Privacy Policy

This Privacy Policy came into existence on 5 July 2024

Who Are We?
Nude Home Loans Pty Ltd ACN 626 172 281 ("Nude Home Loans", "we", "us", or "our"), is credit

representative number 554048 of Buyers Choice Pty Ltd ACN 626 172 281 (Australian Credit

Licence 509484). We are Mortgage Brokers, and we deal with a lot of information daily, so we

respect and appreciate how importance of privacy and data security. This Privacy Policy

outlines how we collect, use, disclose, and protect your information when you visit our website

and interact with our housing advertisements.

Our Commitment to Protect Your Privacy

We understand the importance of protecting your personal information. This document outlines

our privacy policy commitment regarding the personal information we hold about you and how

we handle that information.

We recognise that any personal information we collect about you will only be used for the

purposes for which it was collected or as permitted by law.

It is crucial to us that you feel confident that any personal information we hold about you will be

treated in a manner that ensures its protection.

Our commitment to personal information protection is to adhere to the Australian Privacy

Principles as set out in the Privacy Act and any other relevant legislation.

Personal Information
When we refer to personal information, we mean information from which your identity is

reasonably apparent. This may include information or opinions about you, true or not. The

personal information we hold about you may also include credit information.

Credit information is used to assess your eligibility for finance. It may include details of any

finance you have outstanding, your repayment history, and any defaults. Typically, credit

information is exchanged between credit and finance providers and credit reporting bodies.

The kinds of personal information we may collect about you include:

• Name

• Date of birth

• Address

• Account details

• Occupation

• Any other information we may need to identify you

If you are applying for finance, we may also collect:

• The ages and number of your dependants and cohabitants

• The length of time at your current address

• Your employment details

• Proof of earnings and expenses

• Other financial details

How we collect your personal information

Where reasonable and practical, we will collect your personal information directly from you.

We collect personal information from our website, competitions, promotions, and

advertisements you respond to.

Like many other commercial websites, we may gather information in connection with your use

of our Site or Services through the use of "cookies" and similar technologies such as web server

logs, pixels, and end-user website activity (collectively, "Tracking Technologies"). Personal

information gathered through Tracking Technologies may include internet or other electronic

network activity information such as:

• IP addresses

• Hashed identifiers derived from email addresses for cross-device tracking for targeted

advertising

• The date and time of visits

• The pages viewed

• Links to/from any page

• Time spent at a site

If you do not want information collected through the use of cookies, most browsers allow you to

automatically decline cookies or be given the choice of declining or accepting a particular

cookie (or cookies) from a particular site.

We use this information to measure web traffic and usage activity on our Site, improve and

enhance the functionality of our Site, identify possible fraudulent activity, and better

understand the sources of traffic and interactions on our Site.

Why We Collect Your Personal Information

We collect personal information for the following purposes:

• To assess your application for finance and manage that finance.

• To contact you

• To Establish your identity

• For direct marketing purposes and to manage our relationship with you.

• To offer you other products and services from time to time.

To maintain a successful business relationship with you, we may disclose your personal

information to other organizations that provide products or services used or marketed by us.

We may also disclose your personal information to any other organisation that may have, or is

considering having, an interest in your finance or our business.

Updating your personal information

It is important to us that the personal information we hold about you is accurate and up to date.

During our relationship we ask that you inform us to any changes in your personal information.

If you wish to make any changes to your personal information, you may contact us by:

• Calling us on 1300 NudeHL

• Emailing us at admin@nudehomeloans.com.au

We will generally rely on you to ensure the information we hold about you is accurate and

complete.

Do we disclose your personal information?

We may disclose your personal information under the following circumstances:

• To prospective funders or other intermediaries in relation to your finance requirements.

• To organisations involved in managing or administering your finance, such as third-party

suppliers, printing and postal services, and call centres.

• To associated businesses that may wish to market products to you.

• To companies that provide information and infrastructure systems to us.

• To anyone who represents you, such as finance brokers, lawyers, and accountants.

• To any entity or person where you have provided us with consent.

• Where we are required to do so by law, such as under the Anti-Money Laundering and

Counter-Terrorism Financing Act 2006 (Cth).

• To investors, agents, advisers, or any entity that has an interest in our business.

• To your employer, referees, or identity verification services.

Before disclosing any of your personal information to another person or organisation, we will

take reasonable steps to ensure that:

(a) The person or organization has a commitment to protecting your personal information at

least equal to our commitment, or

(b) You have consented to us making the disclosure.

We may use cloud storage to store the personal information we hold about you. The cloud

storage and IT servers may be located outside Australia. We may also disclose your personal

information to overseas entities that provide support functions to us.

Sensitive Information

We will only collect sensitive information about you with your explicit consent. Sensitive

information refers to personal information that includes details about your racial or

ethnic origin, political opinions, memberships in trade or professional associations or

trade unions, sexual orientation or practices, criminal record, or health information.

How Safe and Secure is Your Personal Information?

We are committed to ensuring the security of your personal information that we hold.

We take reasonable steps to protect your personal information by storing it in a secure

environment, both in paper and electronic form. These measures include safeguards

against misuse, loss, unauthorized access, modification, or disclosure of your personal

information.

Direct Marketing

We may use your personal information to provide you with current information about finance,

offers you may find of interest, changes to our organization, or new products or services offered

by us or any associated company.

If you do not wish to receive marketing information, you may decline at any time by:

• Calling us on 1300 NudeHL

• Emailing us at admin@nudehomeloans.com.au

If the direct marketing is via email, you can also use the ubscribe function provided in the email.

We will not charge you for processing your request and will make every reasonable effort to

action your request promptly.

Complaints and Disputes

If you are dissatisfied with how we have handled your personal information, or if you have a

complaint about our compliance with the Privacy Act, you may contact us at:

• Phone: 1300 NudeHL

• Email: admin@nudehomeloans.com.au

We will acknowledge your complaint within seven days and provide you with a decision on your

complaint within 30 days.

If you are dissatisfied with the response from our complaints officer, you may escalate your

complaint to the Privacy Commissioner. The Privacy Commissioner can be contacted at:

• Website: www.oaic.gov.au

• Phone: 1300 363 992

Change in our privacy policy

We are constantly reviewing all our policies and attempt to keep up to date with constantly

changing laws and market place practices.

So that we can do this, there may be changes to this privacy policy from time to time or if the

need arises.