Privacy Policy

1. Information We Collect

We collect personal information that is necessary to provide our services and run our platform. The types of information we collect include:

Personal Information

• Identity information: Full name, date of birth, residential address, email address, and phone number.
• Financial information: Income details, employment status, assets, liabilities, credit history, and loan requirements.
• Property information: Details about properties you own or wish to purchase, including valuation and settlement dates.
• Documents: Identification documents, payslips, bank statements, and other supporting documentation.

Usage and Technical Information

• Device data: Browser type, operating system, and device identifiers.
• Usage data: Pages visited, search queries, time on the platform, and interactions on the platform.
• Cookies and tracking: Session data, preferences, and analytics information (see our Cookies Policy).

Information from Third Parties

We may collect information about you from third-party sources, including credit reporting bodies, identity verification services, and publicly available sources to verify your identity and assess your eligibility for our services.

2. How We Use Your Information

We collect, hold, and use your personal information for the following purposes:

Additional Uses

• Improving our platform through analytics and user feedback.
• Detecting and preventing fraud, security threats, and illegal activity.
• Sending marketing communications with your consent, which you may withdraw at any time.
• Conducting research and analysis to enhance our broker-referral and services.

3. Disclosure of Personal Information

We may disclose your personal information to the following parties:

• Mortgage brokers: When you request a match or submit a loan application, we share relevant information with your selected broker to facilitate your lending.
• Service providers: Third-party vendors assisting with hosting, analytics, payment processing, identity verification, and customer support (all bound by confidentiality obligations).
• Credit reporting bodies: Where required for a credit assessment in accordance with the Privacy (Credit Reporting) Code.
• Legal and regulatory authorities: Where required by law, court order, or to protect our rights or users (with notification to affected users where lawful).
• Business transfers: In connection with a merger, acquisition, or sale of assets (with notification to affected users).

We do not sell your personal information to third parties. Any disclosure is strictly for the purposes outlined in this policy and in accordance with the APPs.

4. Data Security and Storage

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. Our security measures include:

• End-to-end encryption of sensitive documents and financial data.
• Secure data centres with restricted access controls.
• Regular security audits and vulnerability assessments.
• Staff training on privacy and data protection obligations.
• Multi-factor authentication and secure password requirements.

Your data is stored on secure servers located in Australia. Some service providers may store data overseas, but only in countries with substantially similar privacy protections or under approved contractual arrangements.

5. Your Privacy Rights

Under the Australian Privacy Principles, you have the following rights regarding your personal information:

6. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance your experience, analyse usage, and deliver personalised content. You can control cookie preferences through your browser settings, though some features may not function correctly if cookies are disabled.

7. Children's Privacy

Our services are directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately.

8. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our operations or legal requirements. We will notify you of material changes by email or through the in-app announcements section on our platform. Your continued use of our services after such notification will constitute acceptance of the updated policy.

9. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: