At Home Ownership Company® Pty Ltd we understand the importance of protecting your privacy and we are committed to complying with the Privacy Act and the National Privacy Principles. Click here for our Privacy Policy. We shall appoint a responsible officer of the company as the Privacy Officer to oversee the implementation and compliance with this Policy.

How we collect your personal information
We collect personal information about you from your meetings and communications with us. This includes any information submitted to our website or that you request any one else to provide to us on your behalf. We may also collect information from publicly available records, credit reference agencies, banks and other financial institutions, insurers, real estate agents, valuers and your conveyancer or lawyer ("Financial Organisations").

Examples of financial information that we may collect about you include information about your residence, assets, liabilities, income, expenses, credit history, employment and employment history. We rely upon you to keep us up to date with any changes to your personal information, and particularly your financial information.

If we are not provided with the information that we request then we may be unable to provide the information or services you request.

How we use your personal information
We use your personal information to:

• Provide our services to you
• Conduct our business, for example to determine whether you may qualify for a loan or to design a debt reduction program or budget
• Complete loan application forms and to deal with Financial Organisations for you
• Communicate information about our products and services to you
• For our internal administrative, marketing, planning, product development and research requirements
• Assist you with any future request for our services (unless you request us to destroy your information after providing our current services to you). You may do this by written notice to our Privacy Officer.

When we may give personal information to others
We will need to provide personal information about you to Financial Organisations in order to provide our services to you. Sometimes we may also need to give some personal information about you to other organisations who provide services that assist us in supplying the services or products you require of us or others or in the ordinary operation of our business. Examples of these are our related entities, contractors who act as consultants or coaches, or for data processing, printing or mailing. We take all reasonable measures to secure your personal information and to prevent these third parties from using your personal information for any other purpose.

Marketing Information
We may with your consent, use your personal information to send you information, that may be of interest to you, about products or services that are available from us or from other businesses with whom we deal. Your consent is implied unless you notify us that you do not consent to your information being used for this purpose. You can notify us in writing by either letter, email or faxing to our Privacy Officer, Home Ownership Company® Pty Ltd, PO Box 2010, Kent Town SA 5071.

Email Information
The Home Ownership Company® will only be using the email address for the following reasons: Questionnaires & Surveys, HOC information and newsletters, your budget booklet confirmation, new Product information, investment opportunity information, change of address or telephone numbers.

Your access rights, and how to contact us
The Privacy Act gives you rights to access the personal information we hold about you, and you can ask us to correct the information if it is inaccurate. More information is set out in our Privacy Policy.

To contact us about Privacy issues please contact The Privacy Officer, Home Ownership Company® Pty Ltd, PO Box 2010, Kent Town SA 5071.