This website policy includes a website that allows consumers to fill in questionnaires, forms and surveys, loan applications, subscription services and online expert chat.

In this document Allstate Home Loans Pty Limited ‘We’, ‘us’ and ‘ our’ refer to

Allstate Home Loans Pty Limited ABN 86 010 377 018 Australian Credit License 384512 and our related businesses.

This Website policy applies to this website owned and operated by Allstate Home Loans Pty Limited (‘Allstate’). We are committed to protecting your privacy. This policy explains how your personal information will be treated as you access and interact with this website.

Our website privacy policy may change from time to time. By accessing this web site, you are agreeing to be bound by the web site Terms and Conditions, 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 trademark law.

Content Checking

Allstate is committed to ensuring all information on our site is current, accurate, and trustworthy. Every blog post and web page published on our site is edited and fact -checked by our team of financial experts through a process that includes:

Compliance checking by our in-house loan specialists to ensure all product information is correct and compliant with current regulations.

Careful editing by experienced content editors to ensure clear messaging and easy to understand information.

Routine updates of all site content through automated processes and manual checks so the information presented is correct and current. While we make every effort to ensure that our information is accurate, we strongly encourage you to confirm the fine print on the product, brand or service that you’re interested in and seek independent advice before proceeding with any decision.

Collection and use of information

We may collect personal information from you directly or via your use of our services. We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities.

Sensitive information

Sensitive information is any information about a person’s racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.

We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it will also be captured and stored.

Information from third parties

Our website also contains links to the websites of third-party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third-Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.

Third Party

Websites are not under our control, and we accept no liability for the content or availability of any linked site that is not operated by us or any link contained in a linked site not operated by us. You access those sites and use their products and services solely at your own risk. Accordingly, you should read the terms and conditions of those websites before using them and direct any questions or comments about the linked website’s contents to the relevant website provider.

Advertising and tracking

When you view our advertisements on a Third-Party website, the advertising company uses 'cookies' and in some cases 'web beacons' to collect information such as:

• the server your computer is logged onto;
• your browser type;
• the date and time of your visit; and
• the performance of their marketing efforts.

When you access our website after viewing one of our advertisements on a Third-Party website, the advertising company collects information on how you utilize our website ( e.g. which pages you view) and whether you complete an online application.

Cookies

We use ‘cookies’ to provide you with better and more customized service and with a more effective website.

A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

We use cookies for different purposes such as:

• to allocate a unique number to your internet browsers;
• to customise our website for you;
• for statistical purposes;
• to identify if you have accessed a Third-Party Website; and
• for security purposes.

IP addresses

Your IP address is the identifier for your computer when you are using the internet.

It may be necessary for us to collect your IP address for your interaction with various parts of our website.

Online applications

When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.

You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.

Security of information

The security of your information is very important to us.

We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorized access, modification or disclosure.

If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).

Direct marketing

We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.

We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may submit a request Allstate at hello@allstatehomeloans.com.au. We will respond to your request as soon as practicable.

Disclosure to overseas entities

We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities. If you would like further information contact us at

Allstate Home Loans

Attention: Privacy Officer

G.P.O. Box 268, Brisbane, QLD, 4001

Telephone - 1800 101 368 between 8:30am and 5:00pm Queensland time, weekdays

Online: www.allstatehomeloans.com.au

Email: hello@allstatehomeloans.com.au

Complaints

If you have a complaint or dispute in relation to the website, please contact us using our contact details published on the website. Please also consider reading our Dispute Resolution Policy.

Exclusions & Limitations

The information on this web site is provided on an “as is” basis. To the fullest extent permitted by law, Allstate excludes all representations and warranties relating to this website and its contents or which is or may be provided by any affiliates or any other third party, including in relation to any inaccuracies or omissions in this website and/or Allstate literature; and excludes all liability for damages arising out of or in connection with your use of this website. This includes, without limitation, direct loss, loss of business or profits (whether or not the loss of such profits was foreseeable, arose in the normal course of things or you have advised Allstate of the possibility of such potential loss), damage caused to your computer, computer software, systems and programs and the data thereon or any other direct or indirect, consequential and incidental damages.

Allstate does not however exclude liability for death or personal injury caused by its negligence. The above exclusions and limitations apply only to the extent permitted by law. None of your statutory rights as a consumer are affected.