Who we are
At www. sghomeloans.com.au privacy is assured. Financial information is never stored or shared. Personal information is never shared.
Right to Opt Out
You have the right to “opt-out” of certain of our uses of your Personal Information. For example, at the time you are requested to provide Personal Information on this Web Site, you may have the opportunity to elect to, or not to:
1. receive correspondence from us, or
2. have your Personal Information shared with other entities for their marketing purposes. We will not share, sell or trade your Personal Information with other entities outside of SG Home Loans for marketing purposes without your permission.
You may also opt-out of SG Home Loans’ promotional e-mails by clicking on an opt-out link within the e-mail you receive.
Please understand that if you opt-out of receiving promotional correspondence from us, we may still contact you in connection with your relationship, activities, transactions and communications with us.
What personal data we collect on this web site?
We collect Personal Information from users of our Web Site, for example, through such users’ activities, completion of online forms on our Web Site. Such information is collected, for example, when users register or subscribe for electronic newsletters or features on our Web Site, submit a comment or question to us using a “contact us” or similar feature on our Web Site, send us an e-mail, or in any other way submit Personal Information to us via our Web Site.
Website Usage Information
We may use “cookies” to keep, and sometimes track, information about you. Cookies are small data files that are sent to your browser or related software from a Web server and stored on your computer’s hard drive. Cookies track where you travel on our Web. A cookie may enable us to relate your use of our Web Site to other information about you, including your Personal Information. All of these purposes serve to improve and personalise your experience on our Web Site, to determine which areas and features of our Web Site are most popular, and to make improvements and updates to enhance the SG Home Loans Web Site experience.
Most Web browsers can be set to inform you when a cookie has been sent to you and provide you with the opportunity to refuse that cookie. However, refusing a cookie may, in some cases, preclude you from using, or negatively impact the display or function of, the Web Site or certain areas or features of the Web.
Website analytics refers to a set of tools used to collect and analyse anonymous usage information, enabling Us to better understand how Our Site is used. This, in turn, enables Us to improve Our Site and services offered through it. You do not have to allow Us to use these Cookies, however whilst Our use of them does not pose any risk to your privacy or your safe use of Our Site, it does enable Us to continually improve Our Site, making it a better and more useful experience for you.
IP Address and Clickstream Data
Our server automatically collects data about your server’s Internet address when you visit us. This information, known as an Internet Protocol address, or IP Address, is a number that’s automatically assigned to your computer by your Internet service provider whenever you’re on the Internet. When you request pages from our Web Site, our servers may log your IP Address and sometimes your domain name. Our server may also record the referring page that linked you to us (e.g., another Web site or a search engine); the pages you visit on this Web Site; the Web site you visit after this Web Site; the ads you see and/or click on; your product interests and purchases; other information about the type of Web browser, computer, platform, related software and settings you are using; any search terms you have entered on this Web Site or a referral site; and other Web usage activity and data logged by our Web servers. We use this information for internal system administration, to help diagnose problems with our server, and to administer our Web Site. Such information may also be used to gather broad demographic information, such as country of origin and Internet Service Provider. We may also link this information with your Personal Information. Any or all of these activities regarding Web Site Usage Information may be performed on our behalf by our services providers.
How is the Personal Information used?
We will use the Personal Information you provide to our Web Site, for example, to respond to your requests and to provide you with our product and service offerings. For example, we respond to your requests and inquiries and provide you with the services and features offered on or through our Web Site. We may also use your Personal Information to help us develop and improve our Web Site, tailor our Web Site to your interests, and maintain our internal record keeping. We may match information collected from you through different means or at different times, including both Personal Information and Web Site Usage Information, and use such information along with information obtained from other sources, including third parties.
In addition, we may send you notices (for example, in the form of e-mails, mailings, and the like), and otherwise correspond with you, about services that we think might interest you. SG Home Loans may offer electronic newsletters and e-mails as a service to our users. You will only receive a newsletter or promotional e-mail from SG Home Loans if you agree during registration, or during your other activities on or through our Web Site, or using our newsletter sign up form, to receive these items. Unsubscribe instructions are included in each electronic newsletter and e-mail. You may opt-out of receiving such notices from us by following the instructions in the [Right to Opt Out] section above. We may analyse user behaviour as a measure of interest in, and use of, our Web Site and e-mails, both on an individual basis and in the aggregate.
Your Access Rights
You may review the Personal Information that is stored in your user account on this Web Site by contacting our head office. We will send you a copy of the Personal Information we have on file in your user account (if any). You may provide us new or updated information at any time. We will endeavour to respond to your request to access, update or delete your information as soon as practicable. Before we are able to provide you with any information, correct any inaccuracies or delete any information, however, we may ask you to verify your identity and to provide other details to help us to respond to your request.
Protecting your information is a priority for SG Home Loans, we will take reasonable steps to protect the security and integrity of all Personal Information provided to this Web Site.
How long we retain your data
If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.
For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.
What rights you have over your data
If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.
If you have any questions or comments regarding our privacy practices, please contact our office.
Effective Date: December, 2018