North West Group Holdings Limited (trading as Smarter Loans) is committed to protecting your personal information.

We have created this Privacy Policy to help you understand how and why we collect information from you, how we store it, how you can access and correct that information and when we might disclose information to other people.

This Privacy Policy does not limit or exclude your rights under the Privacy Act 2020.

Application of this Privacy Policy

This Privacy Policy applies to all instances where we collect information about you.

Consent to the collection of your personal information

By accessing the North West Group Holdings Limited (trading as Smarter Loans) website (Website), contacting North West Group Holdings Limited (trading as Smarter Loans) and/or using the services (Services) offered by North West Group Holdings Limited (trading as Smarter Loans), you consent to the collection, use, disclosure, storage and processing of your personal information in accordance with this Privacy Policy.

Collection of your personal information

Here at North West Group Holdings Limited (trading as Smarter Loans) we will collect personal information submitted by you through the Website, information on your browsing activity when using the Website, any communication with North West Group Holdings Limited (trading as Smarter Loans) directly via writing, phone or email and information obtained through your use of the Services. We may supplement the information you provide us with information we receive from third parties.

Personal information we may collect

We may, in addition to other information, collect the following general information (General Information) about you:

• Your name, email address, residential address (city and postcode), telephone number, your bank, your adviser (if you have one)
• Preference information such as a favourite list, transaction history and marketing preferences.
• Information about your borrowing and repayment
• Information that you provide to us when we communicate via writing, email or phone.
• Details of your browser, domain name and IP address, and the details of any website you linked from to the Website.
• Information obtained from third parties in accordance with this Privacy Policy.
• Other additional information required from time to time.

In addition to the General Information outlined above, we may collect additional information such as how many affiliate / referrals sales you have made through third party tracking systems .

If you choose not to provide information when we ask for it, you may not be able to utilise the Website or the services offered by North West Group Holdings Limited (trading as Smarter Loans).

Use of your personal information

The information that we collect from you (whether General Information or Financial Information) may be used for a number of purposes relating to our business, which include:

• To populate the calculator
• To manage the goal progressions and rewards
• To satisfy our obligations arising from any contracts entered into between you and us.
• Provide you with information about us, products and services and new investment opportunities that we think may be of interest to you such as Mortgage advisory offers.
• To allow third parties with whom we have a business relationship (Business Partners such as
  Mortgage advisers and Insurance advisers ) to provide you with relevant information about your investment property.
• To monitor, improve and administer the Website.
• Responding and following up on any queries, complaints or requests you might have made, and other customer care issues.
• Enable us to conduct surveys and analyse information pertaining to users of the Services and Website.
• To enable us to comply with our legal and regulatory obligations

Protecting your personal information

We will take reasonable steps to ensure that the personal information that we collect, use or disclose is accurate, complete, up-to-date and stored in a secure environment protected from unauthorised access, modification or disclosure.

Retention of your personal information

We at North West Group Holdings Limited (trading as Smarter Loans) will hold your personal information both before and after the cancellation of your account, but only for so long as we are lawfully entitled to do so.

Sharing your personal information

We will keep confidential all personal information collected about you. The only exceptions to this are:

• The disclosure relates to the purpose for which the information was collected.
• You have provided us with express consent to disclose your personal information.
• We may disclose certain personal information about you to third-party service-providers in the course of their provision of services us. We will take reasonable steps to ensure that these service-providers are obligated to keep confidential any of your personal information that they receive and use.
• We may disclose or trade your General Information to our Business Partners in order to allow those Business Partners to provide you with information about products, services and other opportunities that they think may be of interest to you. Your Financial Information will not be disclosed to Business Partners or third parties for this purpose.
• Any person or organisation authorised by the Privacy Act 1993.
• Persons or organisations to whom we may be required to pass your personal information for the purposes of complying with any legal, governmental or regulatory requirement on us or in connection with legal proceedings, crime or fraud prevention, detection or prosecution.
• In the event that we intend to enter into a major corporate transaction such as a sale of assets or control or we list on a stock exchange, we may disclose your personal information to third parties. If we disclose your personal information, we will take reasonable steps to ensure it remains confidential.

Use of Cookies

We may set and access Cookies on your computer. “Cookies” are text files placed on your computer for the purpose of collecting non-personal visitor behaviour information and information about your operating system, domain name and IP address. The information collected is anonymous and is used for the purpose of understanding how you use the Website to enable us to enhance your online experience.

You can choose to enable or disable Cookies in your web browser. By default, your browser will accept Cookies, however this can be altered. In addition, you may delete Cookies that have already been placed on your hard drive. For further details please consult the help menu in your browser. Disabling or deleting Cookies may prevent you from using the full range of services available on the Website.

The use of Cookies by our partners, affiliates, advertisers or service providers are not covered by our Privacy Policy nor are we responsible for their privacy practices and/or the reliability of the information published by them.

Accessing your personal information

If you have used the application for Smarter Loans, you may access some of the personal information that we hold about you in the “Dashboard” section of the Website.

You may request access to all of the personal information that we hold about you by contacting us at:

Email: [email protected]

Postal address:
Privacy Officer, North West Group Holdings Limited (trading as Smarter Loans)

Please quote your name, email and customer number along with a brief description of the information you would like a copy of. Eat my mortgage reserves the right to make further enquiries to identify the person making a request for information.

Correction of your personal information

If the information held by us is inaccurate, incomplete or not up to date, you may ask us to correct the information.

You can do this by either personally updating the information contained within the “Portal” provided or where this is not possible, you can advise us of the correct information by contacting us at one of the addresses described above.

Changes to the Privacy Policy

We at North West Group Holdings Limited (trading as Smarter Loans) may change this Privacy Policy from time to time by uploading a new version on the Website.