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Privacy Policy

This privacy policy sets out how www.extramortgages.com uses and protects any information that you give www.extramortgages.com when you use this website.

www.extramortgages.com is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

www.extramortgages.com may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from [date].

What we collect

We may collect the following information:

• name and job title
• contact information including email address
• demographic information such as postcode, preferences and interests
• other information relevant to customer surveys and/or offers

What we do with the information we gather

We require this information to understand your needs and provide you with a better service, and in particular for the following reasons:

• Internal record keeping.
• We may use the information to improve our products and services.
• We may periodically send promotional emails about new products, special offers or other information which we think you may find interesting using the email address which you have provided.
• From time to time, we may also use your information to contact you for market research purposes. We may contact you by email, phone, fax or mail. We may use the information to customise the website according to your interests.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer’s hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

You may choose to restrict the collection or use of your personal information in the following ways:

• whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes
• if you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by writing to or emailing us at [email address]

We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so. We may use your personal information to send you promotional information about third parties which we think you may find interesting if you tell us that you wish this to happen.

You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please contact us direct

If you believe that any information we are holding on you is incorrect or incomplete, please write to or email us as soon as possible, at the above address. We will promptly correct any information found to be incorrect.

Your access to the Site is conditional upon your acceptance and compliance with the terms, conditions, notices and disclaimers contained in this document and any changes to this Terms of Use Agreement (further referred to as ‘Agreement’) that www.extramortgages.com may publish from time to time, whether or not you are a registered member of www.extramortgages.com (further referred to as ‘Member’). By accessing or using this Site in any way, including, without limitation, subscribing to a newsletter, purchasing any services through the Site, searching the Site or merely browsing the Site, you agree to and are bound by the terms, conditions, restrictions and limitations of this Agreement and www.extramortgages.com’ Privacy Policy. Every time you access the Site, by doing that you confirm your agreement with www.extramortgages.com’ Privacy Policy and this Agreement. You must familiarise yourself with this information and are encouraged to update your knowledge often.

1. Eligibility
   You must be 18 years of age or older to use the Site. By using the Site, you warrant that you have the right, authority, and capacity to enter into this Agreement. Your use of the Site is conditional upon your acceptance and compliance with this Agreement and www.extramortgages.com’ Privacy Policy.
2. Content
   All information, text, material, graphics, files and software used on the Site (further referred to as “Content”) are protected by Australian and international copyright and trademark laws. Except as otherwise explicitly agreed to in writing, the Content received through the Site may be downloaded, displayed, reformatted and printed for your personal, non-commercial use only, through the means of your home computer. You agree not to reproduce, retransmit, distribute, sell, republish, frame, broadcast or circulate the Content received through the Site, without www.extramortgages.com’ prior written consent.
3. www.extramortgages.com license to users
   www.extramortgages.com ebook is copyrighted and users are not allowed to share access to it or reproduce it in any manner. One purchase license grants you one user license. Violators will be prosecuted to the full extent of law. For more information please refer to ‘Licensing and Copyrights’ section of the ebook.
4. User license to www.extramortgages.com
   By posting any Content to the Site (including without limitation inputting data, posting messages, sending emails or photos, uploading files, or engaging in any other form of communication with the Site or through the Site), you grant to www.extramortgages.com, and you warrant that you have the right to grant, a perpetual, royalty-free, non-exclusive, irrevocable, unrestricted, worldwide license to use, copy, redistribute, adapt, transmit, publish, display, and broadcast this Content, and prepare derivative works from this Content, as well as sublicense the unrestricted right to exercise any of the foregoing rights granted, to any third party, in regard to this Content.
5. Links to other websites
   The Site contains links to third party websites and advertisements with such links. These linked websites are not under control of www.extramortgages.com and www.extramortgages.com is not responsible for the contents of any linked web site. The inclusion of the link or advertisement on the Site does not imply any endorsement of the linked website, and www.extramortgages.com has no knowledge of those web sites and/or their products. You should refer to the relevant advertiser for the product information and customer support.
6. Termination
   This Agreement is effective until terminated by www.extramortgages.com. www.extramortgages.com may terminate your access to the Site at any time, for any reason without notice, including without limitation our good-faith belief that you have violated these Terms of Use Agreement. In the event of termination, you will be no longer authorized to access the Site, but this Agreement will remain in effect and all restrictions imposed on you, licenses granted by you and all www.extramortgages.com disclaimers and limitations of liability set out in this Agreement will survive. If you have are a Member of www.extramortgages.com, you may terminate your Membership at any time, for any reason. www.extramortgages.com may terminate your Membership at any time, for any reason, without notice. If www.extramortgages.com terminates your Membership because you have breached the Agreement, you will not be entitled to any refund of the fees that you paid to www.extramortgages.com, but you will be still legally bound by this Agreement.
7. Disclaimer and limitation of liability
   - The Service and Content are provided “as is”, without warranties of any kind, either express or implied;
   - www.extramortgages.com does not warrant that your use of the Site will be uninterrupted or error-free, that any defects will be corrected or that the Site and its server are free from viruses or any other harmful components;
   - www.extramortgages.com does not warrant any Content in terms of correctness, accuracy, timeliness, or completeness;
   - www.extramortgages.com expressly disclaims warranties of any kind including without limitation implied warranties of merchantability and fitness for a particular purpose. Under no circumstances, including without limitation any act or negligence on the part of www.extramortgages.com, will www.extramortgages.com or its affiliates be liable for any indirect, incidental, special and/or consequential damages or loss of profits whatsoever which result from any use, or any inability to use the Site or any Content. The Content is published for information only without assuming a duty of care. www.extramortgages.com is not in the business of providing professional advice, and gives no warranty, guarantee or other representation about the accuracy of any Content. www.extramortgages.com is not liable for errors, omissions, delays, interruptions or cessation of the services through negligence or otherwise. To the extent permitted by law, www.extramortgages.com disclaims liability to all persons in relation to any loss or damage suffered through their use of the Site or communication with other Members. To the extent permitted by law, in the case of services supplied or offered by www.extramortgages.com, its liability for breach of any implied warranty or condition that cannot be excluded by the law is limited, at the sole discretion of www.extramortgages.com, to the supply of the services again, or the payment of the cost of having the services supplied again.
8. Indemnification
   If www.extramortgages.com suffers any loss or damage or incurs any costs in connection with any breach of this Agreement or any other legal obligation incurred due to your acts or negligence, then you agree to indemnify www.extramortgages.com for those losses, damages and costs.
9. Arbitration
   This agreement will be governed by and construed in accordance with the laws of Queensland, Australia. You irrevocably and unconditionally submit to the non-exclusive jurisdiction of the courts of Queensland. If any provision of this agreement is found to be invalid or unenforceable by a court of law, such invalidity or unenforceability will not affect the remainder of the agreement which will continue in full force and effect.
10. Changes to this Agreement
    www.extramortgages.com may choose to change the terms, conditions and operation of this Agreement anytime, such modifications to be effective upon posting on the Site.
11. Other rights
    All rights not expressly granted herein are reserved.