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Halal Mortgage Australia

Privacy Policy

How we collect, use, and protect your personal information.

Effective date: [DATE]

1. Introduction

Halal Mortgage Australia (ABN [PLACEHOLDER: Insert ABN]) operates the website halalmortgageaustralia.com.au. We are a referral and information service that connects enquirers with licensed mortgage brokers who specialise in Sharia-compliant finance.

We are committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This policy explains what personal information we collect, why we collect it, who we share it with, and how you can access, correct, or complain about the handling of your information.

2. Information We Collect

We collect personal information that you provide directly to us through our website contact and enquiry forms. This may include:

  • Your full name
  • Phone number
  • Email address
  • The type of service you are interested in (e.g. halal home loan, refinancing)
  • Any additional information you include in your message

We may also collect technical information automatically when you visit our website, including:

  • Your IP address
  • Browser type and version
  • Pages visited and time spent on our site
  • Referring website address

This technical information is collected by our hosting provider (Cloudflare) through standard server logs. It is used for website security and performance purposes and is not linked to your personal identity.

3. How and Why We Collect Your Information

We collect your personal information for the following purposes:

  • To respond to your enquiry — When you submit a form, we use your details to contact you about your enquiry.
  • To connect you with licensed mortgage brokers — As a referral service, our core function is to share your enquiry details with one or more licensed mortgage brokers from our network who can assist with your needs.
  • To improve our website — We use technical data to maintain, protect, and improve our website performance and user experience.
  • To comply with legal obligations — We may retain and use your information as required by law.

We only collect information that is reasonably necessary for these purposes. If you choose not to provide certain information, we may not be able to process your enquiry or connect you with a suitable broker.

4. Who We Share Your Information With

This is important: As a referral service, sharing your enquiry details with licensed third parties is central to how we operate. When you submit an enquiry, your personal information may be shared with:

  • Licensed mortgage brokers and lenders — Your enquiry details (name, phone, email, service interest, and message) may be shared with one or more licensed mortgage brokers from our network who specialise in Islamic finance. These brokers hold their own Australian Credit Licence (ACL) and are independently responsible for how they handle your information.
  • Formspree (form processing service) — Our enquiry forms are processed by Formspree, a US-based service. See Section 5 (Overseas Disclosure) below for details.
  • Professional advisers — We may share information with our legal, accounting, or other professional advisers where necessary.
  • Regulatory bodies and law enforcement — We may disclose information where required or authorised by Australian law, including to the Office of the Australian Information Commissioner (OAIC).

We do not sell your personal information to third parties. We do not share your information for marketing purposes unrelated to your enquiry.

5. Overseas Disclosure (APP 8)

When you submit an enquiry through our website, your form data is processed and stored by Formspree, which operates servers in the United States.

Under Australian Privacy Principle 8, we are required to inform you when your personal information is disclosed to overseas recipients. By submitting an enquiry form on our website, you acknowledge that your personal information will be transferred to and stored in the United States by our form processing provider.

Formspree maintains security measures to protect data. However, the United States may not have privacy laws equivalent to Australia's. We take reasonable steps to ensure that overseas recipients handle your information consistently with the APPs.

6. Data Storage and Security

Our website is hosted and delivered via Cloudflare, which provides security features including DDoS protection and SSL/TLS encryption.

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure. These measures include:

  • SSL/TLS encryption for all data transmitted through our website
  • Secure form processing through Formspree
  • Restricting access to personal information to authorised personnel only

We retain your personal information for as long as reasonably necessary to fulfil the purposes for which it was collected, or as required by law. When your information is no longer needed, we will take reasonable steps to destroy or de-identify it.

7. Your Rights (APP 12 and APP 13)

Under the Australian Privacy Principles, you have the right to:

  • Access your personal information — You can request a copy of the personal information we hold about you.
  • Request correction — If you believe information we hold about you is inaccurate, incomplete, or out of date, you can ask us to correct it.
  • Request deletion — You can ask us to delete your personal information, subject to any legal obligations we have to retain it.
  • Opt out of future communications — You can ask us not to contact you or to stop sharing your information with brokers.

To exercise any of these rights, contact us using the details in Section 10 below. We will respond to your request within 30 days. There is no charge for making a request or for us to correct your information.

8. Cookies and Tracking

We do not currently use analytics cookies or third-party tracking scripts on our website.

Our hosting provider, Cloudflare, may set essential cookies required for website security and performance (such as bot detection). These cookies are necessary for the operation of the website and cannot be disabled.

If we introduce analytics or tracking tools in the future, we will update this policy and implement consent mechanisms where required by law.

9. Complaints

If you believe we have breached the Australian Privacy Principles or mishandled your personal information, you can lodge a complaint with us using the contact details in Section 10.

We will acknowledge your complaint within 7 days and aim to resolve it within 30 days. We will keep you informed of the progress and outcome of your complaint.

If you are not satisfied with our response, you have the right to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). The OAIC can be contacted at:

  • Online: www.oaic.gov.au
  • Phone: 1300 363 992
  • Post: GPO Box 5218, Sydney NSW 2001

10. Marketing Communications and the Spam Act 2003

We comply with the Spam Act 2003 (Cth). We will not send you unsolicited commercial electronic messages without your consent.

If you receive any marketing communications from us, they will:

  • Clearly identify Halal Mortgage Australia as the sender
  • Include accurate contact information
  • Contain a functional unsubscribe mechanism

You can unsubscribe from marketing communications at any time by using the unsubscribe link in the message or by contacting us directly. We will action your request within 5 business days.

11. Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the effective date at the top of this page. We encourage you to review this page periodically. Continued use of our website after changes are posted constitutes your acceptance of the updated policy.

12. Contact Us

If you have any questions about this privacy policy, wish to exercise your privacy rights, or want to make a complaint, please contact us:

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