Privacy Policy
This is a working draft written to reflect the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth). Have a solicitor review it before publishing, particularly the sections on third-party data sharing and cookies, since your specific data flows (analytics, ad networks, your rate widget provider) need to be named accurately.
Last updated: [date]
[Company/entity name] (ABN [ABN number], “we”, “us”, “our”) operates homeloaninterestrates.au. This policy explains how we collect, use, store, and disclose personal information.
Information we collect
- Information you give us directly: your name and email address if you subscribe to our newsletter or contact us, and any details you enter into a mortgage or repayment calculator on this site.
- Information collected automatically: your IP address, browser type, pages viewed, and time spent on the site, collected via [Google Analytics / your analytics tool].
- Information from our comparison widget provider: if you interact with our rate comparison table, [Widget Provider Name] may collect information directly, under its own privacy policy, which we encourage you to read separately.
How we use your information
We use the information we collect to operate and improve the site, respond to enquiries, send newsletter updates if you’ve subscribed, and understand which content and tools are useful to visitors. We don’t sell your personal information to third parties.
Cookies
This site uses cookies for analytics and, where applicable, to remember your preferences (such as a previously entered loan amount in a calculator). You can disable cookies in your browser settings, though some tools on this site may not work as intended without them.
Sharing your information
We may share information with:
- Service providers who help us run the site (hosting, analytics, email delivery)
- [Widget Provider Name], if you interact with the rate comparison tool
- Regulatory or law enforcement bodies, where required by law
We don’t share your personal information with lenders or brokers unless you take an action that explicitly does so (for example, clicking through to a lender’s own site and submitting an enquiry there).
Data security
We take reasonable steps to protect the personal information we hold from misuse, loss, and unauthorised access, though no method of transmission over the internet is completely secure.
Access and correction
You can request access to, or correction of, the personal information we hold about you by contacting us at [email address]. We’ll respond within a reasonable timeframe.
Complaints
If you believe we’ve mishandled your personal information, contact us first at [email address]. If you’re not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.
Changes to this policy
We may update this policy from time to time. The date at the top of this page reflects the most recent revision.
Contact us
[Company/entity name]
[Postal address, if applicable]
[Email address]