Privacy & Cookies Policy

1. Introduction

ProperLoans Pty Ltd (ABN 18 118 785 121) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

2. Information We Collect

We may collect the following types of information:

Personal Information:

• Name, email address, phone number
• Date of birth and residential address
• Employment and income information
• Financial information (loan amounts, credit history)

Technical Information:

• IP address, browser type, and device information
• Pages visited and time spent on our site
• Referral sources and clickstream data
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your information to:

• Provide comparison services and product recommendations
• Process your applications and referrals to lenders
• Communicate with you about products and services
• Improve our website and user experience
• Comply with legal and regulatory obligations
• Prevent fraud and ensure security

4. Disclosure of Information

We may share your information with:

• Financial Institutions: When you apply for products through our site
• Service Providers: Who assist us in operating our website and services
• Affiliate Partners: For commission tracking and reporting
• Legal Authorities: When required by law or to protect our rights

We do not sell your personal information to third parties for marketing purposes.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience. Cookies are small text files stored on your device.

Types of Cookies We Use:

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand how visitors use our site
• Marketing Cookies: Track conversions and affiliate referrals
• Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings, but disabling them may affect website functionality.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. This includes encryption, secure servers, and regular security audits.

7. Your Rights

Under Australian privacy law, you have the right to:

• Access your personal information
• Request correction of inaccurate information
• Request deletion of your information (subject to legal obligations)
• Opt-out of marketing communications
• Lodge a complaint with the Office of the Australian Information Commissioner (OAIC)

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, or as required by law. When information is no longer needed, we securely delete or anonymize it.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: