Privacy Policy
PLEASE NOTE: OUR PRIVACY POLICY CHANGES FROM TIME TO TIME. PLEASE CHECK
BACK FOR UPDATES
This Web site is not directed at persons under the age of 18. The
following privacy statement ("Privacy Policy") discloses our privacy
practices and applies to the services available under the domain of
www.commercialloansaustralia.com.au (the "Site). By registering on this
Site through the submission of the information requested, you agree that
the following terms and conditions of this Privacy Policy shall govern our
use and disclosure of your personal information. If you do not agree with
the terms and conditions of our Privacy Policy, please do not complete the
information request form (i.e., do not register) or otherwise use or
access this Site.
This Privacy Policy describes in some detail the information that we
collect from you as part of the normal operation of our service, and what
may happen to the information we collect. The Privacy Policy is effective
upon your registration, and is otherwise effective on 28 October, 2004 for
all users of this Site. The previous privacy policy was effective for all
users prior to this date.
Your privacy is very important to us
We understand that some of the information that you might provide on our
Site is personal and private. By submitting your personal information, you
are entrusting us to handle information that you regard as private, solely
for the purposes and in the manner set forth in this Privacy Policy and
for no other purpose. In exchange for your trust, you expect us to handle
your personal and private information in a professional manner that will
be in keeping with your trust. Our Privacy Policy explains what
information we obtain on this Site, and how we use the information
disclosed to us to link you to our business affiliates who have expressed
a willingness to provide you with the products and services associated
with this Site.
Who We Are
We are an on-line consumer service that introduces Specialised Lenders,
Mortgage Managers and/or Loan Originators of our choice (business
affiliates) who have expressed a general willingness to review your
information and determine if they are willing to provide you with the
services or products that prompted you to visit our Site. When you visit
our Site, you will be requested to complete a simple application with
information that is deemed necessary for our business affiliates to
perform a preliminary analysis of your qualifications to receive the
service or products. Based upon your consent, as evidenced by your
registering with us on this Site (i.e., your submission of the requested
information on the application), we will forward the information that you
provided to certain of our business affiliates for determining whether
they will offer you the products and services that you are seeking.
In addition, from time to time, we or our business affiliates may e-mail
you or otherwise correspond with you to inform you of additional
opportunities to receive special offers for other services and/or products
that we believe may be of interest. There are no fees for this premium
service ("Premium Service"), and you are under no obligation to accept any
service or product with any of our business affiliates.
Information We Collect
The information that we collect is generally limited to personal
information about you that our business affiliates consider necessary for
performing a preliminary evaluation of your qualifications. To the extent
that you can order products, enter contests, express an opinion, or
subscribe to a service(s), the type of personally identifiable information
that may be collected may include: name; address; e-mail address;
telephone number; fax number; credit card information; information about
your interests in and use of various products, programs, and services;
education level; educational interests; home owner status; income; debt
level; current mortgage; mortgage rate and the like. To the extent that
you are requested and you do submit information about other people, such
information will be limited recipient's name, address, e-mail address, and
telephone number.
We also collect user information that can help us optimize and enhance
your experience on our Site; as well as provide you with an efficient,
safe, smooth, and customised experience. For example, if you came to this
Site from an online banner ad, pop-up or other advertisement, an anonymous
identification number may be passed to our Site. In some cases, we may
place a cookie in your browser. The aforementioned information cannot, by
itself, be used to gather any personally identifiable information about
you, but it will allow us to track the overall effectiveness of our online
advertising campaigns. We also automatically track certain information
with respect to your behaviour on the Site through the forgoing cookie or
identification number. This non-personally identifiable information may
include the Internet address or URL that you just came from and which URL
you go to next; your computer browser information; and your IP address. We
use this non-personally identifiable information in conjunction with some
of the information that you provided to us to do internal research on our
users' demographics and behaviour; and to better understand how to best
serve other users of this Site.
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