POLICIES

Privacy Policy

This Privacy Policy applies to the services offered on the www.paidinfull.com.au web site offered by Paid In Full Home Loans ABN 88 433 007 978 which relates to Bryce D. Blaker trading as Paid In Full Home Loans. Paid In Full Home Loans shall be referred to in this document as PIF.

Please read this Privacy Policy carefully before using the www.paidinfull.com.au web site. Usage of the www.paidinfull.com.au web site is conditional upon you agreeing to be bound by this privacy policy. In summary, while you should read each provision in this Privacy Policy, you must note that by using the PIF website:

  • You agree that if you submit your personal information to us, we may create a database record about you; and
  • You agree for us to use cookies on your browser (unless you remove them - please see below for explanation).

Protecting your privacy is important to us. We hope the following statement will help you understand how we use and safeguard the personal information that you provide to us on our website.

This privacy statement discloses the privacy practices for www.paidinfull.com.au and for Paid In Full Home Loans through contact with a representative via electronic or actual contact.

For information about your rights when using online services and making purchases over the Internet, refer to the government body, “Consumersonline” (www.consumersonline.gov.au)

Australia's national privacy principles include 10 National Privacy Principles (NPP’s) that form the backbone of the Privacy Amendment (Private Sector) Act and Paid In Full Home Loans endeavours to adhere to all of these principles.

The Privacy Commission at www.privacy.gov.au provides comprehensive information on the Act.

Concerns

If you have questions or concerns regarding our Privacy Statement, please contact:
Bryce Blaker
Paid in Full Home Loans
P.O. Box 199 Northgate, Qld. 4013
Email: admin@paidinfull.com.au.

1. Your personal information is important to us

PIF is committed to safeguarding your personal privacy. We recognise that you have a right to control how your personal information is collected and used. We know that providing personal information is an act of trust and we take that seriously.
Unless you directly give us consent to do otherwise, PIF will only collect and use your personal information provided by you whilst using this web site as set out below.

2.  Collecting information about you

PIF will not collect or monitor any personal information about you without your consent. The only personal information we collect when you use this web site is what you tell us about yourself, for example by joining our newsletter subscription on our site, and information about how you use our site.
When you apply for a product from us (online or through one of our consultants), we may ask for your personal information (such as name and address) in order to service your application. You do not have to provide us with this information if that is your preference. However, failure to do so may result in PIF being unable to service your needs and/or provide certain services.

3.  Our use of cookies

Cookies are pieces of information that a web site transfers to your computer's hard disk for record keeping purposes.
Most web browsers are set to accept cookies. PIF may use cookies to make your use of our website and services as convenient as possible. Cookies do not themselves personally identify users, although they do identify a user's browser. Cookies allow us to remember the information you have entered as you move through our site, and let us know how many people are using the different parts of the site. If you do not wish to receive any cookies you may set your browser to refuse cookies. However, this may mean you will not be able to take full advantage of PIF's web site.
When you submit information on our site anonymously, such as when using a rate calculator, we do not link this information back to a cookie which identifies you or retain it in any way unless you have agreed to this information being retained.

4.  Using and disclosing your personal information

We intend to use your information provided using this web site for the following purposes only.

    • To fulfil our obligation under any contract between yourself and PIF
    • To provide you with information about products and services offered or distributed by PIF or its related companies, or any lender or organisation PIF or its related companies is affiliated with or represents
    • To ask you for your opinion or comments about our products and/or services or those of related or affiliated companies
    • To track general traffic patterns showing the usage of our web site, without identifying the usage patterns of any particular individual.

Please also note that in order to operate the web site or deliver a service we may sometimes share your personal information with service providers.
As PIF recognise the trust you place in us when you give us personal information, we will not use or disclose any information about you provided using this web site for other purposes without your consent, except for in exceptional cases such as if disclosure is required by law or is necessary to protect the rights or property of PIF.

5.  When we will contact you

We may contact you via email or other contact details, which you provide to us in order to:

    • Provide you with information which may be of interest about updates, new PIF products, products and services offered or distributed by related companies or affiliates, and other matters which may interest you
    • To send you a newsletter

If you do not wish to receive this information or any direct marketing material, please email or call PIF through our contact details listed on this site.

6.  Storage and security of your personal information

PIF will endeavour to take all reasonable steps to keep secure any information, which we hold about you, and to keep this information accurate and up to date. Your information is stored on secure servers that are protected in controlled facilities. Our employees and data processors are obliged to respect the confidentiality of any personal information held by PIF. However, as we cannot guarantee the security of communications over the Internet, we cannot give an absolute assurance that your information will be secure at all times. PIF will not be held responsible for events arising from unauthorised access to your personal information.

7.  PIF and links to other web sites

PIF may provide links to web sites outside of the PIF site. These linked sites are not under the control of PIF, and we are not responsible for the conduct of companies linked to our web site. Before disclosing your personal information on any other web site, we advise you to examine the Terms and Conditions of those web sites.

8.  Accessing personal information held

If at any time you want to know what information we hold about you, you are welcome to request your personal information by emailing our office at admin@paidinfull.com.au. If you want to change and correct personal information that is inaccurate or out of date, please email us at admin@paidinfull.com.au. To have personal information deleted, please let us know in the same manner, and we will take reasonable steps to delete your personal information unless we need to keep it for legal reasons.

9.  What to do if you have a problem or question

If PIF becomes aware of any ongoing concerns or problems with areas on our web site or with client contact in any other form, we will take these issues seriously and work to address these concerns. If you have any further queries relating to our Privacy Policy, or you have a problem or complaint, please contact us via email at admin@paidinfull.com.au.or by calling 1300 790 206 or by fax to 1300 790 207

10.  Future changes

If we decide to change our privacy policy, we will post notice of those changes on our homepage so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an email. Users will have a choice as to whether or not we use their information in this different manner. We will use information in accordance with the privacy policy under which the information was collected.

Liability Disclaimer
PAID IN FULL HOME LOANS WILL USE ALL REASONABLE ENDEAVOURS TO PROTECT AND KEEP CONFIDENTIAL ANY PERSONALLY IDENTIFIABLE INFORMATION IN ITS POSSESSION IN RELATION TO ITS SUBSCRIBERS. IF ANY CONFIDENTIAL OR PERSONALLY IDENTIFIABLE INFORMATION IS ACCESSED BY A THIRD PARTY, WHETHER BY NEGLIGENCE OR OTHERWISE OF PAID IN FULL HOME LOANS, ITS AGENTS, CONTRACTORS, RELATED BODIES CORPORATE, AFFILIATES OR ASSOCIATED PARTIES, TO THE EXTENT PERMITTED BY LAW, PAID IN FULL HOME LOANS IS NOT LIABLE TO YOU OR TO ANY PERSON CLAIMING THROUGH YOU IN ANY WAY FOR ANY LOSS, DAMAGE, COSTS, LIABILITY OR OTHER FORM OF CONTRIBUTION.
Although every effort has been made to ensure the accuracy of the information contained on the PIF web site, the publishers shall have no liability to any person or entity with respect to any inaccuracy, misleading information, loss or damage caused directly or indirectly by the information contained on the site.
Changes and additions to the information contained on the PIF site are made frequently. The publishers may make such changes and additions to the web site at any time without prior notice.
PIF makes no guarantee that the site or any of the files located at www.paidinfull.com.au will be free of viruses or any other contaminating or destructive properties.