Craggle Holdings Pty Ltd ABN 19 661 952 576 ("Craggle") understands how important it is to ensure the confidentiality and security of your personal information.

This Privacy Policy sets out our commitment to protect your privacy in accordance with the law, and explains how we handle your personal information. It may be updated from time to time. You can obtain a current copy either on request by contacting us using the details below or by visiting our website: www.craggle.com.au.

What information does this policy apply to?

When we refer to personal information we mean information or an opinion from which you can be reasonably identified. This may include

• Identification Information such as your name, date of birth, address, account details, occupation, and any other information we may need to identify you. If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than as required by law. We will never use a government identifier to identify you.
• Financial information - information required for making credit-related decisions, such as credit reports from credit reporting bodies (CRBs), bank account information, employment status, income and expenses, assets and liabilities and credit and loan repayment history. We may also collect the ages and number of your dependants and cohabitants as part of any finance application.

Personal information collected by Craggle is treated as confidential and is protected under the Australian Privacy Principles which are set out in the Privacy Act 1988 (Cth) ("Privacy Act").

What personal information do we collect and how do we collect it?

We collect most personal information directly from you, whether in person, on the phone, electronically or if you deal with us in some other way. We may also collect personal information about you from third parties. We may collect information:

• directly from you when you provide information to us in application forms or when you submit your personal details through our website
• when you visit our website;
• from third parties such as your financial institution, Credit Reporting Bodies, social media platforms, marketing websites, related companies, or
• when legally required to do so for example, in the provision of specific credit services.

How we use and disclose your personal information

Personal information we collect about you will only be used for the purposes for which was given to us, or for purposes that are directly related to one of our functions or activities including to either renegotiate your residential home loan rate with your provider or obtain an alternate provider for your home loan, or as allowed under the law. 

We may also use your personal information for another purpose:

• where you have consented to that use (that consent may be written, verbal or implied from your conduct); or
• you would reasonably expect the information to be used or disclosed for a related secondary purpose.

For example, while the primary purpose we may use your personal information for is to help you obtain a better rate for your home loan, we may also use your personal information to keep in touch and revisit your loan from time to time to see if we can do better for you. You can always contact us using the details below if you don't want this to happen.

The law may also sometimes require us to disclose personal information, such as disclosure to a court where the information is subject to a subpoena.

This site is operated and maintained by Craggle. When visiting this site, a record of your visit is logged. The following information is recorded for statistical purposes and is used to help improve the site. The following information is supplied by your browser:

(a) the user's server address;

(b) the user's operating system (for example Windows, Mac etc);

(c) the user's top level domain name (for example .com, .gov, .au, .uk etc);

(d) the date and time of the visit to the site;

(e) the pages accessed and the documents downloaded;

(f) the previous site visited;

(g) the type of browser used.

No attempt will be made to identify users or their browsing activities except in the unlikely event of an investigation, where a law enforcement agency may exercise a warrant to inspect the Internet Service Provider's logs.

Email and online communications

When you e-mail us or submit your information, or use an online form, such as to enter one of our competitions:

(a) we will record your e-mail address and will only use it for the purpose for which you provided it or in accordance with this policy.

(b) your email address may be added to a mailing list unless you tell us not to do this.

(c) we will not disclose it without your consent unless required to do so by law.

Social Media

We may communicate with you via social media. If you post relevant feedback or pictures, we may decide that we would like to share the content with other social media users. No such content will be shared with other users before we have both requested and obtained your permission to share your post.

Cookies

We use cookies on our website unless you tell us not to. A cookie is a text string that is included with Hypertext Transfer Protocol (HTTP) requests and responses. Cookies are used to maintain state information as you navigate different pages on a web site or return to the web site at a later time. Cookies cannot be used to execute code (run programs) or deliver viruses to your computer.

Cookies are either stored in memory (session cookies) or placed on your hard disk (persistent cookies). When you visit our website we will ask you if you wish to disable cookies.

Consequences of not providing us with the information

If you do not provide some or all of the information requested by us, we may not be able to provide you with the service you would like to receive. We will also not be able to let you know about other services or events that you might be interested in.

Overseas disclosure

We do not disclose personal information to overseas recipients. If at some time in the future we have reason to disclose your personal information to an entity overseas, we would take reasonable steps prior to doing so, to ensure that the recipient to breach the privacy obligations relating to your personal information which apply under Australian law.

Accessing and updating your personal information

We will, at your request, provide you with access to the personal information we hold about you, subject to some exceptions permitted under the Privacy Act. We might decline to provide access to this information in circumstances such as where the request is frivolous or vexatious, or relates to anticipated legal proceedings. If for any reason we refuse to correct personal information we will provide you with our reasons for not correcting the information.

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

If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or complete.

If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate, we will correct the personal information. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.

Marketing material

From time to time we may use your personal information to provide you with current information about offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.

If you do not wish to receive this marketing information, you can make us aware at any time by writing to us at help@craggle.com.au. You may also use the unsubscribe function.

Doing business without identifying you

Usually it will be necessary for us to identify you in order to do business with you, however, we will enable you to do business with us without doing this where it is lawful and practicable to do so, for example, if you wish to make a general inquiry about our current promotional offers.

How do we protect your information?

We store information in different ways, including in paper and electronic form.

The security of your personal information is important to us and we take reasonable steps to protect it from misuse, interference or loss, and from unauthorised access, modification or disclosure. Some of the ways we do this include:

• confidentiality obligations we impose on our employees;
• document storage security policies;
• security measures for access to our systems;
• only providing access to personal information to a person who is verified to be able to receive that information;
• controlled access to our buildings;
• and electronic security systems, such as firewalls and data encryption

We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or to comply with any applicable legal or ethical reporting or document retention requirements.

We will also take reasonable steps to destroy or de-identify your personal information when your personal information is no longer required for our business purposes.

If you have concerns or seek further information

If you wish to have any concerns about how we have handled your personal information, please contact us as follows:

Privacy Officer

Craggle

Postal Address: Level 12, 171 Clarence St, Sydney NSW, 2000

Email: privacy@craggle.com.au

We will acknowledge your concern within seven days. We will provide you with a decision on the matters raised within 30 days.

If you are dissatisfied with the response you may make a complaint to the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992.

You may also request further information about the way we manage your personal information by contacting us.