Information We Collect

Depending on the nature of your enquiry, finance scenario or use of our digital services, we may collect personal, financial, business and technical information.

Personal Information

This may include your name, date of birth, contact details, residential address, employment details and identification information that you provide to us directly or through our forms and applications.

Financial Information

This may include income, expenses, assets, liabilities, repayment capacity, loan requirements, deposit position, credit-related information and supporting data relevant to a finance assessment or application.

Business Information

For commercial and business-related enquiries, this may include ABN, business name, industry, business turnover, time in operation, GST registration details, director information, entity structure and other business financial details.

Tool, Form and Application Data

We may collect information entered into repayment calculators, eligibility tools, quote forms, pre-assessment forms, contact forms and online finance application pathways made available through our website.

Website and Device Data

We may collect IP address, browser type, device information, referral source, pages viewed, time on site and interaction behaviour to help us understand website usage and improve user experience.

How We Collect Information

We collect information in a number of ways, including when you:

• complete a website enquiry form, quote request or finance application;
• use one of our calculators, eligibility tools or pre-assessment tools;
• call, email, message or otherwise communicate with us directly;
• provide documents or supporting information for an enquiry or application;
• interact with marketing campaigns, website content or tracking technologies;
• engage with us through referral partners, introducers or third-party service platforms.

How We Use Your Information

We use the information we collect to operate our business and deliver relevant finance services. This includes using information to:

• assess your eligibility for finance products and lending pathways;
• generate indicative borrowing, repayment or product scenarios;
• match your enquiry or application with suitable lenders or credit providers;
• structure, prepare, submit and manage finance applications;
• verify information and request supporting documents where required;
• communicate with you about your enquiry, application or related service updates;
• manage internal administration, record keeping, compliance and operational processes;
• improve our website, tools, application systems and user experience.

Disclosure of Information

Where reasonably necessary to provide our services, assess a scenario or process an enquiry or application, we may disclose your information to third parties such as:

• lenders, credit providers, mortgage managers and funders;
• aggregators, lender panels and product partners;
• CRM, form, automation and software service providers, including Zoho platforms;
• IT providers, website hosts, developers and cloud infrastructure providers;
• verification, valuation, compliance, legal, accounting and professional advisers;
• referral partners or introducers involved in your enquiry where appropriate;
• government, regulatory or dispute resolution bodies where required by law.

We only disclose information reasonably necessary for the relevant purpose and take reasonable steps to work with reputable service providers and platforms.

Data Security and Storage

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification and disclosure. This may include controlled access permissions, secure software environments, password protection, hosting safeguards and other appropriate technical and organisational measures.

Information submitted through our website, forms, calculators, applications and communication systems may be stored or processed using secure cloud-based systems and third-party business platforms used to deliver our services.

While no online environment can be guaranteed to be completely secure, we take data protection seriously and continuously work to improve the security of our systems and processes.

Cookies and Website Tracking

Our website may use cookies, pixels, tags, analytics tools and similar technologies to understand traffic patterns, measure page performance, improve usability, refine digital tools and support marketing or remarketing activities.

This may include services such as Google Analytics and other website performance or tracking tools. You can usually manage cookie settings through your browser preferences, although disabling cookies may affect the functionality of some website features.

Marketing Communications

We may use your contact details to send you service updates, educational content, market insights, product information, promotional material or relevant finance opportunities where permitted by law.

You may opt out of receiving marketing communications at any time by using the unsubscribe facility where available or by contacting us directly.

Credit File and Consent

Using our website, enquiry forms, calculators or eligibility tools does not, by itself, result in a credit check being recorded on your credit file.

If you decide to proceed with a formal application, we may seek your consent to collect further information, obtain supporting documents, verify information and engage with lenders or other third parties as required for assessment and application processing.

Access and Correction

You may request access to personal information we hold about you, or request correction of information that is inaccurate, incomplete or out of date, subject to any legal or operational exceptions that may apply.

To make a request, please contact us using the details below. We may require you to verify your identity before actioning the request.

Retention of Information

We retain information for as long as reasonably required for the purposes for which it was collected, to manage ongoing client relationships, to meet legal, regulatory, compliance and record-keeping obligations, and to resolve disputes or enforce agreements where required.

Policy Updates

We may update this Privacy Policy from time to time to reflect changes in our business, technology, legal obligations or service offerings. Any updated version will be published on this page and will take effect from the date it is posted.