Privacy Policy

1. What Information We Collect

To provide finance broking and credit assistance services, we collect personal, financial, and credit-related information. This includes:

• Personal Details: Full name, date of birth, residential address, telephone number, email address, and driver licence or passport details.
• Financial Details: Income, employment history, living expenses, existing loan commitments, bank account statements, asset/liability positions, and tax file numbers (where required).
• Credit Information: Credit scores, credit history reports, repayment histories, and default notices from credit reporting bodies (CRBs).
• Sensitive Information: Health or medical details only where necessary (for example, assessing hardship applications or specific insurance requirements) and only with your explicit consent.

2. How We Collect Personal Information

We primarily collect your information directly from you via:

• Application forms, phone calls, online site inquiries, or email correspondence.
• Financial documents provided during our assessment process.

We may also collect information about you from third parties, including:

• Credit reporting bodies (e.g., Equifax, Experian).
• Financial institutions, lenders, accountants, solicitors, conveyancers, real estate agents, or employer references (with your authorization).

3. Why We Collect, Hold, and Use Information

We collect and use your personal information to:

• Assess your eligibility for credit products and provide finance broking recommendations.
• Assist in preparing and submitting finance applications to bank and non-bank lenders.
• Manage our ongoing relationship with you.
• Comply with our statutory obligations under the National Consumer Credit Protection Act 2009 (NCCP), Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (AML/CTF), and other regulatory frameworks.
• Communicate updates, services, or regulatory changes that may affect you.

4. Disclosure of Personal Information

To deliver finance broking services, we may share your personal information with third parties, including:

• Lenders and Credit Providers: Bank and non-bank lenders on our panel to evaluate and process loan applications.
• Aggregators and Software Providers: Systems used to process and store broking information securely.
• Credit Reporting Bodies (CRBs): To verify your credit file.
• Professional Advisers: Your designated legal advisors, conveyancers, accountants, or financial planners.
• Government Authorities & Regulators: Where required or authorized by law (e.g., ATO, AUSTRAC, ASIC).

We do not sell, rent, or trade your personal information to third parties for independent marketing purposes.

5. Security and Storage

We store personal information in secure electronic databases, cloud storage networks, and/or physical files. We take reasonable administrative, technical, and physical security measures to protect your data from unauthorized access, loss, modification, or disclosure.

When personal information is no longer required or required to be held by law, we take appropriate steps to securely destroy or de-identify it.

6. Accessing and Correcting Your Information

You have the right to request access to the personal information we hold about you and to ask for corrections if you believe it is inaccurate, out of date, incomplete, or misleading. To request access or correction, contact our Privacy Officer using the details below. We will respond within 30 days.

7. Direct Marketing

We may occasionally contact you with market updates, interest rate alerts, or information regarding financial products. You can opt out of direct marketing communications at any time by clicking the "Unsubscribe" link in our emails or contacting us directly.

8. Making a Complaint

If you believe we have breached the Australian Privacy Principles or the Credit Reporting Code, please submit your concern in writing:

We aim to acknowledge and resolve privacy complaints within 30 days. If you remain dissatisfied with our response, you can escalate your complaint to:

1. Australian Financial Complaints Authority (AFCA)
   Website: www.afca.org.au | Phone: 1800 931 678
2. Office of the Australian Information Commissioner (OAIC)
   Website: www.oaic.gov.au | Phone: 1300 363 992