Privacy Policy
At Happli, we’re committed to respecting your privacy. This Privacy Policy governs our data collection, processing and usage practices. It also describes your choices regarding use, access and correction of your personal information. Happli, its subsidiaries, employees, contractors, and affiliated brokers (“we”, “us”, “our”) are the entities responsible for this policy. By using our services, you consent to the data practices described in this policy.
Information We Collect
We collect personal and financial information from you for the purpose of providing mortgage brokerage services. This information includes, but is not limited to, your name, contact information, job title, financial status, credit history, and property details. We may also collect information about other individuals related to your application, such as co-applicants or guarantors.
How We Collect Information
We collect information from you directly when you engage our services, complete forms, or interact with our website. We may also obtain information from third parties such as credit reporting bodies, financial institutions, or other service providers involved in the mortgage process.
Use of Your Information
We use your personal information to assess your eligibility for mortgages, provide our services, communicate with you, maintain our internal operations, and comply with legal requirements. We may also use your information to inform you about our products and services that may be of interest to you.
Sharing Your Information
We may share your information with our employees, related entities, service providers, financial institutions, or government agencies as necessary to provide our services, complete transactions, and comply with legal requirements. We may also share your information with third parties you authorize to receive your information.
Your Rights and Choices
You have the right to request access to or correction of the personal information we hold about you. If you wish to make such a request or if you have any questions about our privacy practices, please contact us at enquiries@happli.au.
We may update this privacy policy from time to time. We encourage you to periodically review this page for the latest information on our privacy practices. Your continued use of our services after any changes to this privacy policy indicates your consent to the practices described in the revised policy.
Security
We are committed to protecting the security of your personal information. We use appropriate security measures to protect your personal information from unauthorized access, use, or disclosure.
International Transfers
Your personal information may be stored and processed in any country where we have facilities or service providers. By using our services, you consent to the transfer of information to countries outside of your country of residence, which may have different data protection rules than in your country.
Our Approach to Safeguarding Your Personal Data
At Happli, we prioritize the security of your personal data and implement rigorous measures to guard against misuse, loss, unauthorized access, alteration, or disclosure. We accomplish this through several methods such as: maintaining confidentiality among our employees, enforcing secure document storage policies, implementing robust security measures for system access, verifying the identity of individuals before granting access to personal data, and ensuring physical security of our office premises with controlled access. We take the responsibility of securing your personal data very seriously. Our team has a response plan in place designed to swiftly contain, evaluate, and address suspected data breaches, thereby helping to minimize potential harm to those affected. However, we must clarify that despite our best efforts, we cannot absolutely guarantee the security of your personal data. Your information may be stored in cloud-based or other networked or electronic storage systems. These systems, accessible from any location with an internet connection, often make it impractical to definitively state in which country your data may be held. Disclosures may occur in countries other than those listed here or previously referred to. Along with the above, we continuously keep an eye on advancements in security and encryption technologies. Please note, however, that while we take steps to secure your data, email and internet use may not always be secure, even with safeguards in place. We responsibly manage your data even after it’s no longer needed. If legally permissible, we take diligent steps to destroy or anonymize the data. In some instances, completely removing all traces of the information may not be possible or practical, and we may retain the information for future use, such as dispute resolution or evaluating future applications. Rest assured, any retained information continues to be protected by the security measures outlined in this Policy. Access to our computer systems is limited through password protection with two-factor authentication. If your personal data is no longer necessary, we ensure it is destroyed or anonymized.
Our Use of Cookies
We use cookies or similar tracking technologies on our website to enhance your experience. A ‘cookie’ is a small text file placed on your computer by a web server, which can later be retrieved. Our system records/logs data like your IP address, the date and time of your visit, the pages viewed, and any information downloaded when you browse, submit, or download information from the Happli website or associated landing pages. You can set your browser to refuse or delete existing cookies, though this may limit access to or functionality of parts of our website. We generally use this data to compile statistics, identify trends, manage our services, diagnose issues, and improve our offerings.
Advertising and Tracking
We may advertise on third-party websites. The advertising company may use cookies or web beacons to collect data like the server your computer is connected to, your browser type, the date and time of your visit, and the effectiveness of their marketing efforts when you view our ads. They may also collect information about how you use our website after viewing one of our ads on a third-party site.
Resolving Disputes
We have established procedures to address privacy breaches or complaints. For more information, please refer to our Internal Dispute Resolution policy.If you are unsatisfied with the resolution provided internally, you can escalate your complaint to our External Dispute Resolution provider, the Australian Financial Complaints Authority (AFCA). AFCA handles privacy complaints related to credit provision or credit reporting information.
Contact details for AFCA are:
Phone: 1800 931 678
Email: info@afca.org.au
Website: www.afca.org.au
Postal Address: Australian Financial Complaints Authority, GPO BOX 3, MELBOURNE VIC 3001
Please be aware that time limits may apply to lodge complaints with AFCA. You should act promptly or consult the AFCA website to understand if or when the time limit relevant to your circumstances expires.
If you believe we have mishandled your personal information, you may also lodge a complaint with the Office of the Australian Information Commissioner (OAIC) under the Privacy Act. The OAIC can be reached at www.oaic.gov.au or by calling 1300 363 992.
Contact Us and Share Your Feedback
We welcome any requests related to your personal information held by us, as well as any complaints regarding our treatment of your privacy.
Please direct your inquiries to: enquiries@happli.au
Complaints
If you have any complaints about our privacy practices, you can contact us at hello@happli.au. We will respond to your complaint within a reasonable time.It’s our commitment at Hain transparency and uphold the trust you place in us by safeguarding your personal information.
Contact Us
If you have any questions about this privacy policy or our data practices, please contact us at enquiries@happli.au.
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