This is the privacy policy statement for First Home Loan and Clark Family Pty Ltd in relation to this website.
We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose, and protect your personal information when you use our website and related services.
Information We Collect and How It is Used
To process your financial services referral request, First Home Loan may collect your name, phone number, email address, postcode, and other details relevant to the type of service you are requesting.
This information is used to match you with a suitable financial services provider or lender. First Home Loan, on behalf of Clark Family Pty Ltd, provides this information to one (and only one) of our trusted network of third-party partners (brokers, lenders, and insurers) so that they can contact you directly and provide the services you have requested.
We may also receive information from our broker, insurer, and lender partners, including updates or outcomes of your application, via secure electronic systems or APIs. This information is used solely for customer service, quality assurance, and compliance reporting.
If you do not provide the personal information we request, we may not be able to assist you with your referral or process your inquiry.
Clark Family Pty Ltd may receive a referral fee or commission from our participating third-party partners (such as brokers, lenders, or insurers) when we successfully introduce you to them. Any such arrangements are a general marketing expense for our partners and do not affect the services or options that may be offered to you.
Disclosure of Personal Information
We may disclose your personal information to third-party providers, brokers, lenders, or service partners. Some of these recipients may be located outside Australia (for example, providers of cloud hosting, IT support, or specialist broker and lead-management systems). Where your information is transferred overseas, we will take reasonable steps to ensure that these recipients handle your information in a manner consistent with the APPs, including confidentiality and data security obligations, and, where practical, we will let you know if your information is likely to be handled outside Australia.
We require all third-party partners to comply with strict privacy and confidentiality obligations and to use your personal information only for the purpose of responding to your inquiry or providing the services you have requested.
Please note: Once you are referred to a third-party provider, their own privacy policy and terms will apply to any information you provide directly to them.
Cookies and Tracking Technologies
First Home Loan uses cookies to record session information and understand visitor interactions, including which pages are viewed. Cookies help us enhance system performance, improve user experience, and avoid showing you the same promotional material repeatedly.
We may also use third-party advertising or analytics services that employ cookies, pixels, or web beacons to measure ad performance and deliver relevant content. These partners may collect anonymous information about your visits to this and other websites.
By continuing to use our website, you consent to our use of cookies, including those from third-party providers, for analytics and marketing purposes.
Access and Correction of Personal Information
You may request access to the personal information we hold about you at any time. We will not charge any fee for making a request but may charge you reasonable costs incurred in providing access (e.g., photocopying or postage).
You may also request correction of your personal information if you believe it is inaccurate, out of date, incomplete, or misleading, and you may request that we delete personal information that we no longer need for the purposes set out in this policy or are no longer required to keep by law. We will respond to all access, correction, and deletion requests within a reasonable timeframe.
To make a request, please contact us. We may ask you to submit your request in writing for security reasons.
Complaints and Dispute Resolution
If you have any concerns about how your personal information has been handled, please contact us so that we can investigate and resolve your concern promptly.
If you are not satisfied with our response, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC):
We regularly review and update our privacy policy to ensure ongoing compliance with applicable laws and best practices. Updates will be published on this page with the latest revision date. Where we make a material change to our privacy practices that affects how we handle your previously collected personal information, we will endeavour to notify you directly (for example, by email) where it is practical to do so.
Contact Us
If you have any questions about this privacy statement, how we handle your information, or your dealings with this website, please contact us.
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Knowledgebase
Certificate of Deposit (CD): A savings certificate with a fixed maturity date and specified interest rate, typically higher than a standard savings account.
