About this privacy policy Chilli Home Loans is committed to protecting your privacy. The following privacy policy provides details on how we collect, store, use, disclose and protect your personal data. Chilli Home Loans adheres to the Privacy Act 1988 and the Privacy (Private Sector) Amendment Act 2001. If you would like more information on Australian Privacy legislation please visit www.privacy.gov.au. The following privacy policy relates to Chilli Australia Pty Ltd trading as Chilli Home Loans, [157 Main Road, Blackwood  SA  5051], [ (ACN 053 288 350)] its agents, subsidiaries, employees and brokers. Chilli Home Loans reserves the right to update this privacy policy to reflect the introduction of new privacy requirements. Collection of Personal Information Chilli Home Loans only collects information that you specifically provide. You may provide it to our brokers during the interview process, on the telephone or through our website. We only collect the personal information necessary for us to fulfil the services you have requested and will only use your information for further purposes that you have consented to. At all times we Endeavour to provide clear information about the reasons for collecting the information and the purposes for which it will be used. We do not use cookies for collecting user information from the Chilli Home Loans website. Accuracy of Personal Data Chilli Home Loans is required to keep the information we hold about you accurate and up-to-date. To do this we are reliant on you to tell us when there is a change to your personal details so that your records can be updated. Use of Personal Information Chilli Home Loans will use your personal information to provide you the services you require and related purposes within your reasonable expectations. This may include determining whether you may qualify for a home loan, completing of loan application forms, concluding transactions and providing other services associated with the provision of home loans. It will also be used for internal administration, planning, product development and research. From time-to-time we may wish to use your personal details to contact you regarding our products and services. Prior to your information being used in this way we will offer you an opportunity to register your objection. Further opportunities to opt-out will be provided with each marketing communication. Alternatively, you can opt-out of receiving future communications from Chilli Home Loans by contacting your broker or the Chilli Home Loans Privacy Officer whose contact details are set out at the end of this policy. Disclosure of your Personal Data Chilli Home Loans only discloses your personal information to third parties where it is necessary to fulfil the requested business services. This may include disclosure to financial institutions for the purpose of submitting a loan application. Chilli Home loans is a franchise operation and your personal information may be disclosed between Chilli Home Loans and its brokers to facilitate a requested transaction or to enable us to properly conduct our business within the Group. Access to Personal Information The law allows you to ask Chilli Home Loans at any time for a copy of the personal information we hold on you. Where a valid request is made to us in writing, we will provide you with copies of your data within 30 days of receiving your request in accordance with the law. We reserve the right to charge you a nominal fee to cover administrative costs that we may incur in providing personal information to you. Retention of Personal Information We will only hold your personal information for as long as required to fulfil the requested services or as required by law. When your personal information is no longer required for our business functions or for legal purposes it will be safely de-identified and destroyed. Information Security Chilli Home Loans takes steps to ensure the personal information we hold is secure against misuse, loss, unauthorised access, modification or exposure. Contacting Chilli Home Loans If you would like further information regarding this privacy policy please contact: John Powell Chilli Home Loans 157 Main Road, Blackwood  SA  5051 Tel:  08 8178 0606 Fax: 08 8278 1400 Email: chillihomeloans@ihug.com.au