Disclaimer, Privacy & Disputes

 Website General Advice Warning

•  Information published on this website has been prepared for general information purposes only and not as specific advice to any particular person. Any advice contained in this document is General Advice and does not take into account any person’s particular investment objectives, financial situation and particular needs.  
• Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances.  
• Past performance of financial products is no assurance of future performance.   Product Disclosure Statements contain information necessary for you to make a decision whether or not to invest in financial products mentioned on this website.  You should also obtain and read this document prior to proceeding with any decision to purchase a financial product.
• The articles, topics and ideas presented on this website has been prepared without taking into account your individual objectives, financial situation or specific needs.
• Before acting on any information you’ve seen or read about on this website, you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs.
• If any products are detailed on this website, you should obtain a Product Disclosure Statement relating to the products and consider its contents before making any decisions.
• It is recommended to seek advice from a qualified professional relevant to your particular needs or interests. (For instance, Tax Advice from a Tax Agent, Financial Advice from a Licensed Financial Adviser and so on and so forth).
• Kierin Ryan, Sydney Home Mortgage, Melkie Pty Ltd,  and Mortgage Australia Group and all  related parties (direct or indirect) disclaim all and any guarantees, undertakings and warranties, expressed or implied, and shall not be liable for any loss or damage whatsoever (including human or computer error, negligent or otherwise, or incidental or consequential loss or damage) arising out of or in connection with any use or reliance on the information or advice on this site.
• The user must accept sole responsibility associated with the use of the material on this site, irrespective of the purpose for which such use or results are applied.
• The information on this website is no substitute for financial advice or consultation.

Privacy Policy 

Who are we? Kierin Ryan is sole Director of Melkie Pty Ltd, Australian Business Number 15 111 485 360. Kierin Ryan is an Authorised Credit Representative 498524, of Mortgage Australia Group Pty Ltd, Australian Credit Licence 377294.  

Our commitment to protect your privacy 

We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information. We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed under the law. It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information. Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant law. 

Personal information 

When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you. The personal information we hold about you may also include credit information.  

Credit information 

Is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults.  Usually, credit information is exchanged between credit and finance providers and credit reporting bodies. The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we made need to identify you. If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses. If you apply for any insurance product through us we may also collect your health information. We will only collect health information from you with your consent. 

Why we collect your personal information 

We collect personal information for the purposes of assessing your application for finance and managing that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time we may offer you other products and services. 

How do we collect your personal information? 

Where reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from finance brokers and other people such as accountants and lawyers.   

Do we disclose your personal information? 

We may disclose your personal information: · to prospective funders or other intermediaries in relation to your finance requirements;  · to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres; · to associated businesses that may want to market products to you; · to companies that provide information and infrastructure systems to us; · to anybody who represents you, such as finance brokers, lawyers and accountants;  · to anyone, where you have provided us consent;  · where we are authorised to do so by law, such as under the Anti-Money or Laundering and Counter Terrorism Financing Act 2006 (Cth); · to investors, agents or advisers, or any entity that has an interest in our business; · organisations that provide products or services used or marketed by us; or · to your employer, referees or identity verification services. Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that: (a) the person or organisation has a commitment to protecting your personal information at least  equal to our commitment, or  (b) you have consented to us making the disclosure. We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia. We may disclose your personal information to overseas entities that provide support functions to us. You may obtain more information about these entities by contacting us.  

Direct marketing 

From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated. If you do not wish to receive marketing information, you may at any time decline to receive such information by telephoning us on 0437 437 337 or by writing to us at Sydney Home Mortgage PO Box 4724 NOrth Rocks NSW 2151. If the direct marketing is by email you may also unsubscribe by emailing "unsubscribe". We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity. 

Updating your personal information 

It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.  If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate or complete. 

Access and correction to your personal information 

We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time. We may charge a fee for our costs of retrieving and supplying the information to you. Depending on the type of request that you make we may respond to your request immediately, otherwise we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.  There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious. An explanation will be provided to you if we deny you access to the personal information we hold about you. If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information at the time of the request otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days. We may need to consult with other entities as part of our investigation.  If we refuse to correct personal information we will provide you with our reasons for not correcting the information.   

Terms of Use 

This site (www.sydneyhomemortgage.com.au) is owned and operated by Kierin Ryan, sole Director of Melkie Pty Ltd, Australian Business Number 15 111 485 360, Australian Credit Representative Number 498524.  www.sydneyhomemortgage.com.au website hereinafter referred to as ‘The Company’. Access and use of this website is subject to these Terms of Use and The Company's Privacy Policy. The Company has the right at any time to change or modify the terms or conditions applicable to the use of this site.  

Who can use material on this site? 

The Company authorises the user to copy any material published by The Company and placed on this website for non-commercial use only, provided that any copied material from the website retains all copyright or other proprietary notices and any disclaimers. The user acknowledges that The Company and the names of The Company’s products are the intellectual property of The Company. 

How should I act on the information provided at this site? 

The purpose of this site is to provide you with an information service. If you think you may need investment advice, we suggest you approach a licensed investment adviser. You are also advised to consult with a financial representative prior to the execution of credit documentation with any financial institution. Nothing in this site should be taken by you to be the giving of investment advice. 

Limitation of Liability 

The Company website is provided on an “as is” basis without warranties of any kind, either express or implied, including (but not limited to) warranties of merchantability or fitness for a particular purpose, other than those warranties which are implied by and incapable of exclusion, restriction or modification under the laws applicable to transactions conducted on The Company site. The user expressly agrees that use of The Company site is at the user’s sole risk. Neither The Company, its affiliates nor any of their respective employees, agents, third-party content providers or licensors warrant that The Company will be uninterrupted or error-free. Nor do they make any warranty as to the results that may be obtained from use of The Company site, or as to the accuracy, reliability or content of any information or service provided through The Company site. 

This disclaimer of liability applies to any damages or injury from any cause including, without limitation, failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorised access to, alteration of, or use of record, whether for breach of contract, tortious behaviour, negligence or under any other cause of action. The user specifically acknowledges that The Company is not liable for the defamatory, offensive or illegal conduct of other users or their parties and that the risk of injury from the foregoing rests entirely with the user. In no event will The Company, or its agents or affiliates be liable for any damages, including (without limitation) direct, indirect, consequential, special, incidental or punitive damages arising out of the use (or of inability to use) The Company site, and the user hereby acknowledges that the provisions of this section shall apply to all content on The Company site. 

Fees & Charges 

The Company does not charge a fee for the majority of services offered via this Website although standard lender application fees and government charges apply. Where a commercial property is used as security, brokerage fees may apply. The Company receives fees from the lenders when users finalise mortgage loan transactions via our service. 

Loan Approvals 

The approval of all mortgage loan applications are subject to the lending criteria of the lender chosen by the user. 

Third Parties 

Where you have clicked-through to The Company via one of our affiliate websites, we may pay the affiliate a marketing fee for the introduction. 

Professional Memberships 

Kierin Ryan is an individual member of the MFFA. 

How to Contact Us 

Please attention any correspondence relating to The Company's Terms of Use by using the details in the contact us page.