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This policy explains how Morris Home Loans collects, uses, stores and shares your personal information. We handle personal information in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
Who we are
Morris Home Loans is the business name used by Richard Morris, a Credit Representative (CRN 570376) authorised under Connective Credit Services Pty Ltd, Australian Credit Licence 389328. [CONFIRM WITH CONNECTIVE: Morris Home Loans entity name and ABN.] In this policy, we, us and our mean Morris Home Loans and its individual representatives. Our Credit Guide and Privacy Disclosure Statement explains who we are, how we are paid and how to make a complaint.
What information we collect
The information we collect depends on how you deal with us.
- When you get in touch or download a guide: your name, email address, phone number, and anything you tell us in your message or form.
- If you become a client: the information needed to assess and arrange a loan. This can include your identity details, income, employment, assets, debts, living expenses, and credit information. We will tell you what we need and why.
- When you use our website: technical information such as your IP address, device, browser, the pages you visit and how you found us, collected through cookies and similar tools.
Why we collect it and how we use it
- To respond to your enquiry and call you back.
- To send you the guide or information you asked for.
- To provide credit assistance, including assessing your needs and applying for loans on your behalf.
- To meet our legal and licensing obligations.
- To send you helpful updates and information. You can unsubscribe at any time using the link in our emails.
- To understand how our website is used and improve it, and to measure and improve our advertising.
Who we share it with
We only share your information where we need to or where you agree. This can include:
- lenders, mortgage insurers and other parties involved in your loan application;
- our licensee, Connective Credit Services Pty Ltd, and our aggregator, Connective Broker Services Pty Ltd, and their related companies;
- service providers who help us run our business, such as website hosting, customer relationship management and email tools (for example HubSpot), analytics and advertising platforms (for example Google and Meta);
- regulators, dispute resolution schemes and other bodies where the law requires or allows it.
Some of these providers may store or process information outside Australia. Where that happens, we take reasonable steps to make sure your information is handled in line with the Australian Privacy Principles. Some of the people we disclose information to may be based overseas. It is not practicable to list every country, but it is likely to include the Philippines, India and Nepal.
Credit information
If you apply for credit, we may collect credit-related information, including from credit reporting bodies, and share it with lenders as part of your application. You can ask us how we handle credit information.
Use of artificial intelligence
We may use artificial intelligence (AI), machine learning tools and automated systems to help us provide our services, for example to extract data from bank statements, summarise documents and match your information with lender policies. Where these tools are provided by third parties, we take reasonable steps to make sure your information is handled securely and in line with Australian privacy laws. Our use of AI is subject to human oversight.
Cookies and tracking
Our website uses cookies and similar technologies to make the site work, to understand how it is used, and to measure our advertising. You can change your browser settings to block or delete cookies, but some parts of the site may not work as well. [Update this section to match the cookie banner and tools live at launch.]
Keeping your information safe
We take reasonable steps to protect your information from misuse, loss and unauthorised access, and we keep it only for as long as we need it or the law requires. When we no longer need it, we destroy or de-identify it.
Marketing
We will only send you marketing emails if you have agreed to receive them. You can opt out at any time by using the unsubscribe link or contacting us.
Your rights: access and correction
You can ask to see the personal information we hold about you and ask us to correct it if it is wrong or out of date. Contact us using the details below. We will respond within a reasonable time, usually within 30 days.
Questions or complaints about privacy
If you have a privacy question or concern, contact us first. Contact Richard Morris on 0431 405 405 or richard@morrishomeloans.com.au, or write to [CONFIRM: Morris Home Loans business address]. If you are not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or on 1300 363 992.
Changes to this policy
We may update this policy from time to time. The latest version will always be on this page.