing address that can be used to uniquely identify you. Anonymous information is not personally identifiable information. Anonymous information is information about how you use our site, such as pages you view. Anonymous information also includes the domain names and/or I.P. addresses (as explained below) of internet browsers that visit our site, the time of day the site was visited and other non-personal information. Anonymous information is information that is not tied to any person who is not registered as a Mortgage Coach member, but helps us know what our users do. For example, the average stay on our site lasts over 10 minutes.

Information Collection and Use

Mortgage Coach is the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement. Mortgage Coach collects information from our users at several different points on our website.

Cookies

A cookie is a piece of data stored on the user’s hard drive containing information about the user. Usage of a cookie is in no way linked to any personally identifiable information while on our site. Once the user closes their browser, the cookie simply terminates. If a user rejects the cookie, they may still use our site. The only drawback to this is that the user may be limited in some areas of our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Some of our business partners may, from time to time, use cookies on our site, for example, advertisers. However, we have no access to or control over these cookies.

Log Files

We use IP addresses to analyse trends, administer the site, track user movement and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

Sharing

We will share aggregated demographic information with our partners and advertisers. This is not linked to any personal information that can identify any individual person. From time to time, we may partner with other parties to provide specific services. When the user signs up for these services, we will share names, or other contact information that is necessary for the third party to provide these services. These parties are not allowed to use personally identifiable information except for the purpose of providing the services the user has requested.

Links

This web site contains links to other sites. Please be aware that we [Mortgage Coach] are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this web site.

External links are included solely for the convenience of users, and do not constitute an endorsement by Mortgage Coach of the sites linked or referred to.

Mortgage Coach does not prohibit links to its web pages, provided that any such link does not suggest an endorsement by or affiliation with this Company. Preferably, other web sites should link to the Mortgage Coach at www.mortgagecoach.com.au. However, Mortgage Coach does not expressly authorise links to its web pages on other third party web sites, and reserves the right to request that unsuitable links are removed.

Newsletter

If a user wishes to subscribe to our newsletter, we ask for contact information such as name and email address.

Surveys & Contests

From time-to-time our site requests information from users via surveys or contests. Participation in these surveys or contests is completely voluntary and the user therefore has a choice whether or not to disclose this information. Information requested may include contact information (such as name and shipping address) and demographic information (such as post code, age level). Contact information will be used to notify the winners and award prizes. Survey information will be used for purposes of monitoring or improving the use and satisfaction of this site.

Security

This website takes every precaution to protect our users’ information. When users submit sensitive information via the website, your information is protected both online and off-line.

Special Offers

We send all new members a welcoming email to verify password and username. Established members will occasionally receive information on products, services, special deals and a newsletter. Out of respect for the privacy of our users we present the option to not receive these types of communications. Please see our choice and opt-out below. These details are also contained in each email we send.

Site and Service Updates

We also send the user site and service announcement updates. Members are not able to un-subscribe from service announcements, which contain important information about the service.

Choice/Opt-out

Our users are given the opportunity to ‘opt-out’ of having newsletters, special discount offers and other relevant information sent to them in emails. Users who no longer wish to receive our newsletter, special discount offers or other materials may opt-out of receiving these communications by replying to us with the word “unsubscribe” in the subject line of the email.

Notification of Changes

If we decide to change our privacy policy, we will post notice of those changes on our homepage so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an email. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

Liability Disclaimer

MORTGAGE COACH WILL USE ALL REASONABLE ENDEAVOURS TO PROTECT AND KEEP CONFIDENTIAL AND PERSONALLY IDENTIFIABLE INFORMATION IN ITS POSSESSION IN RELATION TO ITS SUBSCRIBERS. IF ANY CONFIDENTIAL OR PERSONALLY IDENTIFIABLE INFORMATION IS ACCESSED BY A THIRD PARTY, WHETHER BY NEGLIGENCE OR OTHERWISE OF MORTGAGE COACH, ITS AGENTS, CONTRACTORS, RELATED BODIES CORPORATE, AFFILIATES OR ASSOCIATED PARTIES, TO THE EXTENT PERMITTED BY LAW, MORTGAGE COACH IS NOT LIABLE TO YOU OR TO ANY PERSON CLAIMING THROUGH YOU IN ANY WAY FOR ANY LOSS, DAMAGE, COSTS, LIABILITY OR OTHER FORM OF CONTRIBUTION.

Every effort has been made to ensure the accuracy of the information contained on the Mortgage Coach web site. The publishers, however, shall have no liability to any person or entity with respect to any inaccuracy, misleading information, loss or damage caused directly or indirectly by the information contained on the site.

Changes and additions to the information contained on the Mortgage Coach site are made frequently. The publishers may make such changes and additions to the web site at any time without prior notice.

Mortgage Coach makes no guarantee that the site or any of the files located at www.mortgagecoach.com.au will be free of viruses or any other contaminating or destructive properties.

 

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