Privacy Policy
Platinum Package Home Loans
We respect your personal information, and this Privacy Policy explains how we handle it. The policy covers Platinum Package Home Loans (www.pphl.com.au).
If you would like to provide feedback or have a complaint, please refer to the end of this policy.
This Policy also includes our credit reporting policy, that is, it covers additional information on how we manage your personal information collected in connection with a credit application, or a credit facility. We refer to this credit-related information below as credit information.
Platinum Package Home Loans 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). This policy sets out how we collect and treat your personal information.
“Personal information” is the information we hold which is identifiable as being about you. We need to collect personal information about you to provide you with our broking & related services. This privacy policy tells you how we collect your information, what we use the information for and who we share the information with. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection.
If you are in a country that is a member of the European Economic Area (EEA), the EU General Data Protection Regulation 2016/679 (‘GDPR’) governs the way we collect, use, hold, process and disclose your personal information. Under the GDPR, we are a data controller. We make decisions on how and why your personal information is processed.
About us
Platinum Package Home Loans Pty Ltd is a Corporate credit representative number 483232 of BLSSA Pty Ltd ACN 117 651 760 (Australian Credit Licence 391237)
What personal information do we collect and hold?
Platinum Package Home Loans 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. We will collect your information from you directly whenever we can, like from enquiries we make of you when you seek credit assistance from us.
General information: The types of information that we collect and hold about you could include:
- ID information such as your name, postal or email address, telephone numbers, and date of birth;
- other contact details such as social media handles;
- financial details such as your tax file number; and
- other information we think is necessary.
We may collect information about you because we are required or authorised by law to collect it. For example, we require personal information to verify your identity under Australian Anti-Money Laundering law.
What do we collect via your website activity?
We monitor your use of internet services to ensure we can verify you and can receive information from us, and to identify ways we can improve our services for you. If you start but don’t submit an online application, we can contact you using any of the contact details you’ve supplied to offer help completing it. The information in applications will be kept temporarily then destroyed if the application is not completed.
We also collect information when you engage with us through social media channels. We may collect information about you when you interact with us through these channels. However, for all confidential matters, we’ll ensure we interact with you via a secure forum.
We sometimes collect de-identified information from web users, such as IP addresses or geographical information, to ensure your use of our web applications is secure.
Cookies
We may from time to time use cookies on our website to identify you when you come back to the site and to store details about your use. Cookies are not malicious programs. Most web browsers automatically accept cookies, but you can choose to reject them. We may use cookies to analyse traffic and serve relevant ads via third parties such as Google Adwords.
If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These cookies will last for one year.
Other cookies include login/session cookies and post edit cookies. These help with session management and user preferences.
Third-party Sites
Our site may contain links to other websites not owned or controlled by us. We are not responsible for the privacy practices of these websites and recommend reviewing their policies.
Credit Info, Access Rights, Complaints & GDPR
Credit Information: We collect credit-related data as required under the Privacy Act. This includes credit application history, third-party sources like referees, and details about your loan/lease obligations.
Access and Corrections: You may request access to your data, or request corrections. We will respond in writing and take action within 30 days or inform you of any required extensions.
Your GDPR Rights: If you are in the EEA, you may withdraw consent, object to processing, request a copy of your personal data, or request deletion. We will act on valid requests in accordance with GDPR.
Complaints and AFCA Process: You can contact us directly or lodge a complaint with the Australian Financial Complaints Authority (AFCA) for external resolution. We will respond within seven days of receiving your complaint.
Contact Us
If you have any questions, feedback, or would like to make a complaint, you can contact us directly using the details below:
- Email:admin@pphl.com.au
- Phone: 1300 448 035 (Monday to Friday, 9am to 5pm AEST)
- Mail: PO Box 5817, Studfield VIC 3152
If we are unable to resolve your complaint, you can escalate it to the Australian Financial Complaints Authority (AFCA) for free independent dispute resolution.