Like most companies with an online presence, we collect non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. We collect non-personally identifying information to better understand how our visitors use our site and to help us troubleshoot problems, analyse our resources and improve our services and/or products. There is nothing in that kind of information that could enable anyone to identify who you are.

We also collect potentially personal information like Internet Protocol (IP) addresses. We only disclose IP addresses under the same circumstances that we use and disclose personal information as described below in this Privacy Policy. We collect personal information in a number of ways, including:

• when you or a third-party contacts us independently of our site, such as by email, phone or in person;
  
• when you visit and interact with our site and related software;
  
• when you engage in transactions with us, whether online or offline;
  
• when you register interest in, and apply for a loan;
  
• through cookies and other technologies that allow us to give you a better experience on our site; and
  
• when you contact us via our site or sign up for our newsletter/mailing list.
  

AU Expat Home Loans Pty Ltd and its affiliates and representatives will only seek to collect necessary information from you. You may refuse to supply personal information; however, this may prevent you from engaging in certain site-related activities and we may not be able to provide our services and/or products or assistance to you or on your behalf.

You must not provide us with the personal information about another person unless you have first obtained that person's prior consent to do so and you have told them their personal information will be handled in accordance with this Privacy Policy (including where to find it).

A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. Our site uses cookies to help us identify you from other users, track your usage of our site, and your website access preferences. We do or may use the following cookies:

• Strictly necessary cookies. These are cookies that are required for the operation of our site. They include, for example, cookies that enable you to log into secure areas of our site, use a shopping cart or make use of e-billing services.
  
• Analytical/performance cookies. They allow us to recognise and count the number of visitors and to see how visitors move around our site when they are using it. This helps us to improve the way our site works, for example, by ensuring that users are finding what they are looking for easily.
  
• Functionality cookies. These are used to recognise you when you return to our site. This enables us to personalise our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
  
• Targeting cookies. These cookies record your visit to our site, the pages you have visited and the links you have followed. We will use this information to make our site and the advertising displayed on it more relevant to your interests. We may also share this information with third parties for this purpose.
  

Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies.

If you do not wish to have cookies placed on your computer you should set your browsers to refuse cookies before using our site, with the drawback that certain features of our site may not function properly without the aid of cookies.

We collect your personal information to enable you to receive the benefit of our site and services. Subject to this Privacy Policy, we may use your personal information for the following purposes:

• in order to provide you with the credit assistance you have sought from us;
  
• for purposes associated with our services such as follow-up calls or notices to assist you;
  
• to make you aware of connected offers or services which are likely to be relevant to you;
  
• for quality assurance and training purposes; and
  
• any other uses identified to you at the time of collecting your personal information or as reasonably contemplated by this Privacy Policy.
  

This Privacy Policy applies to the site you are currently viewing. By visiting our site, using any of our services or providing us with your personal information in any other way (or authorising it to be provided to us by someone else), you agree to this Privacy Policy and consent to your personal information being collected, used and disclosed as set out in this Privacy Policy. 
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AU Expat Home Loans Pty Ltd and its affiliates and representatives will never unnecessarily exchange your personal or business information with any third party for any reason, unless compelled by force of law. However, in order to assist you, we may need to provide your personal information to certain parties, including but not limited to:

• our employees and any related entity of ours;
  
• third-party partners or entities with whom we have a commercial relationship, including but not limited to:
  
• Lenders
  Mortgage insurers
  Other mortgage intermediaries
  Valuers
  
• third party service providers for the purpose of enabling them to provide a service such as (but not limited to) IT service providers, data storage, web-hosting and server providers, debt collectors, payment processing and insurers;
  
• prospective sellers or buyers of our business or assets;
  
• regulators or government linked third parties for the purpose of legislative or contractual compliance and/or reporting or when we believe in good faith that disclosure is reasonably necessary; or
  
• other entities or individuals, provided you have given your consent.
  

You can gain access to your personal or company information, advise alterations, or request deletion of that information by contacting our office.

However, we reserve the right not to provide you with your personal data or other related information if providing it could reasonably be expected to:

• threaten the safety or physical or mental health of another individual;
  
• cause immediate or grave harm to your safety, physical or mental health;
  
• reveal personal data about another individual;
  
• reveal the identity of an individual who has provided personal data about another individual and the individual providing the personal data does not consent to the disclosure of his identity; or
  
• be contrary to the national interest.
  

If you wish to access the personal information we hold about you, you should contact us at:

Data Protection Officer: 
Timothy Raes
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Address: 
13 Edinburgh Road Alexandra Hills QLD 4161
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Email: 
Enquiry@aexphl.com

Information which is easily accessible will be provided to you free of charge. However, information which is more difficult to access may have a fee associated with the request. You can also contact us for more detailed information on how we collect, handle and secure your personal information.
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From time to time, AU Expat Home Loans Pty Ltd may contact you with information about products from either ourselves or our industry affiliates that we believe may interest you. To opt-out of receiving such information, simply let us know by contacting us directly using the office details above.

AU Expat Home Loans Pty Ltd takes reasonable steps to ensure the security of your personal or company information from unauthorised access, theft or modification. However, we also rely on you to advise us of any changes to your personal information, so do please update us when your details change.
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In the extremely unlikely event that AU Expat Home Loans Pty Ltd suspects that there has been a data breach that may cause you serious harm, we will take all reasonable steps to assess if your data has been accessed or lost, and if this information being accessed or lost may cause you serious harm. This assessment will always be completed expeditiously and within 30 days.

If AU Expat Home Loans Pty Ltd finds that there has been a data breach that has the potential to cause you serious harm, this will be reported to the Office of the Information Commissioner and/or the Data Protection Commission of Singapore as relevant and reported to you directly.

We will cease to retain its documents containing personal data, or remove the means by which the personal data can be associated with particular individuals, as soon as it is reasonable to assume that the purpose for which that personal data was collected is no longer being served by retention of the personal data, or retention is no longer necessary for legal or business purposes.

You acknowledge and agree that your data may be passed between Singapore and Australia as a necessary part of providing the services to you. We will take all reasonable steps to ensure that the data is transferred securely and that all organisation in each jurisdiction collect, disclose and protect your data in accordance with this policy and the relevant laws.

Should you be unsatisfied in the manner in which AU Expat Home Loans Pty Ltd has handled your personal information please contact us (per details listed above). We will take all necessary steps to investigate and address your concerns. If the issue you have raised is not resolved to your satisfaction you should contact the Office of the Australian Information Commissioner at:

Phone:
1300 363 992

E-mail:
enquiries@oaic.gov.au

‍Mail:
GPO Box 5218
SYDNEY NSW 2001.

You can learn more about the Privacy Act and your rights at www.privacy.gov.au