Privacy Policy

1.Introduction

Homeowner Now Pty Ltd ("we," "our," "us," or "the Company") is committed to protecting your privacy and personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and other relevant Australian privacy laws.

2. About Our Company

Homeowner Now is an Australian proprietary company limited by shares, registered with the Australian Securities and Investments Commission (ASIC).

We specialise in helping individuals achieve homeownership through various independent property and finance solutions.

3. Information We Collect

3.1 Personal Information

We collect personal information including but not limited to:

Full legal name and previous names
Date of birth and proof of identity
Contact details (email, phone, residential and postal addresses)
Employment history and current employment details
Income and expense information
Bank statements and financial records
Tax returns and financial statements
Assets and liabilities
Credit history and credit reports
Property preferences and requirements
Citizenship and residency status
Marital status and dependent information
Government-issued identification numbers
Social media profiles and interactions

3.2 Survey Data

Through our surveys, we collect:

Detailed financial circumstances
Property investment goals
Risk tolerance assessments
Financial information
Income
Debt levels
Assets and liabilities
Household contents
Employment type
Rental payment history
Residential history
Addresses
Number of dependants
Additional income information

3.3 Digital Information

Through our website, social media, and digital platforms, we automatically collect:

IP addresses and device identifiers
Browser type and version
Cookie data and tracking information
Website usage statistics
Social media interaction data
Advertisement interaction data
Location data (when permitted)
Contact details such as but not limited to name, phone, email, fullname

4. How We Collect Information

We collect information through:

Online forms and applications
Surveys and questionnaires
Website interactions
Social media platforms
Telephone conversations
Email communications
Face-to-face meetings
Third-party service providers
Public records
Credit reporting bodies
Facebook Ads platform and other social media advertising platforms

5. Purpose of Collection

We collect and use your personal information to:

Assess eligibility for homeownership opportunities
Provide property solutions
Connect you with relevant property opportunities
Conduct market research and analytics
Improve our services and products
Comply with legal and regulatory obligations
In order for our solution providers to complete credit checks and assessments if required
Marketing and promotional activities
Share with or sell to relevant third parties (This includes our referral channel partners who will often pay a upfront fee or referral fee upon conversion of a client for their solution)
Create demographic and psychographic profiles
Personalise targeted and advertising and communications

6. Information Sharing and Disclosure

6.1 Third-Party Sharing

We may share your information with:

Real estate agencies and property developers
Residential home builders both wholesale and retail within Australia & New Zealand
Mortgage brokers and financial institutions when relevant for submission for finance solutions
Financial advisors and accountants and other financial solution providers
Legal practitioners
Credit reporting bodies
Marketing agencies and advertisers
Data analytics providers
Cloud storage providers
Government agencies
Other property companies and services

6.2 Data Sales

We reserve the right to sell your personal information for a fee to third parties, including but not limited to:

Property developers and real estate companies
Financial services providers
Marketing and research companies
Data aggregators
Other relevant property businesses
Relevant property software companies
Residential home builders and construction companies

7. Marketing and Communications

7.1 Direct Marketing

We engage in direct marketing through:

Email newsletters
SMS messages
Social media advertising
Targeted digital advertising
Telephone calls
Direct mail
Surveys & Lead forms

7.2 Facebook Advertising

We use Facebook's advertising platform to:

Create targeted custom audiences
Implement remarketing campaigns
Track conversion events with pixel
Analyze advertising performance
Target specific demographics and regions

8. Your Rights and Choices

Under Australian privacy law, you have the right to:

Access your personal information
Request correction of inaccurate information
Opt-out of direct marketing
Make a privacy complaint
Request information about our data handling practices
Object to the sale of your personal information
Request deletion of your information (subject to legal requirements)

9. Data Security

9.1 Security Measures

We implement appropriate security measures including:

Encryption of digital data
Secure cloud storage
Access controls and authentication
Regular security assessments
Staff training on privacy and security
Physical security measures
Data breach response procedures

9.2 Data Breaches

In the event of a data breach that may cause serious harm, we will:

Assess the breach and potential risks
Notify affected individuals
Report to the Office of the Australian Information Commissioner (OAIC)
Take steps to prevent future breaches

10. Data Retention

We retain personal information for:

As long as necessary for our business purposes
As required by law
A minimum of 7 years for financial records
Until you request deletion (subject to legal requirements)

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11. Cookies and Tracking Technologies

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11.1 Types of Cookies We Use

Essential cookies for website functionality
Analytics cookies for performance measurement
Advertising cookies for targeted marketing
Social media cookies for platform integration
Third-party cookies for additional services

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11.2 Managing Cookies

You can manage cookies through:

Browser settings
Our cookie preference center
Third-party opt-out tools

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12. Changes to This Policy

We may modify this Privacy Policy at any time. Changes will be:

Posted on our website
Effective immediately upon posting

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13. Complaints and Contact Information

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13.1 Privacy Complaints

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To make a privacy complaint:

Contact our Privacy Officer at [Insert Contact Details]
We will respond within 30 days
If unsatisfied, you may contact the OAIC

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13.2 Contact Details

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Privacy Officer
Homeowner Now Pty Ltd
support@homeownernow.com.au

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14. Additional Legal Information

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14.1 Governing Law

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This Privacy Policy is governed by Australian law and subject to the jurisdiction of Australian courts.

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15. Additional Legal Information

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15.1 Governing Law