Last Updated: 09/10/2024
At Rate Challenge, we take your privacy seriously and are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your personal data in accordance with the Privacy Act 1988 (Cth) and other relevant legislation.
1. Information We Collect
We may collect personal information when you interact with our services, such as:
- Personal Details: Name, email address, phone number, and mailing address.
- Financial Information: Loan details, credit score, income details, and other financial data to assist with interest rate comparisons and refinancing options.
- Usage Data: Information on how you use our website, including your IP address, browser type, device information, and browsing habits through cookies and analytics tools.
2. How We Use Your Information
We collect and use your personal data to:
- Provide you with personalized interest rate comparisons and refinancing services.
- Respond to your inquiries and customer support requests.
- Process your applications for loans or refinancing options.
- Improve our website, services, and customer experience.
- Send you updates, offers, and promotional materials (with your consent).
- Ensure compliance with legal obligations and industry regulations.
3. Disclosure of Your Information
We may disclose your personal information to:
- Lenders and Financial Institutions: To help facilitate loan applications and interest rate comparisons.
- Service Providers: Third-party partners who assist with our website, marketing, or analytics, who are bound to protect your data.
- Legal and Regulatory Authorities: When required to comply with legal obligations or protect our rights.
We do not sell or share your personal information with third parties for their marketing purposes without your explicit consent.
4. Data Security
We take appropriate technical and organizational measures to protect your personal information from unauthorized access, alteration, or disclosure. Our website uses encryption and secure servers to ensure your data is kept safe. However, no online transmission is completely secure, and we cannot guarantee absolute security.
5. Cookies
Our website uses cookies to improve your experience and track site usage. You can manage your cookie preferences through your browser settings, but disabling cookies may affect the functionality of our site.
6. Your Rights
You have the right to:
- Access, update, or correct your personal information.
- Request the deletion of your personal data, subject to certain legal exceptions.
- Opt-out of marketing communications at any time.
- Withdraw your consent for data collection where applicable.
To exercise any of these rights, please contact us at [Insert Contact Details].
7. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites, and we encourage you to review their privacy policies.
8. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page, and we encourage you to review it regularly. Your continued use of our website or services following changes indicates your acceptance of the updated policy.
9. Contact Us
If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us at:
Rate Challenge
Email: admin@ratechallenge.com
Phone: to be updated