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Website Privacy Policy
About this website privacy policy
This website policy applies 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.
Our commitment in respect of personal information is to abide by the Australian Privacy Principles (APPs) and Part IIIA of the Privacy Act 1988 (Cth) (Privacy Act), the Privacy (Credit Reporting) Code 2014 and any other relevant law.
In addition to the Privacy Act, individuals located in the European Union (EU) may also have additional rights under EU-based rules known as the General Data Protection Regulation (GDPR). The GDPR has harmonised the data privacy laws of each individual EU country, giving more rights to individuals located in the EU and more obligations to organisations holding their personal information.
Details of these additional rights under the GDPR as they apply to individuals located in the EU, and how we meet them, are outlined in the Schedule to this policy.
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/.
This policy may change from time to time. Please contact us on 1300 622 100 if you would like further information about this policy.
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.
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.
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.
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.
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 browsers;
- to customise our website for you;
- for statistical purposes;
- to identify if you have accessed a Third Party Website; and
- for security purposes.
- 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.
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.
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, 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).
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 1300 622 100. We will respond to your request as soon as practicable.
Disclosure to overseas entities
We may disclose personal information obtained from cookies to overseas entities in the course of our activities.
Schedule
This Schedule only applies to individuals located in the EU that are subject to the GDPR.
The GDPR establishes a uniform data protection law across the European Economic Area (EEA) and aims to protect the privacy and use of personal data belonging to residents of the EEA. We are required to comply with the GDPR because we process personal data (largely in the form of IP address information) relating to residents of the EU.
Whilst the GDPR and the Australian privacy laws are similar, there are some notable differences which are set out in this Schedule. The additional provisions of this Schedule apply in addition to the requirements contained in our website privacy policy (except where otherwise provided). To the extent that there is any inconsistency between the terms of our website privacy policy and the terms of this Schedule, the provisions of the Schedule will apply.
What are cookies?
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.
For further information about cookies, visit allaboutcookies.org.
Some of our cookies are provided by third parties, such as Google Inc., and are subject to their privacy policies. For more information about their privacy policies, please visit their respective websites. The information these third parties collect may be transferred to, and stored at, a location outside Australia. By accepting cookies, you agree to this transfer, storing or processing of your personal information.
Why do we collect your information via cookies?
Under the requirements of the GDPR, we can only collect and use your personal information in the following circumstances:
- when you provide your consent.
- for performance of a contract with you (which include acting on instructions you give us before entering into a contract);
- when it is necessary to comply with the law or a legal obligation;
- when it is in our (or a third party’s) legitimate interest, unless there is a good reason to protect your personal information which overrides these legitimate interests.
- We use cookies for the purposes outlined below.
We use cookies for the purposes outlined below
| Purpose/activity for collecting/using your cookie | Our lawful basis for processing to process cookies | Examples of our legitimate interests |
|---|---|---|
| To personalise/ customise our website for you | - You have given your consent - Our legitimate interests | - To help us to remember you the next time you visit our website - To help us identify products and services that may be of interest and value to you - To tailor digital content to your likely interest |
| Security | - Necessary to comply with a legal obligation - Our legitimate interests | - Complying with guidance of regulators - Managing risk - To verify online banking customers and carry out other essential security checks to offer you a secure and reliable online banking service |
| Direct marketing | - You have given your consent - Our legitimate interests | - To inform you of products or services that may be of interest and value to you |
| Communication with you | - Necessary to comply with a legal obligation - Our legitimate interests | - Complying with guidance of regulators Manage risk - To contact you |
| Measurement and statistical analysis | - Necessary to comply with a legal obligation - You have given your consent - Our legitimate interests | - Complying with the guidance of regulators - Manage risk - To measure the effectiveness of our marketing, including via third parties, in order to improve our services to you - For statistical purposes |
How can you manage cookies?
You can set your browser not to accept cookies, and our website will tell you how to remove cookies from your browser. However, in a few cases, some of our website features may not function as a result.
Who manages privacy at Household Capital?
We have a Data Protection Officer who is responsible for overseeing privacy at Household Capital. If you have any questions about this website privacy policy or want to exercise your rights relating to your personal information, please contact our Data Protection Officer using the contact details below.
Full name of legal entity: Household Capital Pty Limited ACN 618 068 214, Household Capital Services Pty Limited ACN 625 860 764
Title of Data Protection Officer: Chief Technical Officer
- Email address: [email protected]
- Postal address: Level 12, 1 Nicholson St, East Melbourne VIC 3002
- Telephone number: 1300 622 100
Complaints
If you are not satisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the GDPR, you may contact our Data Protection Officer officer on 1300 622 100.
If you are not satisfied with the response of our Data Protection Officer, you may make a complaint to the Information Commissioner’s Office which can be contacted using the contact details below.
Information Commissioner’s Office
Wycliffe House
Wilmslow
Cheshire SK9 5AF UK
Phone: 0303 123 113
Website: ico.org.uk