Cookie Policy
1. Introduction and Scope
Little Ledger House ("we", "us", or "our") operates the website dedicated to helping homeowners in Victoria navigate the complexities of mortgage refinancing. To provide a high-quality, personalized experience, we use cookies and similar tracking technologies.
This Cookie Policy explains what cookies are, how we use them on our platform, your rights regarding these technologies under Australian law, and how you can manage your preferences. By continuing to browse our site, you acknowledge our use of cookies as described in this policy, subject to your specific consent choices.
2. Jurisdiction and Legal Framework
As an entity operating in Victoria, Australia, Little Ledger House is primarily governed by the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). Additionally, the Spam Act 2003 (Cth) and various state-based consumer protection laws in Victoria influence how we handle user data and communications.
While Australia does not have a specific "Cookie Law" identical to the EU's ePrivacy Directive, the Office of the Australian Information Commissioner (OAIC) considers information collected by cookies to be "personal information" if an individual can be identified or is reasonably identifiable. Therefore, we adhere to high transparency standards to protect your digital identity.
3. What are Cookies?
Cookies are small text files stored on your computer, tablet, or mobile device when you visit a website. They allow the website to recognize your device and store certain information about your preferences or past actions.
- First-party cookies: Set directly by Little Ledger House.
- Third-party cookies: Set by domains other than ours (e.g., Google Analytics, advertising partners).
- Session cookies: Temporary files that expire when you close your browser.
- Persistent cookies: Remain on your device for a set period or until manually deleted.
4. Categories of Cookies We Use
A. Strictly Necessary Cookies
These are essential for the operation of our mortgage refinancing tools and secure areas of the site. Without these, the website cannot function correctly. They do not require user consent under most frameworks as they provide a service explicitly requested by the user.
Examples: Session ID, Security authentication, Load balancing.
Lifespan: Session to 1 year.
B. Analytical/Performance Cookies
These allow us to recognize and count the number of visitors and see how visitors move around our website when they are using it. This helps us improve the way our website works, for example, by ensuring that users are finding the refinancing calculators easily.
Examples: Google Analytics, Hotjar.
Lifespan: 24 hours to 2 years.
C. Functional Cookies
These are used to recognize you when you return to our website. This enables us to personalize our content for you (for example, remembering your Victorian suburb or specific mortgage preferences).
Examples: Language settings, Region selection.
Lifespan: 1 year.
D. Targeting/Marketing Cookies
These cookies record your visit to our website, the pages you have visited, and the links you have followed. We use this information to make our website and the advertising displayed on it more relevant to your interest in Victorian property and finance markets.
Examples: Facebook Pixel, Google Ads.
Lifespan: 30 days to 1 year.
5. Why We Use Cookies for Refinancing Logic
Mortgage refinancing is a data-heavy process. We use cookies to:
- Remember your inputs in our financial calculation models so you don't have to re-enter data if you navigate away.
- Analyze which Victoria market data 2024 reports are most popular to better tailor our future content.
- Track the effectiveness of our Step-by-Step Refinancing Logic guides.
6. How to Manage and Disable Cookies
You have the right to decide whether to accept or reject cookies. You can exercise your cookie preferences by clicking the button below:
Additionally, most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set, visit www.aboutcookies.org.
Please note that if you use your browser settings to block all cookies (including essential cookies) you may not be able to access all or parts of our site, specifically our interactive financial tools.
7. Third-Party Links
Our site may contain links to other websites of interest, such as government portals for Victoria property taxes or external banking institutions. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites.
8. Contact Information
If you have any questions about our use of cookies or this Cookie Policy, please contact the Data Protection Officer at Little Ledger House:
Entity: Little Ledger House
Email: Phone: +1 (987) 998-2599
Address: 156 Collins Street, Melbourne, VIC 3000, Victoria