This is the privacy policy statement for Home Loan Finance Online and Clark Family Pty Ltd in relation to this website.
We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose, and protect your personal information when you use our website and related services.
Information We Collect and How It is Used
To process your financial services referral request, Home Loan Finance Online may collect your name, phone number, email address, postcode, and other details relevant to the type of service you are requesting.
This information is used to match you with a suitable financial services provider or lender. Home Loan Finance Online, on behalf of Clark Family Pty Ltd, provides this information to one (and only one) of our trusted network of third-party partners (brokers, lenders, and insurers) so that they can contact you directly and provide the services you have requested.
We may also receive information from our broker, insurer, and lender partners, including updates or outcomes of your application, via secure electronic systems or APIs. This information is used solely for customer service, quality assurance, and compliance reporting.
If you do not provide the personal information we request, we may not be able to assist you with your referral or process your inquiry.
Disclosure of Personal Information
We may disclose your personal information to third-party providers, brokers, lenders, or service partners, some of whom may be located outside Australia. Where this occurs, we will take reasonable steps to ensure that these recipients handle your information in accordance with the APPs and maintain confidentiality and data security.
We require all third-party partners to comply with strict privacy and confidentiality obligations and to use your personal information only for the purpose of responding to your inquiry or providing the services you have requested.
Please note: Once you are referred to a third-party provider, their own privacy policy and terms will apply to any information you provide directly to them.
Cookies and Tracking Technologies
Home Loan Finance Online uses cookies to record session information and understand visitor interactions, including which pages are viewed. Cookies help us enhance system performance, improve user experience, and avoid showing you the same promotional material repeatedly.
We may also use third-party advertising or analytics services that employ cookies, pixels, or web beacons to measure ad performance and deliver relevant content. These partners may collect anonymous information about your visits to this and other websites.
By continuing to use our website, you consent to our use of cookies, including those from third-party providers, for analytics and marketing purposes.
Access and Correction of Personal Information
You may request access to the personal information we hold about you at any time. We will not charge any fee for making a request but may charge you reasonable costs incurred in providing access (e.g., photocopying or postage).
You may also request correction of your personal information if you believe it is inaccurate, out of date, incomplete, or misleading. We will respond to all access and correction requests within a reasonable timeframe.
To make a request, please contact us. We may ask you to submit your request in writing for security reasons.
Complaints and Dispute Resolution
If you have any concerns about how your personal information has been handled, please contact us so that we can investigate and resolve your concern promptly.
If you are not satisfied with our response, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC):
We regularly review and update our privacy policy to ensure ongoing compliance with applicable laws and best practices. Updates will be published on this page with the latest revision date.
Contact Us
If you have any questions about this privacy statement, how we handle your information, or your dealings with this website, please contact us.
FOLLOW US
Follow us!
We are a proud member of the Financial Services Online network!
Connect with us on your favourite social media platform for the latest financial news, views, tips, tricks, resources and information.
Refinancing a home loan is a process many Australian homeowners consider at some point. But what exactly does it mean? In simple terms, refinancing involves replacing your existing mortgage with a new one—usually with different terms. Homeowners often look into refinancing for several reasons, whether it’s to secure a lower interest rate, consolidate debts, or switch from a fixed to a variable rate (or vice versa). - read more
When embarking on the journey of homeownership, many Australians find themselves navigating the complex world of home loans. On the surface, the mortgage process might seem straightforward. You find a home, secure a loan, and make payments until it’s fully paid off. However, the reality is more intricate, involving various fees and charges that can quickly add up. - read more
When you're in the market for a new home, finding the right loan can save you thousands of dollars over the life of the mortgage. Comparing home loans is crucial for Australian buyers looking to secure the best possible deal. With various options available, understanding the finer details can make a significant difference in your financial journey. - read more
For many Australian consumers, buying a property is one of the most significant financial decisions they'll make. Navigating the home loan landscape effectively is crucial to easing the journey toward property ownership. - read more
Westpac Banking Corporation has reported a slight decrease in its annual profit, recording A$6.99 billion for the fiscal year ending September 30, 2025, down from A$7.11 billion the previous year. Despite this decline, the result surpassed analysts' expectations of A$6.83 billion. The bank attributes this dip to intensified competition within Australia's mortgage market and a marginal reduction in its net interest margin, which fell by 1 basis point to 1.94%. - read more
The Reserve Bank of Australia (RBA) has decided to keep the official cash rate unchanged at 3.60% during its November meeting. This decision reflects the central bank's cautious approach in balancing inflation control with economic stability. Recent data indicates that the headline consumer price index (CPI) rose to 3.2% in September 2025, up from 2.1% in the June quarter, signaling persistent inflationary pressures. - read more
In a significant development for the motorcycle industry, KTM AG has successfully secured €600 million in funding, enabling the company to fulfill its restructuring plan and stabilize its financial position. This funding comes at a crucial time, as KTM faced a severe financial crisis that led to self-administration and a comprehensive restructuring process. - read more
Peter Stevens Motorcycles, a cornerstone of the Australian motorcycle retail industry, has entered voluntary administration, casting uncertainty over the future of the company and its approximately 400 employees. Founded in 1970 by the Chiodo family, the retailer expanded to 15 locations across Victoria, South Australia, New South Wales, and Western Australia, representing major brands such as Harley-Davidson, Ducati, and Triumph. - read more
Debt Consolidation: Debt consolidation usually involves negotiating a new loan to pay other existing loans in order to get more favourable interest rates and terms.
