Privacy Policy

01Information we collect

We collect personal information necessary to provide credit assistance and mortgage broking services. This may include:

• Identity details: full name, date of birth, driver's licence, passport, or other identification.
• Contact details: address, phone number, and email address.
• Financial information: income, employment, expenses, assets, liabilities, bank statements, payslips, tax returns, and credit history.
• Information about the property or asset you intend to finance.
• Information you submit via our website forms, the Pathfinder wizard, calculators, and the client portal.

02How we collect information

We collect information directly from you when you complete enquiry forms, use our calculators, upload documents to the client portal, or speak with us by phone or email.

We may also collect information from third parties with your consent, such as your employer, accountant, credit reporting bodies, and the lenders on our panel, where it is necessary to assess your application.

03How we use your information

We use your personal information to:

• Assess your financial situation and borrowing capacity.
• Recommend suitable credit products and compare lenders on our panel.
• Prepare and submit loan applications on your behalf.
• Communicate with you about your application and settlement.
• Comply with our legal and regulatory obligations, including under the National Consumer Credit Protection Act 2009 and the Best Interests Duty.

04Disclosure of your information

We only disclose your personal information to third parties where it is necessary to provide our services or where required by law. This may include lenders on our panel, credit reporting bodies, mortgage insurers, and your legal or financial representatives.

We never sell your personal information to third parties.

05Storage and security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access. Documents uploaded to the client portal are stored privately with encryption in transit and at rest, and accessed only via expiring, time-limited links.

Where we no longer need your information, we will destroy or de-identify it in accordance with our retention policy.

06Cookies and website analytics

Our website uses cookies and similar technologies to improve your browsing experience, understand how the site is used, and remember your preferences. You can control cookies through your browser settings and via our cookie consent banner.

We do not use cookies to collect sensitive personal information.

07Access and correction

You may request access to, or correction of, the personal information we hold about you. To make a request, contact us using the details below. We will respond within a reasonable timeframe.

08Complaints

If you believe we have breached the Australian Privacy Principles, you may complain to us. We will investigate and respond. If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner at oaic.gov.au.