Privacy Policy
RefiMortgageExperts.com.au (“we”, “us”, “our”) operated by Scale Smart Marketing Pty Ltd.
1. We respect your privacy
RefiMortgageExperts.com.au respects your right to privacy and is committed to safeguarding the privacy of our customers and website visitors. We adhere to the Australian Privacy Principles contained in the Privacy Act 1988 (Cth). In certain circumstances, we may be subject to privacy obligations under the Telecommunications Act 1997(Cth). Our direct marketing activities must also comply with the Do Not Call Register Act 2006 (Cth) and the Spam Act 2010 (Cth). This policy sets out how we collect and treat your personal information. “Personal information” is information we hold which is identifiable as being about you.
2. Collection of personal information
RefiMortgageExperts.com.au will, from time to time, receive and store personal information you enter onto our website, provided to us directly or given to us in other forms. You may provide basic information such as your first name, last name, phone number, post code, company name and email address to enable us to send information, provide updates and process your product or service order. We may collect additional information at other times, including but not limited to, when you provide feedback, when you provide information about your personal or business affairs, change your content or email preference, respond to surveys and/or promotions, or communicate with our customer support. Additionally, we may also collect any other information you provide while interacting with us.
3. How we collect your personal information
RefiMortgageExperts.com.au collects personal information from you in a variety of ways both directly and via our agents, service providers and affiliates. This includes when you interact with us electronically, when you access our website, through our contact centres or staff via phone, email or sms, through RefiMortgageExperts.com.au related websites, through social media platforms, through data aggregation services and when we provide our services to you. We may receive personal information from third parties. If we do, we will protect it as set out in this Privacy Policy.
4. Use of your personal information
RefiMortgageExperts.com.au may use personal information collected from you to: compare and/or obtain quotes for products and services, to provide to our business partners or suppliers so that they can provide you with a quote and/or additional information about their products and services, to reconcile transactions with our business partners or suppliers due to the service we provide, to make special offers to you, to market our services to you directly, and to adhere to our legal obligations.
We may also make you aware of new and additional products, services and opportunities available to you, of our own or those of other organisations. We may use your personal information to improve our products and services and better understand your needs. RefiMortgageExperts.com.au may contact you by a variety of measures including, but not limited to telephone, email, sms, mail, social media sites or other forms. RefiMortgageExperts.com.au requires collection of your personal information to fulfil its service. If we are unable to collect the required personal information we may be unable to fulfil the expectations of our customers and/or provide the level of service they expect from us.
5. Disclosure of your personal information
We may disclose your personal information to any of our employees, officers, insurers, professional advisers, agents, suppliers or subcontractors insofar as reasonably necessary for the purposes set out in this Policy. Personal information may also be disclosed to the relevant Industry Ombudsman or appropriate government regulator in its servicing of regulatory duties. We along with our related entities may disclose personal information about our customers to various third parties. Depending on the nature of the product or service, we may disclose customer information to a third party who provides or assists in the provision of that service. These may include sales agents and representatives, printers, mail distributors, couriers, dispatch centres, call centres operated by entities outside of RefiMortgageExperts.com.au, IT service providers and data managers and legal, accounting, insurance and business advisory consultant services. We may from time to time need to disclose personal information to comply with a legal requirement, such as a law, regulation, court order, subpoena, warrant, in the course of a legal proceeding or in response to a law enforcement agency request. We may also use your personal information to protect the copyright, trademarks, legal rights, property or safety of RefiMortgageExperts.com.au, its customers or third parties.
Information that we collect may from time to time be stored, processed in or transferred between parties located in countries outside of Australia. If there is a change of control in our business or a sale or transfer of business assets, we reserve the right to transfer to the extent permissible at law our user databases, together with any personal information and non-personal information contained in those databases. This information may be disclosed to a potential purchaser under an agreement to maintain confidentiality. We would seek to only disclose information in good faith and where required by any of the above circumstances. By providing us with personal information, you consent to the terms of this Privacy Policy and the types of disclosure covered by this Policy. Where we disclose your personal information to third parties, we will request that the third party follow this Policy regarding handling your personal information.
6. Security of your personal information
RefiMortgageExperts.com.au is committed to ensuring that the information you provide to us is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure information and protect it from misuse, interference, loss and unauthorised access, modification and disclosure.
The transmission and exchange of information is carried out at your own risk. We cannot guarantee the security of any information that you transmit to us, or receive from us. Although we take measures to safeguard against unauthorised disclosures of information, we cannot assure you that personal information that we collect will not be disclosed in a manner that is inconsistent with this Privacy Policy.
7. Access to your personal information
You may request details of personal information that we hold about you in accordance with the provisions of the Privacy Act 1988 (Cth). A small administrative fee may be payable for the provision of information. If you would like a copy of the information, which we hold about you or believe that any information we hold on you is inaccurate, out of date, incomplete, irrelevant or misleading, please email us at hello@scalesmartmarketing.com. We reserve the right to refuse to provide you with information that we hold about you, in certain circumstances set out in the Privacy Act.
8. Complaints about privacy
If you have any complaints about our privacy practices, please feel free to send in details of your complaints to Compliance Manager PO Box 367, Spit Junction NSW 2088, or email hello@scalesmartmarketing.com. We take complaints very seriously and will respond shortly after receiving written notice of your complaint.
9. Changes to Privacy Policy
Please be aware that we may change this Privacy Policy in the future. We may modify this Policy at any time, in our sole discretion and all modifications will be effective immediately upon our posting of the modifications on our website or notice board. Please check back from time to time to review our Privacy Policy.
10. Website
When you visit our website (RefiMortgageExperts.com.au) we may collect certain information such as browser type, operating system, Internet Protocol (IP) address of your computer when you visit our site and website visited immediately before coming to our site, etc. This information is used in an aggregated manner to analyse how people use our site, such that we can improve our service. We also interface with other 3rd party website and platforms such as Facebook and Google. If you choose to like or share; information from this website through these services, please review the appropriate privacy policy of that service. If you are a member of Google or other social media site, their platforms may allow the website to connect your visits to this site along with other personal information.
Cookies
We may from time to time use cookies on our website. Cookies are very small files which a website uses to identify you when you come back to the site and to store details about your use of the site. Cookies are not malicious programs that access or damage your computer. Most web browsers automatically accept cookies but you can choose to reject cookies by changing your browser settings. However, this may prevent you from taking full advantage of our website. Our website may from time to time use cookies to analyses website traffic and help us provide a better website visitor experience. In addition, cookies may be used to serve relevant ads to website visitors through third party services such as Google Adwords. These ads may appear on this website or other websites you visit.
Third party sites
Our site may from time to time have links to other websites not owned or controlled by us. These links are meant for your convenience only. Links to third party websites do not constitute sponsorship or endorsement or approval of these websites. Please be aware that RefiMortgageExperts.com.au is not responsible for the privacy practises of other such websites. We encourage our users to be aware, when they leave our website, to read the privacy statements of each and every website that collects personal identifiable information.
RefiMortgageExperts.com.au
(a Scale Smart Marketing Pty Ltd company)
Compliance Manager
PO Box 367
Spit Junction NSW 2088
Terms of Use
RefiMortgageExperts.com (“The Host”) is owned and operated by Scale Smart Marketing Pty Ltd (“SSM”). SSM operates the website RefiMortgageExperts.com
Acceptance Of Terms
This statement governs your use of the The Host Website. The other terms and conditions contained in the Privacy Policy and on the Website also form part of SSM’s agreement with you. Please read them carefully before proceeding.
Your use of and access to the The Host is conditional upon your acceptance and compliance with these Terms. Your use of and access to the The Host constitutes your agreement to be bound by these Terms. From time to time, SSM may change these Terms, without notice. Any subsequent use of or access to The Host by you will mean that you have accepted the changes to these Terms.
If you do not agree to these Terms, you must not use or access the The Host Website. These Terms are intended to be for the benefit of each of SSM, its Related Bodies Corporate and their respective Personnel.
Any pricing on this site is provided by third parties and is displayed in Australian dollars (AUD). The amounts are subject to change with price revisions and do not include any further amount that may be applied or not included due to different fees supplied by providers, cancellation fees that may be charged as well as charges you anticipate because you haven’t adhered to terms and conditions of any agreement with a provider.
The Host provides an information service to assist you to obtain certain products and services on the basis of particular criteria you may input. The products and services offered are not representative of all the products and services available in the market. At times, not all providers may be available. The Host may at any time and at their absolute discretion vary these Terms of Use.
You acknowledge and agree that The Host may use your personal information in accordance with the Privacy Policy. This policy can viewed here
Do Not Call Register & Consent
For the purposes of the Do Not Call Register Act 2006 (if it applies) by submitting your telephone number to The Host, you give your consent to be contacted by telephone on that number by either The Host, any of its related Bodies Corporate and any of its associated affiliates. Your consent will be deemed to be inferred consent and will continue until such time as you withdraw that consent.
Anti-Spam: Consent
For the purposes of the Spam Act 2003 (as applicable) by submitting your email address to The Host, you give your consent to be contacted by email on that email address by The Host, any of its related Bodies Corporate and any of its associated affiliates. Your consent will be deemed to be express consent and will continue until such time as you withdraw that consent.
Commissions
SSM receives payment from participating business partners for the services provided by SSM on this Website in the form of fees and commissions.
No Financial Advice
In no event shall The Host or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on The Host Website, even if The Host has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
Before acting on the information and guidance provided by the The Host, you should evaluate your own individual needs, objectives and situation and which products and services are suitable.
Limitations
In no event shall The Host or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on The Host Website, even if The Host has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
To the maximum extent permitted by law, The Host has no liability in relation to or arising out of the Website Information and Website recommendations. You are responsible for the final choice of your service provider and you should take time to read through all information supplied before proceeding. If you are in any doubt regarding a service/ product or its terms you should seek further advice from the relevant service provider before choosing your product.
Jurisdiction
These Terms of Use are governed by the laws in force in New South Wales, Australia and you irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of New South Wales, Australia and any courts which may hear appeals from those courts.
General Disclaimer Information
This site contains information, data, documents, pages and images prepared by Scale Smart Marketing (the Information) for and on behalf of RefiMortgageExperts.com(The Host). Whilst the Information contained in this site has been presented with all due care, The Host does not warrant or represent that the Information is free from errors or omission as a result of information passed on by Third Party Providers.
Accuracy Of Information
Whilst the Information is considered to be true and correct at the date of publication, changes will occur and changes in circumstances after the time of publication may impact on the accuracy of the Information, and therefore the Information should not be relied upon. The Information may change without notice and The Host is not in any way liable for the accuracy of any information printed and stored or in any way interpreted and used by a user.
Links To Third-Party Sites
The Information contained in this site includes information derived from various third parties and does not necessarily directly reflect any policies, procedures, standard or guidelines of The Host.
The Host takes no responsibility for the accuracy, currency, reliability and correctness of any information included in the Information provided by third parties nor for the accuracy, currency, reliability and correctness of links or references to information sources (including Internet Sites) outside of this website.
Links to other Internet Sites are not under the control of The Host and are provided for information only. Care has been taken in providing these links as suitable reference resources. However, due to the changing nature of the Internet content, it is the responsibility of the users to make their own investigations, decisions, enquiries about the information retrieved from other Internet Sites.