Privacy

Introduction

At E-M-@-I-Loans and E-M-@-I-L-Homes the security, protection and confidentiality of your personal information is of paramount importance to us.

Your privacy is protected by the Privacy Act 1988 (Commonwealth).

E-M-@-I-Loans and E-M-@-I-L-Homes is bound by the Privacy Amendment (Private Sector) Act 2000) in particular the National Privacy Principles and the Business Guidelines section.

This privacy statement applies only to information collected through this web site and by representatives of E-M-@-I-Loans and E-M-@-I-L-Homes.

You can access any information we have collected about you by simply contacting us requesting details of this information.

To avoid bogus requests, we will verify your identity before releasing any information.

If after you've read this privacy statement you still have any concerns you feel have not been addressed, please contact us to discuss any such issues.

Information Collection

From you

E-M-@-I-Loans and E-M-@-I-L-Homes will only accept sensitive personal information ( such as bank account or credit card numbers, etc ) directly person to person.

We believe this is the safest method of obtaining (where necessary) any personal information which could conceivably be used for identity theft and fraud.

Any such information will only be used in the normal process of our business and stored securely ( off-line ) until no longer required.

In practice no system is absolutely secure and if we require detailed, sensitive information to, for example, process a loan application this would normally be obtained during a consultation.

This web site is not a secure site in the sense that, for example, on-line banking sites are, (no "s" after the "http" in the URL).

Please keep in mind that no method of transmission over the Internet, or method of electronic storage, is 100% secure.

Therefore, whilst we employ extraordinary means to protect your contact details, we cannot guarantee absolute security.

We follow generally accepted industry standards to protect less critical contact details such as email addresses and telephone numbers, etc submitted to us both during transmission and after we receive them.

You will not receive any unsolicited email or spam of any kind as a direct result of visiting our website or contacting us.

E-M-@-I-Loans and E-M-@-I-L-Homes will NEVER send you an email requesting sensitive information, asking you to "login" via a link in the email or in fact requiring any type of direct response from within the email itself.

If we require any confirmation from you, will contact you directly NOT by email.

Even if the email contains a sincere looking warning / advisory message something like

" for your safety, don't click on the link in this email, copy and paste it into your browser " DO NOT DO THIS, the email is bogus.

If you receive an email containing anything like the above which E-M-@-I-Loans and E-M-@-I-L-Homes, (these emails are an attempt at identity theft known as phishing), please let us know and report it as spam.

You can read more about email scams and phishing at hoax-slayer.com.

This Web site contains links to other sites that are not controlled by E-M-@-I-Loans and E-M-@-I-L-Homes and therefore please be aware that E-M-@-I-Loans and E-M-@-I-L-Homes is not responsible for the privacy practices of such other sites.

From your computer and I.S.P.

This web site uses cookies for the purpose of recognising return visitors, this is normal practice for most websites, ( a cookie is a small text file that is stored on a user’s computer for record-keeping purposes ).

When you visit the pages of this web site StatCounter.com ( a web site traffic logging service ) will attempt to place a cookie on your computer.

If the cookie already exists you are logged as a return visitor.

This cookie is detected as a tracking cookie by adware / spyware removal software simply because statcounter.com can place or read this cookie only when you visit our website. Cookies used this way are known as 3rd party tracking cookies, the 3rd party in this instance being statcounter.com.

If this concerns you, please read statcounter's privacy statement.

The following example shows the information that is logged by statcounter.

This information is referred to as "aggregate data" which means it is not unique and therefore does not identify individual users beyond a broad demographic grouping.

We use this aggregate data solely for the purpose of allowing us to analyse visitors' use of our website and ( hopefully ) improve our service to you.

No attempt is made to correlate this data to any identifiable visitor.

Please note this information is freely available, your computer has not been "hacked" nor has the integrity of it's networking security been violated in any way.

Note :- Region and City might also be specified, depends on your ISP's server.

Information Dispersement

E-M-@-I-Loans and E-M-@-I-L-Homes will not divulge any client or website visitor's details to any other party beyond what is required to conduct normal business activities.

Further, unless specifically required by law, we will never divulge any client's details without the client's knowledge or expectation.

We do not sell, trade or share any mailing or telephone lists with anyone.

Changes to this Privacy Statement

We reserve the right to modify this privacy statement at any time, so please review it frequently.

If we make material changes to this policy, we will notify you here, by means of a notice on our home page and other places we deem appropriate.