Website Terms of Use

1. About these website terms of use

These website Terms of Use 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.

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.

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/. By viewing the pages of our website you acknowledge that you have read and accepted these Website Terms of Use and our Privacy and 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.

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.

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.

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.

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 browsers;
• 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. 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).

10. 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.

11. Disclosure to overseas entities

We may disclose personal information obtained from cookies to overseas entities in the course of our activities.

12. 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 requesting to receive communications in paper form.

13. Jurisdiction

The use of this website and these Website Terms of Use are to be governed by the laws of the State of Victoria.

14. Further information

You may request further information about this website by contacting us at:

Phone: 1300 622 100
Email: [email protected]dcapital.com