Our Privacy Policy as of September 2022

Protecting your privacy

directhomeselling.com.au is operated by MasterAbode PTY LTD. (ACN 648 867 154). We are committed to providing you with the highest levels of customer service. This includes protecting your privacy. We comply with the Privacy Act 1988 (Cth) and the Notifiable Data Breach scheme established under the Act.

Set out below is information that we are required to communicate to our customers. We have also supplied additional information about our website. By accessing our website and using our services, you consent to the terms of this Policy and agree to be bound by it. Your privacy matters to us, so whether you are new to directhomeselling.com.au or a long-time user, please take the time to get to know our practices.

 

In this document, 'Abode', 'directhomeselling' ,'masterabode', 'MA', 'we', 'us' and 'our' are references to MASTERABODE PTY LTD.

 

How to contact us

You may contact us on the details below:

 

Email: heretohelp@directhomeselling.com.au

 

The Parties

If you are a natural person, then these Website Terms of Use constitute a legally binding agreement between you and us and govern your use of our Website.

If the user of our Website uses it in his or her capacity as a representative of a body corporate (eg a corporation), then it is a condition of the user continuing to use our Website that the user warrants that he or she has authority to accept these Website Terms of Use on behalf of that body corporate, and these Website Terms of Use specify the terms of a legally binding agreement between that body corporate (and “You” in these Website Terms of Use means that body corporate) and us.

General Information

The information appearing on this Website, except for when it is described as a contract term or , is for general information only and does not constitute an offer or an intention to enter into a legally binding contract, other than the agreement between Us and You for the use of this Website.

Your personal information

Your personal information and its protection are of the utmost importance to us. When we refer to personal information, we mean information or an opinion from which your identity is apparent or can reasonably be ascertained. Personal information held by us may include your name, age or date of birth, current and previous addresses, telephone or mobile phone number, email address, bank details, professional job title or occupation, and financial details. We may hold details of your products and services you have acquired from us or have enquired about (including their status) together with any additional information necessary to deliver those products and services and to respond to your enquiries.

The personal information we hold about you may also include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. we rely on you to inform those individuals that you are providing their personal information to us, to ensure they agree to their information being provided to us, to advise them of this privacy policy and that we can be contacted for further information (see 'How to contact us' section).

If you choose not to provide certain personal information (i) we may not be able to provide you with the services you require or the level of service on which we aim to offer, (ii) we may be unable to tailor our offering to your preferences and (iii) your experience of our offering may not be as enjoyable or as useful.

Sensitive information

Sensitive information is any information about your racial or ethnic origin, political opinions, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information. We may seek, collect, use, or disclose sensitive information about you but only if that sensitive information is required for one of the purposes noted under the 'How we use your personal information' section of this Policy. This will generally be for the purpose of verifying your identity or income.

You expressly provide your consent to us receiving this information and holding it for the purposes outlined in this policy.

How we collect personal and credit information

We may collect personal information in a number of ways, including::

directly from you, for example, when you provide information by phone, in application forms, or other agreements, or when you submit your personal details through our websites (e.g. during an application or via directhomeselling.com.au);

from your joint applicants, co-applicants or guarantors;

when you visit our websites;

from third parties such as our survey or competition websites, marketing websites, related companies, referral companies;

from your representatives, e.g. solicitors, conveyancers, builders, agents;

from referral partners, who refer your business to us;

from the organisations and entities identified under the 'When we disclose your personal information' section below, including our related entities;

from publicly available sources of information;

from our own records; and/or

when legally required to do so -- for example, in the provision of specific credit services.

If we have obtained your information through any of these methods and you would like a list of these entities or websites, please contact us at heretohelp@directhomeselling.com.au.

If you feel you have not given us consent to use your details or would like to be removed from our call or email lists, please contact us at heretohelp@directhomeselling.com.au.

How we use your personal information

The primary purpose for which we collect information about you is to enable us to perform our business activities and functions and to provide the best possible quality of customer experience.

Your personal information is also collected so that we and our related entities can promote and market services to you (including by way of direct mail, telemarketing, email, SMS and MMS messages) (Marketing Services) in accordance with any applicable marketing laws (secondary purposes). This is to keep you informed of products, services and special offers and we may continue after you cease holding an active product or service through us. If you do not wish for this to take place or continue, please contact us via heretohelp@directhomeselling.com.au.

When we disclose your personal information

Your information may be disclosed to persons or companies (our partners or referral partners) for the purposes noted above.

 

In order to deliver the services, you require we may disclose your personal information to people or organisations outside of our external service providers companies. This may include:

 

your joint applicants, co-applicants or guarantors;

your representatives or advisors (e.g. your solicitors, accountants, conveyancers, builders, agents);

our professional advisors, including our accountants, auditors, and lawyers;

organisations who manage our business, marketing and corporate strategies and/or sponsors or promoters of any competition that we conduct to promote our services;

credit providers, funders, agents, Australian Banks, and non-bank lenders (e.g. for credit-related purposes such as credit approval, credit-worthiness, credit rating, credit provision and financing);

our related entities (e.g. companies, and their respective partnerships, joint venture entities, agents, contractors or external service providers for the operation of their business);

our referral partners, business partners or joint venture partners;

providers of credit, financial, or insurance services;

mortgage insurers and title insurers;

other comparison sites, mortgage brokers, or providers of investment finance, or credit (where legal for us to do so);

the police or other relevant authorities or enforcement bodies;

government and regulatory authorities or organisations (such as our External Dispute Resolution Scheme or ASIC, as required or authorised by law); and/or

internet service providers or network administrators (for example, if we have reason to suspect you have committed a breach of our terms and conditions or have otherwise been engaged in any unlawful activity and we reasonably believe such disclosure is necessary).

We may use external organisations or third parties for customer enquiries; Professional services such as financial advisors, Loan brokers, solicitors, homebuyers advocate, real estate agents, buyers agents, property managers; mailing operations; billing and debt-recovery functions; information technology services; marketing and telemarketing market research; and website usage analysis. This means we disclose your personal information to them.

You expressly consent to us providing your information to the persons or organisations above for our primary credit activities or secondary purposes.

Your personal information is disclosed to these organisations only in relation to us providing our services to you including our referral partners such as brokers, agents or advisors. We take reasonable steps to ensure that these organisations are bound by confidentiality and privacy obligations in relation to the protection of your personal information.

Where your personal information is provided to a lender or broker for the purpose of a loan application, you should know that the lender or broker may list a credit enquiry on your credit file, and will be required to report certain details about your credit information to CRBs under the Comprehensive Credit Reporting (CCR) regime.

Transfer of information overseas

In order to supply you with the best service possible, we may transfer personal information we have collected about you to someone in a foreign country, but only if permitted to do so under the Australian Privacy Principles.

Some of the above external organisations and entities may be located outside of Australia. You should note that while they will often be subject to confidentiality or privacy obligations, they may not always follow the particular requirements of Australian privacy laws. Overseas organisations may be required to disclose the information we share with them under foreign law. In those instances, we will not be responsible for that disclosure.

We do not utilise offshore personnel for the purposes of marketing or sales. We will not share any of your credit information with a credit reporting body unless it has a business operation in Australia.

Unsolicited information

Sometimes people share information (including sensitive information) with us we have not sought out. This could be through using our website or, for example, requesting us to assess or assist in a hardship application.

If we receive unsolicited personal information (including sensitive information) about you, we will determine whether we would have been permitted to collect that information. If yes, then we will handle this information the same way we do with other information that we seek from you. If we determine that we would not have been permitted to collect that information, and the information is not contained in a Commonwealth record, then we will destroy or de-identify it as soon as practicable, but only if it is lawful and reasonable to do so. Often, it is not possible for us to neatly unbundle this information then destroy or de-identify only certain sections or parts of it, and we may need to store this information for future use, such as to help resolve disputes between us or assess future applications by you.

We have many security safeguards in place to protect the information from interference, misuse, loss, unauthorised access, modification or disclosure.

Direct Marketing

We take pride in the products and services that we offer. And we love keeping you informed as to the best offers in the financial and property marketplace. However, first and foremost we respect your privacy and understand that not everyone wants to be contacted regarding sales and marketing.

If you do not wish to be contacted by DirectHomeSelling or referral partners such as brokers, real estate agents, buyers agents, property experts, financial advisors, property managers we invite you to contact us via heretohelp@directhomeselling.com.au and we will remove you from our call and email lists.

We may conduct marketing activities via email, telephone, SMS, IM, mail, or any other electronic means. We may also market our products to you through third-party channels (such as social networking sites). We will always let you know that you can opt-out from receiving our third-party marketing. Where we market to prospective customers, we will always provide an easy way to opt-out.

We disclose your personal information to third parties or referral partners such as brokers, real estate agents, property experts, financial advisors, property managers, or for the purpose of connecting you with other businesses or customers. You can ask us not to do this at any time.

Opt-Out

You can let us know at any time if you no longer wish to receive direct marketing offers from DirectHomeSelling by emailing your request to heretohelp@directhomeselling.com.au. We will process your request as soon as we can.

Cookies and web beacons

Cookies

A 'cookie' is a small text file placed on your computer by a webpage server that may later be retrieved by webpage servers. We use cookies on our website to provide you with a better website experience. When you visit the directhomeselling.com.au website or related landing pages to read, browse, submit or download information, our system will record/log your IP address, date and time of your visit to our site, the pages viewed and any information downloaded. We may automatically collect non-personal information about you such as the site from which you linked to our websites. We do not personally identify you with this information. You can configure your browser to refuse cookies or delete existing cookies from your hard drive. Rejecting cookies may have the effect of limiting access to or functionality of parts of our website.

We generally use this information to report statistics, analyse trends, administer our services, diagnose problems and target and improve the quality of our products and services.

Web beacons

A web beacon is typically a transparent graphic image invisible to the user that is placed on a website. The use of a web beacon allows the website to record the simple actions of the user (such as opening the page that contains the beacon) through a tracking pixel. We may use web beacons (and cookies) for purposes such as site usage analytics, advertising auditing and reporting, as well as content and "advertising/marketing personalisation". We may share any data collected from web beacon (and cookies) with third parties to provide you with relevant advertising when browsing Third-Party networks and websites (Third-Party Websites) such as Google and Facebook.

Information from third parties

Our website may contain links to Third-Party Websites (e.g. third-party providers of goods and services). We make no representations or warranties in relation to the privacy practices of any Third Party Website and we are not responsible for the privacy policies or the content of any third-party website. Third-Party Websites are responsible for informing you about their own privacy practices. If you accessed Third-Party Websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third-Party Website from our website, cookie and web beacon information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.

Advertising and tracking

We may advertise on Third-Party Websites. When you view our advertisements on Third-Party Websites, the advertising company may use cookies, and in some cases, web beacons, to collect information such as the server your computer is logged onto, your browser type, the date and time of your visit and the performance of their marketing efforts. When you access our website after viewing one of our advertisements on a Third-Party Website, the advertising company may collect information on how you utilise our website (e.g. which pages you view) and whether you commenced or completed an online application.

Using our website and any of our online tools

When you use our website, any of our online tools, or any of our online platforms to compare or choose loans, suburbs, properties, agents, or advisors, we may share your personal information with lenders, agencies, referral partners, business partners and joint venture partners to assist you in the loan financing process or buying property. This is to enable us to provide services. The information we may share includes any of your personal information (such as your age), but in particular, the information may include matters relating to your income, expenditure, assets, liabilities, and your Credit Reporting Information and any similar information to enable the making of an assessment to provide the rating. Our referral partners include loan brokers, real estate agents, property experts, and financial advisors with whom we may share your personal information in order to provide you different services. Our referral partners have safeguards in place to protect the information and they are not permitted to use the information for purposes other than to provide services.

Referral Business Partners have been selected for their strategic focus and skills. DirectHomeSelling does refer clients to Referral Business Partners. The partners’ role is to ensure the client receives the right advice and service.

We expect our Referral Business Partners to provide the highest levels of services and products to our clients and ensure to meet the standards and needs of our clients, as we deliver the same levels of services to our Business Partners’ clients.

Online applications

When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any services that you require. You may also be able to suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.

Consent

By providing your phone number or email address and then clicking submit on any online form, application, calculator, tool or query, you consent to receiving notices and other documents from us by call, SMS or email to the email address provided, and you understand that if you give this consent: we may no longer send you paper copies of notices and other documents; you should regularly check your email address for documents, and you may withdraw your consent to receiving documents by email at any time. You also confirm that you have the facilities to print any notice or document that we send you by email if required.

Accurate information

We take all reasonable precautions to ensure that the personal information we collect, use and disclose is accurate, complete and up-to-date. However, the accuracy of that information depends to a large extent on the information you or others provided to us. If you wish to make any changes to your personal information, please contact us at heretohelp@directhomeselling.com.au.

We will generally rely on you to assist us in informing us if the information we hold about you is inaccurate or incomplete. You may request access to the personal information we hold about you by contacting us. We will respond to your request within a reasonable period. We will give access in the manner you have requested if it is reasonable to do so. We may charge you a fee to access the information. The fee will not be excessive and will not apply to the making of the request. We may deny you access to your personal information in certain circumstances, for example, if required or authorised by or under an Australian law or a court/tribunal order, or it would be likely to prejudice enforcement related activities by an enforcement body, if granting access would interfere with the privacy of others, or if it would result in a breach of confidentiality. If we decide not to give you access, we will provide reasons for the refusal and information on how you can complain about the refusal.

Storage and security

We store information in different ways, including in paper and electronic form.

The security of your personal information is important to us and we take reasonable steps to protect it from misuse, interference and loss, and from unauthorised access, modification or disclosure. Some of the ways we do this are: confidentiality requirements of our employees; document storage security policies; security measures for access to our systems; only giving access to personal information to a person who is verified to be able to receive that information; control of access to our buildings; and electronic security systems, such as firewalls and data encryption on our websites.

We take protecting the security of your personal information seriously. We have a response plan that is designed to enable us to contain, assess and respond to suspected data breaches in a timely fashion, and to help mitigate potential harm to affected individuals.

We may store your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from anywhere via an internet connection, it is not always practicable to know in which country your information may be held. If your information is stored in this way, disclosures may occur in countries other than those listed here or those we referred to from time. In addition to the above, we also regularly review developments in security and encryption technologies. However, it is important to remember that the use of email and the internet may not always be secure, even with these safeguards in place.

When we no longer require your information, and we are legally permitted to, we take reasonable steps to destroy or de-identify the information. However, sometimes it is impossible or impractical to completely isolate the information then completely remove all traces of the information, and we may store the information for future use, such as to help resolve disputes between us or assess future applications by you. The same security safeguards will be in place to protect the information, as detailed in this Privacy Policy.

Doing business without identifying you

In most circumstances, it will be necessary for us to identify you in order to successfully do business with you. However, where it is lawful and practicable to do so, we will provide you with the option to remain anonymous or to use a pseudonym, for example, when you make general inquiries about our business or current promotional offers. We do not adopt a government related identifier (such as your tax file number or your driver's license number) as a means of identifying you.

Complaints and further information

If you have a complaint about how we handle your personal information, we want to hear from you.

Internal Dispute Resolution (IDR)

You are always welcome to contact us to let us know about your complaint at:

Email: heretohelp@directhomeselling.com.au

We have a formal procedure for investigating and dealing with privacy breaches or complaints. Once the Privacy Officer receives a complaint, whether it is in writing or verbal means, the Privacy Officer will commence an investigation with the relevant business unit from which the alleged breach stemmed. The investigator will endeavour to determine the nature of the breach and how it occurred. We may contact you during the process to seek any further clarification if necessary. If a breach is found, the Privacy Officer will escalate the matter to management so that the process can be rectified to prevent any further breaches from taking place. We will also contact you to inform you of the outcome of the investigation. We will endeavour to resolve all investigations within a reasonable time.

By giving us as much information as possible, you will help us resolve things faster. If you have any supporting documentation, please have it handy when you raise your concern(s). We will try to acknowledge your complaint within 5 business days and try to respond to your complaint within 45 days. Where we are unable to do so, we will send you an email or letter advising of the reasons for any delay, and your right to complain to our EDR scheme.