Privacy Policy:

Urbantech Group Pty Ltd [ACN: 102 789 033] trading as Xpress Home Loans ("Xpress Home Loans") operates xpresshomeloans.com.au and may operate other websites. It is Xpress Home Loan's policy to respect your privacy regarding any information we may collect while operating our websites.

Website Visitors

Like most website operators, Xpress Home Loans collects non-personally-identifying information of the sort that web browsers and servers typically make available, such as the browser type, language preference, referring site, and the date and time of each visitor request. Xpress Home Loan's purpose in collecting non-personally identifying information is to better understand how Xpress Home Loan's visitors use its website. From time to time, Xpress Home Loans may release non-personally-identifying information in the aggregate, e.g., by publishing a report on trends in the usage of its website.

Xpress Home Loans also collects potentially personally-identifying information like Internet Protocol (IP) addresses for logged in users and for users leaving comments on xpresshomeloans.com.au blogs/sites. Xpress Home Loans only discloses logged in user and commenter IP addresses under the same circumstances that it uses and discloses personally-identifying information as described below, except that commenter IP addresses and email addresses are visible and disclosed to the administrators of the blog/site where the comment was left.

Gathering of Personally-Identifying Information

Certain visitors to Xpress Home Loan's websites choose to interact with Xpress Home Loans in ways that require Xpress Home Loans to gather personally-identifying information. The amount and type of information that Xpress Home Loans gathers depends on the nature of the interaction. For example, we ask visitors who sign up at xpresshomeloans.com.au to provide a username and email address. Those who engage in transactions with Xpress Home Loans are asked to provide additional information, including as necessary the personal and financial information required to process those transactions. In each case, Xpress Home Loans collects such information only insofar as is necessary or appropriate to fulfill the purpose of the visitor's interaction with Xpress Home Loans. Xpress Home Loans does not disclose personally-identifying information other than as described below. And visitors can always refuse to supply personally-identifying information, with the caveat that it may prevent them from engaging in certain website-related activities.

Aggregated Statistics

Xpress Home Loans may collect statistics about the behavior of visitors to its websites. Xpress Home Loans may display this information publicly or provide it to others. However, Xpress Home Loans does not disclose personally-identifying information other than as described below.

Protection of Certain Personally-Identifying Information

Xpress Home Loans discloses potentially personally-identifying and personally-identifying information only to those of its employees, contractors and affiliated organizations that (i) need to know that information in order to process it on Xpress Home Loan's behalf or to provide services available at Xpress Home Loan's websites, and (ii) that have agreed not to disclose it to others. Some of those employees, contractors and affiliated organizations may be located outside of your home country; by using Xpress Home Loan's websites, you consent to the transfer of such information to them. Xpress Home Loans will not rent or sell potentially personally-identifying and personally-identifying information to anyone. Other than to its employees, contractors and affiliated organizations, as described above, Xpress Home Loans discloses potentially personally-identifying and personally-identifying information only in response to a subpoena, court order or other governmental request, or when Xpress Home Loans believes in good faith that disclosure is reasonably necessary to protect the property or rights of Xpress Home Loans, third parties or the public at large. If you are a registered user of an Xpress Home Loans website and have supplied your email address, Xpress Home Loans may occasionally send you an email to tell you about new features, solicit your feedback, or just keep you up to date with what's going on with Xpress Home Loans and our products. If you send us a request (for example via email or via one of our feedback mechanisms), we reserve the right to publish it in order to help us clarify or respond to your request or to help us support other users. Xpress Home Loans takes all measures reasonably necessary to protect against the unauthorized access, use, alteration or destruction of potentially personally-identifying and personally-identifying information.

Cookies

A cookie is a string of information that a website stores on a visitor's computer, and that the visitor's browser provides to the website each time the visitor returns. Xpress Home Loans uses cookies to help Xpress Home Loans identify and track visitors, their usage of Xpress Home Loans website, and their website access preferences. Xpress Home Loans visitors who do not wish to have cookies placed on their computers should set their browsers to refuse cookies before using Xpress Home Loan's websites, with the drawback that certain features of Xpress Home Loan's websites may not function properly without the aid of cookies.

Business Transfers

If Xpress Home Loans, or substantially all of its assets, were acquired, or in the unlikely event that Xpress Home Loans goes out of business or enters bankruptcy, user information would be one of the assets that is transferred or acquired by a third party. You acknowledge that such transfers may occur, and that any acquirer of Xpress Home Loans may continue to use your personal information as set forth in this policy.

Ads

Ads appearing on any of our websites may be delivered to users by advertising partners, who may set cookies. These cookies allow the ad server to recognize your computer each time they send you an online advertisement to compile information about you or others who use your computer. This information allows ad networks to, among other things, deliver targeted advertisements that they believe will be of most interest to you. This Privacy Policy covers the use of cookies by Xpress Home Loans and does not cover the use of cookies by any advertisers.

Privacy Policy Changes

Although most changes are likely to be minor, Xpress Home Loans may change its Privacy Policy from time to time, and in Xpress Home Loan's sole discretion. Xpress Home Loans encourages visitors to frequently check this page for any changes to its Privacy Policy. If you have a xpresshomeloans.com.au account, you might also receive an alert informing you of these changes. Your continued use of this site after any change in this Privacy Policy will constitute your acceptance of such change.