Your privacy is very important to us.
Accordingly, we have developed this policy in order for you to understand how we collect, use, communicate and make use of personal information.
When accessing the https://loanguides.com.au/ website, we will learn certain information about you during your visit.
Similar to other commercial websites, our website utilises a standard technology called ‘cookies’ (see explanation below) and server logs to collect information about how our site is used.
Information gathered through cookies and server logs may include the date and time of visits, the pages viewed, time spent at our site, and the websites visited just before and just after our own, as well as your IP address.
A cookie is a very small text document, which often includes an anonymous unique identifier.
When you visit a website, that site’s computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies.
Each website can send its own cookie to your browser if your browser’s preferences allow it, but (to protect your privacy) your browser only permits a website to access the cookies it has already sent to you, not the cookies sent to you by other sites.
IP addresses are used by your computer every time you are connected to the Internet.
Your IP address is a number that is used by computers on the network to identify your computer.
IP addresses are automatically collected by our web server as part of demographic and profile data known as “traffic data” so that data (such as the Web pages you request) can be sent to you.
If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses.
We provide the same protections for these electronic communications that we employ in the maintenance of information received online, mail and telephone.
This also applies when you register for our website, sign up through any of our forms using your email address or make a purchase on this site.
For further information see the email policies below.
Broadly speaking, we use personal information for purposes of administering our business activities, providing customer service and making available other items and services to our customers and prospective customers.
We will not obtain personally-identifying information about you when you visit our site, unless you choose to provide such information to us, nor will such information be sold or otherwise transferred to unaffiliated third parties without the approval of the user at the time of collection.
We may disclose information when legally compelled to do so, in other words, when we, in good faith, believe that the law requires it or for the protection of our legal rights.
We are committed to keeping your e-mail address confidential.
We do not sell, rent or lease our subscription lists to third parties, and we will not provide your personal information to any third party individual, government agency, or company at any time unless strictly compelled to do so by law.
We will use your e-mail address solely to provide timely information about home ownership and mortgage management.
We will maintain the information you send via e-mail in accordance with applicable federal law.
In compliance with the CAN-SPAM Act, all e-mail sent from our organisation will clearly state who the e-mail is from and provide clear information on how to contact the sender.
In addition, all e-mail messages will also contain concise information on how to remove yourself from our mailing list so that you receive no further e-mail communication from us.
Our site provides you the opportunity to opt-out of receiving communications from us and our partners by clicking the unsubscribe instructions located at the bottom of any e-mail that you receive from us at anytime.
Users who no longer wish to receive our newsletter or promotional materials may opt-out of receiving these communications by clicking on the unsubscribe link in the e-mail.
https://loanguides.com.au may contain links to many other websites.
We can not guarantee the accuracy of information found at any linked site.
Links to or from external sites not owned or controlled by us do not constitute an endorsement by or any of its employees of the sponsors of these sites or the products or information presented therein.
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws.
If you do not agree with any of these terms, you are prohibited from using or accessing this site.
The materials contained in this web site are protected by applicable copyright and trade mark law.
All copyrights, trademarks, patents and other intellectual property rights in and on our website and all content and software located on the site shall remain the sole property of or its licensors.
The use of our trademarks, content and intellectual property is forbidden without the express written consent from us.
You agree to use our website only for lawful purposes, and in a way that does not infringe the rights of, restrict or inhibit anyone else’s use and enjoyment of the website.
Prohibited behaviour includes harassing or causing distress or inconvenience to any other user, transmitting obscene or offensive content or disrupting the normal flow of dialogue within our website.
You must not use our website to send unsolicited commercial communications.
You must not use the content on our website for any marketing related purpose without our express written consent.
We may in the future need to restrict access to parts (or all) of our website and reserve full rights to do so.
If, at any point, we provide you with a username and password for you to access restricted areas of our website, you must ensure that both your username and password are kept confidential.
Concerning the use of endorsements and testimonials in advertising, please be aware of the following:
Testimonials that appear on this site are actually received via text, audio or video submission.
They are individual experiences, reflecting real life experiences of those who have used our products and/or services in some way.
They are individual results and results do vary.
We do not claim that they are typical results.
The testimonials are not necessarily representative of all of those who will use our products and/or services.
The testimonials displayed in any form on this site (text, audio, video or other) are reproduced verbatim, except for correction of grammatical or typing errors.
Some may have been shortened.
In other words, not the whole message received by the testimonial writer is displayed when it seems too lengthy or not the whole statement seems relevant for the general public.
To protect against abuse, all testimonials appear after they have been reviewed by management.
We do not share the opinions, views or commentary of any testimonials on https://loanguides.com.au – the opinions are strictly the views of the testimonial source.
The testimonials are never intended to make claims that our products and/or services can be used to improve your financial position.
Any such claims, implicit or explicit, in any shape or form, has been prepared without taking into account your investment objectives, financial situation or needs.
Accordingly, before acting on any advice contained on this website, you should assess whether the advice is appropriate in light of your own financial circumstances or contact your adviser.
Email is not recognised as a secure medium of communication.
For this reason, we request that you do not send private information to us by email.
However, doing so is allowed, but at your own risk.
Some of the information you may enter on our website may be transmitted securely via a secure medium known as Secure Sockets Layer, or SSL.
Credit Card information and other sensitive information is never transmitted via email.
We may use software programs to create summary statistics, which are used for such purposes as assessing the number of visitors to the different sections of our site, what information is of most and least interest, determining technical design specifications, and identifying system performance or problem areas.
For site security purposes and to ensure that this service remains available to all users, the site uses software programs to monitor network traffic to identify unauthorised attempts to upload or change information, or otherwise cause damage.
Loan Guides makes no representations, warranties, or assurances as to the accuracy, currency or completeness of the content contained on this website or any sites linked to this site.
All the materials on this site are provided ‘as is’ without any express or implied warranty of any kind, including warranties of merchantability, non-infringement of intellectual property or fitness for any particular purpose.
In no event shall Loan Guides or its agents or associates be liable for any damages whatsoever (including, without limitation, damages for loss of profits, business interruption, loss of information, injury or death) arising out of the use of or inability to use the materials, even if it has been advised of the possibility of such loss or damages.
We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained.