::: ILH :::

ILOANS understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information that you may provide us.

Our privacy policy ensures your right to privacy as we recognise that any personal information we may collect about you will only be used for the purpose indicated in our policy. It is important to us that you are confident that any personal information that we collect from or is received by us will be treated with the appropriated respect ensuring protection of your personal information.

Our commitment in respect of your personal information is to abide by the National Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law.

ILOANS MORTGAGES

The following privacy policy covers ILOANS and all its independent consultants representing the company.

PERSONAL INFORMATION

When we refer to personal information we mean that information from which your identity is apparent. This information may include information or an opinion about you, from which your identity can reasonably be ascertained.

WHY WE COLLECT YOUR PERSONAL INFORMATION

We collect personal information about you in order to conduct our business. This includes the following:

• assessing you for mortgage or other finance
• completing a loan application to our panel lenders
• communicating with you
• internal administration and financial control

HOW DO WE COLLECT YOUR PERSONAL INFORMATION

We may collect personal information from you through our consultants, our website or by you contacting our office. Where reasonable and practical, we will collect your personal information directly from you.

TO WHOM WILL WE DISCLOSE YOUR PERSONAL INFORMATION

Your personal information may be disclosed between ILOANS Mortgages and its consultants to enable us to conduct our business.

In the ordinary operation of our business, we may disclose your personal information with other associated organizations, such as our panel lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting agencies and lawyers. We will only disclose to these associated organizations that information necessary for them to perform their service. Otherwise, we will not disclose your personal information unless required by law. We do not sell customer lists to third parties.

Prior to disclosing any of your personal information to another organization, we will take all reasonable steps to satisfy ourselves that the organization is similarly committed to protecting your personal information.

KEEPING IN TOUCH WITH YOU

As a valued client, we would naturally like to keep in touch with you. From time to time we may use your personal information to provide you with current information about market conditions, mortgage loans and other related areas of interest.

UPDATING YOUR PERSONAL INFORMATION

It is important to our relationship that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we will ask you to inform us if any of your personal information has changed.

If you wish to make changes to your personal information, you may contact us. We will generally rely on you to assist us in informing us if the information we hold about you is inaccurate or incomplete.

ACCESS TO YOUR PERSONAL INFORMATION

We will provide you with access to your personal information that we hold about you. You may request access to any of your personal information we hold about you at any time. To access personal information that we hold about you please use the contact details specified above.

HOW SAFE IS YOUR PERSONAL INFORMATION

We will take reasonable steps to protect your personal information by storing it in a secure environment, and when this information is no longer needed for any purpose, for which the information may be disclosed, it will be destroyed or permanently de-identified. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorized access, modification or disclosure.

CHANGE IN OUR PRIVACY POLICY

We may change this privacy policy from time to time, as the need arises to comply with new laws or changing market conditions. This privacy policy came in to existence when ILOANS commenced business in June 2003. This privacy policy was written in accordance with changes to the Privacy Act in December 2001.