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Website Terms & Conditions of Use
The Cash Back Mortgage Broking website located at URL https://www.cashbackmortgagebroking.com.au is owned and operated by Cash Back Mortgage Broking ABN 30 857 754 040. By continuing to use this website you are agreeing to adhere to the following terms and conditions. If you do not agree with the terms and conditions please cease using this website immediately.
This website and the information it contains is intended for general educational purposes and is not intended to constitute specialist advice relevant to your personal circumstances, objectives or needs. It is your responsibility to ensure that any information, products or services available on this website are appropriate for you, as such please consider whether the information provided is relevant to your specific situation before taking any further action and do not reply a upon the information on this website to enter into any financial or legal commitments. We recommend you obtain advice from a qualified professional before you adopt an investment strategy.
Prior to making a decision about any specific financial product you should read the relevant PDS (Product Disclosure Statement) for that financial product and consider whether that product meets your individual needs before you proceed with that product. You can request a copy of a product PDS by phoning; the relevant lending institution, the mortgage broker referral partner you are referred to by us, or by contacting us on 1800 532 014 or by emailing firstname.lastname@example.org. These terms and conditions relate to the use of this website, for individual products and services described you are to refer to the warranty that is relevant to the specific product or service.
The contents of this website including these terms and conditions are subject to change at any time and without notice. Cash Back Mortgage Broking does not provide any guarantee regarding the accuracy, completeness or suitability of the information contained on this website for any specific purpose. By continuing to use this website you acknowledge that the content may contain errors or mistakes and we expressly exclude any liability for such to the fullest extent permissible by law. Neither we nor any third parties provide any warranty or guarantee as to the accuracy of the information on this website. More specifically, any interest rates or cash back amounts mentioned on this website must be used as a guide only. Trailing commission cash back amounts must be confrimed with the cash back mortgage broker we refer you to. Whilst we make every effort to update any interest rates advertised on this website in a timely manner, there may be a delay between when the lender changes their rates and when we update our website. Additionally the home finance product with the lowest advertised rate may not be suitable for your circumstances and/or you may not qualify for that product.
In order to provide general information, education and entertainment this website may include links to other websites that are not controlled by us, by using this website you acknowledge that we do not recommend those websites we provide links to and as we cannot be sure of the content of those websites, should you choose to click on those links you do so at your own risk. Cookies are used on this website to monitor browsing preferences and provide a better user experience. If you allow cookies to be used, the following personal information may be kept by us and used by third parties; your name, phone number, email address, the type of browser you are using, details of your internet service provider and the type of operating system you are using.
What personal information do we collect and hold?
The types of information that we collect and hold about you could include:
• ID information such as your name, postal or email address, telephone numbers, and any information you choose to send us with your initial enquiry;
• other contact details such as social media handles;
• other information we think is necessary.
What do we collect via your website activity?
If you’re an internet customer of ours, we monitor your use of internet services to ensure we can verify you and can receive information from us, and to identify ways we can improve our services for you.
If you start but don’t submit an on-line contact request, we can contact you using any of the contact details you’ve supplied to offer help completing it.
We also know that some customers like to engage with us through social media channels. We may collect information about you when you interact with us through these channels. However, for all confidential matters, we’ll ensure we interact with you via a secure forum.
To improve our services and products, we sometimes collect de-identified information from web users. That information could include IP addresses or geographical information to ensure your use of our web applications is secure.
How do we collect your personal information?
How we collect and hold your information:
Unless it’s unreasonable or impracticable, we will try to collect personal information directly from you (referred to as ‘solicited information’). For this reason, it’s important that you help us to do this and keep your contact details up-to-date.
There are a number of ways in which we may seek information from you. We might collect your information when you fill out a form with us, when you’ve given us a call or used our website. We also find using electronic means, such as email or SMS, a convenient way to communicate with you and to verify your details.
How we collect your information from other sources;
Sometimes, we will collect information about you from other sources as the Privacy Act 1988 permits. We will do this only if it’s reasonably necessary to do so, for example, where:
• we collect information from third parties about the loan made available to you arising out of the services we provide you;
• we can’t get hold of you and we rely on public information (for example, from public registers or social media) or made available by third parties) to update your contact details; or
• we exchange information with your legal or financial advisers or other representatives.
What if you don’t want to provide us with your personal information?
If you don’t provide your information to us, it may not be possible:
• for us to refer you to one of our mortgage broker referral partners for them to assist in finding a loan relevant to your circumstances; or
• verify your identity or protect against fraud.
What do we do when we get information we didn’t ask for?
Sometimes, people share information with us we haven’t sought out (referred to as ‘unsolicited information’). Where we receive unsolicited personal information about you, we will check whether that information is reasonably necessary for our functions or activities. If it is, we’ll handle this information the same way we do with other information we seek from you. If not, we’ll ensure we do the right thing and destroy or de-identify it.
When will we notify you that we have received your information?
When we receive personal information from you directly, we’ll take reasonable steps to notify you how and why we collected your information, who we may disclose it to and outline how you can access it, seek correction of it or make a complaint.
Sometimes we collect your personal information from third parties. You may not be aware that we have done so. If we collect information that can be used to identify you, we will take reasonable steps to notify you of that collection.
However, we’ll never ask you for your security details in this way – if you are ever unsure, just contact us.
How do we take care of your personal 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 and loss, and from unauthorised access, modification or disclosure. Some of the ways we do this are:
• document storage security policies;
• security measures for access to our systems; and
• only giving access to personal information to a person who is verified to be able to receive that information
We may store personal information physically or electronically with third party data storage providers. Where we do this, we use contractual arrangements to ensure those providers take appropriate measures to protect that information and restrict the uses to which they can put that information.
What happens when we no longer need your information?
We’ll only keep your information for as long as we require it for our purposes. We may be required to keep some of your information for certain periods of time under law. When we no longer require your information, we’ll ensure that your information is destroyed or de-identified.
How we use your personal information:
What are the main reasons we collect, hold and use your information?
Collecting your personal information allows us to provide you with the products and services you’ve asked for. This means we can use your information to:
• refer you to one of our mortgage broker referral partners
• administer services we provide, for example, to answer requests or deal with complaints; and
• administer payments we receive, or any payments we make, relating to your loan.
Can we use your information for marketing our products and services?
We may use or disclose your personal information to let you know about other products or services we or a third party make available and that may be of interest to you.
We will always let you know that you can opt out from receiving marketing offers.
With your consent, we may disclose your personal information to third parties for the purpose of connecting you with other businesses or customers. You can ask us not to do this at any time. We won’t sell your personal information to any organisation.
Yes, You Can Opt-Out
You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable.
What are the other ways we use your information?
We’ve just told you some of the main reasons why we collect your information, so here’s some more insight into the ways we use your personal information including:
• telling you about other products or services we make available and that may be of interest to you, unless you tell us not to;
• identifying opportunities to improve our service to you and improving our service to you;
• allowing us to run our business efficiently and perform general administrative tasks;
• preventing any fraud or crime or any suspected fraud or crime;
• as required by law, regulation or codes binding us; and
• any purpose to which you have consented.
Who do we share your personal information with?
To make sure we can meet your specific needs and for the purposes described in ‘How we use your personal information’, we sometimes need to share your personal information with others. We may share your information with other organisations for any purposes for which we use your information.
Sharing Your Information;
We may use and share your information with other organisations for any purpose described above.
Sharing with your representatives and referees
We may share your information with:
• your representative or any person acting on your behalf (for example, lawyers, settlement agents, accountants or real estate agents); and
• your referees, like your employer, to confirm details about you.
Sharing with third parties;
We may share your information with third parties in relation to services we provide to you. Those third parties may include:
• the mortgage broker referral partner we referred you to;
• referrers that referred your business to us;
• organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other misconduct;
• government or regulatory bodies (including ASIC and the Australian Taxation Office) as required or authorised by law. In some instances, these bodies may share the information with relevant foreign authorities;
• service providers, agents, contractors and advisers that assist us to conduct our business for purposes including, without limitation, storing or analysing information;
• any organisation that wishes to take an interest in our business or assets; and
• any third party to which you consent to us sharing your information.
Sharing outside of Australia;
We may disclose your information to organisations overseas, including service providers located in the United States of America. This may also include storing your information in cloud or other types of networked or electronic storage. As electronic or networked storage can be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held.
How do you access your personal information?
How you can generally access your information;
We‘ll always give you access to your personal information unless there are certain legal reasons why we can’t. You can ask us in writing to access your personal information that we hold. In some cases we may be able to deal with your request over the phone.
We will give you access to your information in the form you want it where it’s reasonable and practical. We may charge you a small fee to cover our costs when giving you access, but we’ll always check with you first.
We’re not always required to give you access to your personal information. Some of the situations where we don’t have to give you access include when:
• we believe there is a threat to life or public safety;
• there is an unreasonable impact on other individuals;
• the request is frivolous;
• the information wouldn’t be ordinarily accessible because of legal proceedings;
• it would prejudice negotiations with you;
• it would be unlawful;
• it would jeopardise taking action against serious misconduct by you;
• it would be likely to harm the activities of an enforcement body (e.g. the police); or
• it would harm the confidentiality of our commercial information.
If we can’t provide your information in the way you’ve requested, we will tell you why in writing. If you have concerns, you can complain. See ‘Contact Us’.
How do you correct your personal information?
How we correct your information;
Contact us if you think there is something wrong with the information we hold about you and we’ll try to correct it if it’s:
• irrelevant; or
If you are worried that we have given incorrect information to others, you can ask us to tell them about the correction. We’ll try and help where we can - if we can’t, then we’ll let you know in writing.
Time frame for correcting information;
If we agree to correct your information, we’ll do so within 30 days from when you asked us, or a longer period that’s been agreed by you.
If we can’t make corrections within a 30 day time frame or the agreed time frame, we must:
• let you know about the delay, the reasons for it and when we expect to resolve the matter;
• ask you to agree in writing to give us more time; and
• let you know you can complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner.
How do you make a complaint?
How do you generally make a complaint?
If you have a complaint about how we handle your personal information, we want to hear from you. You are always welcome to contact us here.
We are committed to resolving your complaint and doing the right thing by our customers. Most complaints are resolved quickly, and you should hear from us within five business days.
Need more help?
If you still feel your issue hasn't been resolved to your satisfaction, then you can raise your concern with the Office of the Australian Information Commissioner:
• Online: www.oaic.gov.au/privacy
• Phone: 1300 363 992
• Email: email@example.com
• Fax: +61 2 9284 9666
• Mail: GPO Box 5218 Sydney NSW 2001 or GPO Box 2999 Canberra ACT 2601
What additional things do we have to do to manage your complaints about credit information?
If your complaint relates to how we handled your access and correction requests
You may take your complaint directly to our external dispute resolution scheme or the Office of the Australian Information Commissioner. You are not required to let us try to fix it first.
For all other complaints relating to credit information
If you make a complaint about things (other than an access request or correction request) in relation to your credit information, we will let you know how we will deal with it within seven days.
Ask for more time if we can’t fix things in 30 days
If we can’t fix things within 30 days, we’ll let you know why and how long we think it will take. We will also ask you for an extension of time to fix the matter. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner.
Letting you know about our decision;
We’ll let you know about our decision within 30 days or any longer agreed time frame. If you have any concerns, you may complain to our external dispute resolution scheme or the Office of the Australian Information Commissioner.
What if you want to interact with us anonymously or use a pseudonym?
If you have general enquiry type questions, you can choose to do this anonymously or use a pseudonym. We might not always be able to interact with you this way, however, as we are often governed by regulations that require us to know who we’re dealing with. In general, we won’t be able to deal with you anonymously or where you are using a pseudonym when:
• it is impracticable; or
• we are required or authorised by law or a court/tribunal order to deal with you personally.
What do we do with government-related identifiers?
In certain circumstances we may be required to collect government-related identifiers such as your tax file number. We will not use or disclose this information unless we are authorised by law.