Our Privacy and Security Policy
This Privacy Policy applies to the services offered on
the lowdocloans.com.au web site offered by:-
Webloan Pty Ltd
ABN: 22 107 596 225
Trading as:
lowdocloans.com.au
(Low Doc Loans) Please read this Privacy
Policy carefully before using the Low Doc Loans web site.
Usage of the Low Doc Loans web site is conditional upon you
agreeing to be bound by this privacy policy.
In summary, while you should read each provision in this
Privacy Policy, you must note that by using the Low Doc Loans
website:
You agree that if you submit your personal information to
us, we may create a database record about you;
You agree for us to use cookies on your browser if we
implement this technology (unless you remove them - please
see below for explanation);
Your personal information is important to us ... Low Doc Loans
is committed to safeguarding your personal privacy. We
recognise that you have a right to control how your personal
information that is collected and used. We know that providing
personal information is an act of trust and we take that
seriously.
Unless you directly give us consent to do otherwise,
Low Doc Loans will only collect and use your personal
information as set out below.
Our services
Low Doc Loans offers a variety of services on our web site
related to our products, which might be of interest to you.
These services may have specific conditions, which are
explained at the time when you purchase those services, in
addition to these general Terms and Conditions. Our services
include:
Loans which you can apply for
Information about new products or services from Low Doc Loans
Collecting information about you
Low Doc Loans will not collect or monitor any personal
information about you without your consent. The only
personal information we collect is what you tell us about
yourself, for example by completing an online application
form, and information about how you use our site.
When you enquire about a product from us, we may ask for your
personal information (such as name and address) in order to
service your application. You do not have to provide us with
this information if that is your preference. However,
failure to do so may result in Low Doc Loans being unable to
recommend products and/or provide certain services including
after services.
Our use of cookies
Cookies are pieces of information that a web site transfers
to your computer's hard disk for record keeping purposes.
Most web browsers are set to accept cookies. Low Doc Loans may
use cookies to make your use of our website and services as
convenient as possible. Cookies do not themselves personally
identify users, although they do identify a user's browser.
Cookies allow us to remember the information you have
entered as you move through our site, and let us know how
many people are using the different parts of the site. If
you do not wish to receive any cookies you may set your
browser to refuse cookies. However, this may mean you will
not be able to take full advantage of the Low Doc Loans web
site.
When you submit information on our site anonymously, we do
not link this information back to a cookie which identifies
you or retain it in any way unless you have agreed to this
information being retained.
NOTE: Cookies are not currently used on the Low Doc Loans web
site (1 July 2006).
Using and disclosing your personal information
We intend to use your information for the following purposes
only:-
- To fulfil our obligation under any contract and/or any
other contract between you and Low Doc Loans
- To provide you with information about our products, service
and/or special offers
- To ask you for you opinion or comments about our products
and/or services
- To track general traffic patterns showing the usage of our
web site, without identifying the usage patterns of any
particular individual
Please also note that in order to operate the web site or
deliver a service we may sometimes share your personal
information with a service provider which may not be a
business unit of Low Doc Loans.
As Low Doc Loans recognises the trust you place in us when you
give us personal information, we will not use or disclose
any information about you for other purposes without your
consent, except for in exceptional cases such as if
disclosure is required by laws or is necessary to protect
the rights or property of Low Doc Loans, or any member of the
public, or to lessen a serious threat to a person's health
or safety.
When we will contact you
We may contact you by email, post or phone (which you have
provided to us) in order to:
- Provide you with information which may be of interest about
updates, new lowdocloans products and other matters which
may interest you
- To send you a newsletter
We will not send you 'spam' (advertising information)
without first asking you whether you wish to have
promotional information sent to you. If you are receiving
communications from Low Doc Loans and do not wish to receive
this information any longer, you may remove your name from
our list either by contacting us or by calling Low Doc Loans
on the customer enquiry number 1300 736 976.
Storage and security of your personal information
Low Doc Loans will endeavour to take all reasonable steps to
keep secure any information, which we hold about you, and to
keep this information accurate and up to date. Your
information is stored on secure servers that are protected
in controlled facilities. Our employees and data processors
are obliged to respect the confidentiality of any personal
information held by Low Doc Loans. However, as we cannot
guarantee the security of communications over the Internet,
we cannot give an absolute assurance that your information
will be secure at all times. Low Doc Loans will not be held
responsible for events arising from unauthorised access to
your personal information.
Low Doc Loans and links to other web sites
Low Doc Loans may provide links to web sites outside of the
Low Doc Loans site. These linked sites are not under the
control of Low Doc Loans, and we are not responsible for the
conduct of companies linked to our web site. Before
disclosing your personal information on any other web site,
we advise you to examine the Terms and Conditions of those
web sites.
Accessing personal information held
If at any time you want to know what information we hold
about you, you are welcome to request your personal
information by calling us on 1300 736 976 . If you want to
change and correct personal information that is inaccurate
or out of date, please call us on 1300 736 976. To have
personal information deleted, please let us know in the same
manner, and we will take reasonable steps to delete your
personal information unless we need to keep it for legal
reasons.
What to do if you have a problem or question
If Low Doc Loans
becomes aware of any ongoing concerns or problems with areas
on our website, we will take these issues seriously and work
to address these concerns. If you have any further queries
relating to our Privacy Policy, or you have a problem or
complaint, please contact us or call the customer enquiry
number on 1300 736 976.
Future changes
Our commitment to be a leading provider of online financial
services means that our business will continue to evolve as
we introduce new services and features to our web site.
Because of this, from time to time, our policies will be
reviewed and may be revised. Low Doc Loans reserves the right
to change its privacy policy at any time and notify you by
posting an updated version of the policy on its web site.
The amended Privacy Policy will apply between us whether or
not we have given you specific notice of any change.
Date of issue: July 1, 2006
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