The purpose of the Pioneer Mortgage Services website is to provide general information on the range of products and services offered, highlighting only the key features of these products and services.

Pioneer Mortgage Services Pty. Ltd., its related companies and their directors, employees and agents will not be liable for any loss or damage incurred by any person as a result of any error in any information, statement or recommendation on this site (whether due to negligence of Pioneer Mortgage Services Pty. Ltd., its related companies, directors, employees or agents).

Any information stated on this website does not take into account your financial situation or specific requirements. Because of this, before applying for a Pioneer product, we recommend that you consult with a financial advisor to determine which product is appropriate for you.

Pioneer Mortgage Services reserves the right to accept or reject any applications submitted or close existing accounts due to lending criteria and Anti Money Laundering Act requirements.

All new applications are subjected to the normal lending criteria and may have certain conditions imposed.

Fees & charges may also apply should you acquire a Pioneer Mortgage Service’s loan. We recommend you call us on 13 13 91 to obtain an estimate on what these fees might be. A definite indication of what you will be charged can not be determined until your loan is due to settle as some of these fees and/ or charges are imposed by outside parties not related to Pioneer Mortgage Services (ie: solicitors, conveyancers, government taxes etc).

The material on this website (including without limitation the text, artwork, photographs and images) is owned by Pioneer Mortgage Services Pty. Ltd. and its licensors.

Pioneer Mortgage Services Pty. Ltd. grants you a non-exclusive royalty-free revocable license to

Pioneer Mortgage Services Pty. Ltd. does not grant you any other rights in relation to this website or the material on this website. In other words, all other rights are reserved.

You are not authorized or permitted to adapt, edit, change, transform, publish, republish, distribute, redistribute, broadcast or rebroadcast this website or the material on this website (in any form or media) without Pioneer Mortgage Services Pty. Ltd. prior written permission.

The Privacy Statement may also apply to services offered by Pioneer Mortgage Services on Web Sites hosted by third parties. If so, express reference to this Privacy Statement will be made on those Web Sites.

Information Technology continues to present new and exciting opportunities. However, many people are concerned about how their personal information will be used. Pioneer Mortgage Services understands and appreciates that you, as a Pioneer Mortgage Services customer or visitor, are concerned about your privacy and about the confidentiality and security of information we may obtain from you on-line. Pioneer Mortgage Services is committed to protecting your privacy whilst using our web site.

The following Privacy Statement provides a clear and concise outline of how and when personal information is collected, stored and distributed by Pioneer Mortgage Services. This Privacy Statement covers personal information collected via the Pioneer Mortgage Services Web Sites.

The nature of personal information collected & maintained by Pioneer Mortgage Services generally comprises name, address, date of birth, loan numbers, contact details (including phone, fax & email). Personal information is collected for the purpose of establishing and building a financial services relationship with you, to communicate information about Pioneer Mortgage Services that may be of interest to you for the purpose for which you specifically provided the information, to enhance existing features or develop new features of our site and the services offered by our sites, to provide advertisers and other third parties with aggregate information about our user database and usage patterns. If you provide incomplete or inaccurate information, we may not be able to provide you with the services you are seeking.

The Pioneer Mortgage Services' web site also contains links to the web sites of third party providers of goods and services ("third party web sites"). If you have accessed third party web sites through the Pioneer Mortgage Services' web site and if those third parties collect information about you, Pioneer Mortgage Services may also collect or have access to that information as part of our arrangements with those third parties.

Third party web sites should contain their own privacy statements and those third parties are responsible for informing you about their own privacy practices. Those web sites are not subject to this Privacy Policy. You may wish to review the Privacy Policy at each particular web site to determine how that site deals with privacy issues.

For statistical purposes we collect information on web site traffic activity. This information on its own does not identify an individual, but it does provide Pioneer Mortgage Services with statistics that we can use to analyse and improve our web site, how visitors and subscribers navigate our sites, the number of visits they make and the length of their visits.

Pioneer web sites & applications also utilize cookie technology to allow us to present personalised services to visitors and subscribers. When you subscribe to our site or take advantage of several key features we may pass cookies to your computer. A cookie is a small text file of information that is sent by a web site and stored on your hard drive in your temporary internet files directory. If you do not want a cookie, you can set your browser settings to deny it, however this will render some personalised online services unavailable to you.

Unless you have instructed us not to do so, personal information may be shared with mortgage insurers, credit reporting agencies, general insurers, introducers, conveyancers and lawyers, valuers, debt collection agencies, government authorities and our service providers for the purpose of providing financial services to you where it will remain confidential.

Our goal is to use information you provide to better understand your financial and investment requirements and so provide information on product and services from across the Pioneer Mortgage Services group that is most relevant to you.

We also use personal information we have collected in our measures for detecting and preventing fraud and other malicious activities.

Pioneer Mortgage Services undertakes not to sell, rent or trade your personal information except in the circumstances where you have consented.

We will not disclose information about you unless the disclosure is:

• Required by law (eg. the Australian Taxation Office has the power to order us to disclose information on your accounts).
• Is authorised by law (eg. to protect our interest or where we have a duty to the public to disclose).
• You have consented to our disclosing the information about you.
• To comply with the law or legal process served on us.
• To protect or defend its personal or property rights for example to enforce the general terms and conditions of use on our site.
• To protect the personal safety of other users of our sites in an emergency.

There may be circumstances in which we consider a client, by his or her action, to have released us from our duty of confidentiality, or has consented to the disclosure of information about him or her without actually saying so. (For example, where a client has discussed his or her financial position publicly to the media, in such a way to leave us with little alternative but to respond publicly).

Like most business organisations, Pioneer Mortgage Services relies on third party suppliers (agents) to conduct specialised activities such as mail-outs and the dispatch of high volume Internet messages. These agents act on behalf of Pioneer Mortgage Services and do not facilitate their own commercial agendas whilst processing your personal information. While personal information may be provided to these agents to enable them to perform their agreed tasks, such information remains the property of Pioneer Mortgage Services at all times and the agent organisations involved are bound by specific confidentiality and non disclosure agreements.

Further, Pioneer Mortgage Services takes its obligations to protect client information very seriously and we make every effort to deal only with ethical suppliers who share and demonstrate this same attitude.

We will preserve the content of any email that you send us, if we believe that we have a legal requirement to do so. Any personal information contained in your email, including your email address, will be used or disclosed in ways set out in this Privacy Statement. Your email content may be monitored by our Internet Service Provider or Pioneer Mortgage Services employees for troubleshooting and maintenance purposes, or where email abuse is suspected.

Our goal is to ensure that your personal information is accurate, complete and current. To assist us with this, please contact us if any of the details you have provided change. Further, if you believe that the information we have about you is not accurate, complete or current, contact us and we will make all reasonable efforts to correct the information.

Pioneer Mortgage Services is committed to keeping secure the data you provide us and we will take all reasonable precautions to protect your personally identifiable information from loss, misuse or alteration.

Pioneer Mortgage Services utilizes the highest standards in technology and security practices to ensure maximum security of all customer data sent between your computer and Pioneer Mortgage Services' systems.

You can request us to provide you with access to personal information we hold about you. If we are able to, we will provide you with access. A fee may apply to such access. If we deny request for access, we will let you know why. Access is limited to our record of your address, occupation marital status, age, sex, accounts with us and balances and statements relating to those accounts.

Pioneer Mortgage Services adopts an opt-out email distribution model. We acknowledge and respect a user's choice to opt-out of any marketing communications activities. Should you decide you do not wish to receive marketing or promotional materials via email from Pioneer Mortgage Services, please respond to the statement on the footer of such emails by e-mailing us, being sure to include your name, address and account number(s).

Pioneer Mortgage Services may make changes to this Privacy Statement from time to time for any reason. We will publish those changes on our web site.

You acknowledge and accept that your use of the Pioneer Mortgage Services web site indicates your acceptance of the Pioneer Mortgage Services web site Terms of Use and the Privacy Statement.

If you have any Privacy queries or would like further information regarding this Privacy Statement, or if you believe we have breached any aspect of this Privacy Statement, please contact us on 13 13 91.