Website Terms of Use
1. About these website terms of use
These Website Terms of Use (referred to as this policy) apply to this website, which is operated on behalf of Household Capital Pty Limited ACN 618 068 214 and its related bodies corporate (we, us and our).
We are committed to protecting your privacy. This policy explains how your personal information will be treated as you access and interact with this website. You should read this policy in conjunction with our Privacy and Credit Reporting Policy, which can be accessed at https://householdcapital.com.au/privacy-credit-reporting-policy/. By viewing the pages of our website, you acknowledge that you have read and accepted this policy and our Privacy and Credit Reporting Policy.
This policy may change from time to time. We may amend the terms at any time for legitimate business, legal or regulatory compliance reasons. Where changes are material or may adversely affect your rights, we will take reasonable steps to bring them to your attention, such as by placing a prominent notice on the website or notifying you via the contact details you have provided. If you do not accept the revised terms, you should cease using the website. Any subsequent use of the website will constitute acceptance of the revised terms.
Please contact us on 13 13 09 if you would like further information about this policy.
2. Collection and use of information
We may collect personal information from you directly or through your use of our services. We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities.
Information on this website is of a general nature and does not constitute financial, legal or other professional advice. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on any information provided on this website, you should consider whether it is appropriate for your circumstances and seek independent professional advice where necessary.
3. Sensitive information
Sensitive information is any information about a person’s racial or ethnic origin, political opinion, 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.
We will not ask you to disclose sensitive information, but if you elect to provide sensitive information, it will also be captured and stored. Any sensitive information provided to us will be handled in accordance with our Privacy and Credit Reporting Policy.
4. Information from third parties
Our website may also contain links to the websites of third-party providers of goods and services (Third Party Websites). If you have 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 information, information about your preferences, or other information you have provided about yourself may be shared between us and the third party.
Links to Third Party Websites are provided for your convenience only. We do not control, endorse or approve any third-party content and make no representations or warranties regarding its accuracy or completeness. Accessing Third Party Websites is at your own risk, and we are not responsible for any loss or damage arising from your use of those websites.
5. Advertising and tracking
When you view our advertisements on a Third Party Website, 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 collects information about how you utilise our website (for example, which pages you view) and whether you complete an online application.
6. Cookies
We collect information using cookies when you access and use our website. We use cookies to provide you with better and more customised service and with a more effective website.
A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.
We use cookies for different purposes such as:
- to allocate a unique number to your internet browser;
- to customise our website for you;
- for statistical purposes;
- to identify if you have accessed a Third Party Website; and
- for security purposes.
7. IP addresses
Your IP address is the identifier for your computer when you are using the internet. It may be necessary for us to collect your IP address for your interaction with various parts of our website.
8. Online applications
When you apply for our products or services through our website, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.
You can also 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.
9. User account and password security
If we issue you with a username or password to access any part of this website, you are responsible for maintaining the confidentiality and security of those credentials. You must notify us immediately if you become aware of, or reasonably suspect, any misuse of your login details or any breach of security relating to your account.
10. Acceptable use
You must not use this website in any way that is unlawful, fraudulent or harmful, or in connection with any unlawful, fraudulent or harmful purpose or activity. You must not engage in any systematic or automated data collection activities (including scraping, data mining, robots or similar extraction tools) unless expressly authorised by us.
You must not introduce or transmit any viruses, malware, spyware or other harmful code, or attempt to bypass, disable or interfere with any security features of the website.
You must not attempt to decipher, decompile, disassemble or reverse engineer any of the software or underlying code used to operate the website.
We may monitor activity on the website for compliance, security and operational purposes. We may suspend or terminate your access to the website if you materially breach these terms and fail to remedy the breach within a reasonable time after we notify you, unless the breach is incapable of remedy.
11.Security of information
The security of your information is very important to us. We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as completely secure.
We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.
If we no longer require your information, and we are legally permitted to do so, we will take all reasonable steps to destroy or de-identify the information.
We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).
While we use reasonable efforts to maintain the website, we do not guarantee that access will be uninterrupted or error-free, or that the website will be free from viruses, malware, hacking attempts or other cybersecurity threats. Scheduled or unscheduled outages may occur due to maintenance, third-party service issues or events beyond our reasonable control. Your use of the website is at your own risk.
12. Direct Marketing
We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure. We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may contact us on 13 13 09. We will respond to your request as soon as practicable.
13. Disclosure of overseas entities
We may disclose personal information obtained from cookies to overseas entities in the course of our activities. Any overseas disclosures will be made in accordance with our Privacy and Credit Reporting Policy.
14. Electronic Communication Consent
You consent to us communicating with you electronically if you have provided us with an electronic message (email) address. This consent will apply to all electronic communications permitted by law. Notwithstanding this consent, we may still provide you with any relevant document in paper form. You may withdraw this consent at any time by contacting us using the details provided below and request to receive communications in paper form.
15. Limitation of liability
To the extent permitted by law, we exclude all warranties, conditions and representations relating to the website, whether express or implied. If you have rights under the Australian Consumer Law that cannot lawfully be excluded, our liability is limited to the supply of the services again or the cost of having the services supplied again.
16. Severability
If any part of this policy is held to be invalid, unlawful or unenforceable, that part will be severed, and the remainder will continue in full force and effect.
17. Jurisdiction
The use of this website and this policy are to be governed by the laws of the State of Victoria.
18. Further Information
You may request further information about this website by contacting us at:
Phone: 13 13 09
Email: info@householdcapital.com
Last Review: V2 February 2026