Privacy Policy.
PalmTree Home Loans Pty Ltd – Privacy Policy
ABN 13 646 253 054 | Australian Credit Licence 551031
1. Our Commitment to Your Privacy
We take your privacy seriously. Our team and representatives follow strict privacy guidelines based on the Privacy Act 1988.
2. What This Policy Covers
This policy explains how we collect, use, store, and share your personal information when you deal with us or visit our website.
3. What We Collect
We may collect details such as your name, contact info, job history, financial details, ID documents, and other personal data needed to provide credit services. We may also collect info if you apply to work with or for us.
4. How We Collect It
Most information comes directly from you, but we may also collect it from third parties like your accountant, employer, or credit reporting bodies – with your permission.
5. Sensitive Info
We only collect sensitive information (e.g., health or racial background) if you agree and it’s necessary for our services.
6. Unsolicited Info
If we receive info we didn’t ask for and don’t need, we’ll delete or de-identify it if appropriate.
7. Dealing Anonymously
You can choose not to share personal details when making general enquiries.
8. How We Use Your Info
We use your data to:
- Give loan advice or help with applications
- Verify your identity
- Offer related services or send updates (you can opt out of marketing)
9. Who We Share It With
We may share your information with:
- Our staff and representatives
- Lenders, aggregators, and insurers
- Your legal or financial advisors
- Service providers like IT or compliance firms
- Government or legal authorities (when required)
- Third parties you allow us to contact
10. Overseas Disclosure
Some of our support services may be located overseas. Contact us for details.
11. Keeping Your Info Accurate
We aim to keep your details up to date. Let us know if anything changes.
12. Protecting Your Info
We store data securely and use physical, digital, and procedural safeguards. We also use cloud services, which may be based outside Australia.
13. Online Privacy
Our website uses security features and may use cookies to enhance your experience. Links to other websites are not covered by our policy.
14. Accessing Your Info
You can request access to your personal info. In rare cases, we might refuse (e.g., legal restrictions). We’ll tell you why and may charge a small fee if the request is complex.
15. Data Breaches
If your data is exposed in a breach likely to cause harm, we’ll notify you and the Office of the Australian Information Commissioner.
16. Complaints
Contact our Privacy Officer to raise concerns. If you’re not happy with the outcome, you can contact:
- Office of the Australian Information Commissioner: 1300 363 992 | [email protected]
- Australian Financial Complaints Authority (AFCA): 1800 931 678 | [email protected]
17. Updates
This policy may change. Check our website for the latest version or contact us for a copy.
Contact Us
Privacy Officer
Chadstone Tower 1, Level 8, 1341 Dandenong Road, Chadstone VIC 3148
📞 0431 480 294 | ✉️ [email protected]
🌐 www.palmtreehomeloans.com.au