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MyRate Web Policy

1.1 About this Website Policy

This website policy applies to this website, which is operated on behalf of MyRate Pty Ltd ACN 119 565 150 and its related bodies corporate (we, us and our).

We are committed to protecting your privacy.

This policy explains how your personal information will be treated as you access and interact with this website.

Our website privacy policy may change from time to time.

1.2 Collection and use of information

We may collect personal information from you directly or via your use of our services. We will only collect personal information which is reasonably necessary for, or directly related to, our functions or activities.

1.3 Sensitive information

Sensitive information is any information about a person's racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.

We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it will also be captured and stored.

1.4 Information from third parties

Our website also contains links to the websites of third party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third Party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.

1.5 Advertising and tracking

When you view our advertisements on a Third Party website, the advertising company uses 'cookies' and in some cases 'web beacons' to collect information such as:

  • the server your computer is logged onto;
  • your browser type;
  • the date and time of your visit; and
  • the performance of their marketing efforts.

When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (eg which pages you view) and whether you complete an online application.

1.6 Cookies

We use 'cookies' to provide you with better and more customised service and with a more effective website.

A 'cookie' is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

We use cookies for different purposes such as:

  • to allocate a unique number to your internet browsers;
  • to customise our website for you;
  • for statistical purposes;
  • to identify if you have accessed a Third Party Website; and
  • for security purposes.

1.7 IP addresses

Your IP address is the identifier for your computer when you are using the internet.

It may be necessary for us to collect your IP address for your interaction with various parts of our website.

1.8 Online applications

When you send a completed online application to us, we retain the information contained in that application. We are able to then use that information to provide any financial services that you require.

You can also suspend and save online applications, so you can complete and send the applications at a later time. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.

1.9 Security of information

The security of your information is very important to us.

We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure.

If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).

1.10 Direct marketing

We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.

We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may submit a request via enquiries@myrate.com.au. We will respond to your request as soon as practicable.

1.11 Disclosure to overseas entities

We do not generally disclose personal information obtained from cookies to overseas entities in the course of our activities but we do work with entities that may be located overseas and as such, this information may be shared with them.

Please contact us on enquiries@myrate.com.au if you would like further information.

About MyRate

MyRate is an online residential home loan provider based in Sydney. Our loans are securely funded by multiple banking institutions. MyRate works with Firstfolio Limited as our Mortgage Manager. Our Funder and our Mortgage Manager together are considered our financier.

MyRate obtains home loan products at wholesale rates from our financier and then markets that range of products to you under the MyRate brand. Because of the volume of loans we originate, we are able to obtain competitive wholesale rates from our financier and then pass on those savings to consumers.

MyRate is here to bring transparency, flexibility and efficiency to a complex home loan process.
At MyRate we strive to simplify the home loan application process. Whether you are a remote worker, a 9-to-5 office employee or a full-time mother, we are just a phone call or email away. Apply online or Enquire now to get started!

Some of our awards

2013 MyRate Best Variable Home Loan Provider
2013
Best Variable Home Loan Provider
Global Banking & Finance Review Awards
2013 MyRate Best Fixed Rate Home Loan
2013: Gold Medal
Best Fixed Rate Home Loans (overall)
Australian Home Loan Awards
2013 MyRate Best Speed of Approval Non-Bank
2013: Gold Medal
Best Speed of Approval Non-Bank
Australian Home Loan Awards
2012 MyRate Best Loan for Investors
2012: Gold Medal
Best Loan for Investors
Mortgage of the Year Awards

Contact us

General enquiries
1300 663 558
+612 8061 8195 (from overseas)
9:00am – 5:30pm, Monday - Friday, AEST
enquiries@myrate.com.au
Telephone banking/Lost or stolen cards
131 455
+612 9028 4172 (from overseas)
Fax
02 8572 5328
Address
Suite 901, level 9
447 Kent Street
Sydney, NSW, 2000
Australia
ABN 19 119 565 150
Australian Credit Licence 389058
Dispute Resolution
MyRate operates an Internal Dispute Resolution (IDR) process. View our IDR Procedure.
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