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Privacy & Data Protection

How DeMarque Finance collects, uses and protects your information across our website, finance tools, and application systems.

Privacy & Data Protection

Privacy Policy

This Privacy Policy explains how DeMarque Finance collects, uses, stores and discloses personal information across our website, enquiry forms, finance calculators, eligibility tools, application systems and related services.

No credit file impact unless you proceed with a formal application and provide consent.

Who this policy applies to

Website visitors, prospective clients, applicants, borrowers, guarantors, business owners and referral partners interacting with DeMarque Finance digital tools and services.

Last updated

18 April 2026

Legal entity & licensing

DeMarque Group Pty Ltd trading as DeMarque Finance and DeMarque Home Loans. ABN 75 639 569 725. DeMarque Finance is an authorised Credit Representative (No. 522568) under Australian Credit Licence No. 384704.

Our Privacy Commitment

At DeMarque Finance, protecting your personal and financial information is fundamental to how we operate. As our website and digital systems continue to evolve, including finance tools, pre-assessment pathways, calculators and online application capture, we are committed to being transparent about how your information is collected, used and safeguarded.

We only collect information reasonably necessary to assess enquiries, structure lending scenarios, process applications, communicate with you and improve our systems and services. We take reasonable steps to protect the confidentiality of the information entrusted to us.

Important: Use of our website tools does not affect your credit file unless you proceed with a formal application and provide consent for the required credit enquiries or assessment steps.

Privacy Summary

  • We collect information you provide through forms, tools, applications and direct communication.
  • We use that information to assess eligibility and structure finance solutions.
  • We may share information with lenders, aggregators and trusted service providers where required.
  • We use secure cloud-based systems and reasonable controls to protect your data.
  • You can request access to or correction of your personal information at any time.

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.

Indicative results only: Calculator outputs, pre-assessment results, repayment scenarios and eligibility tool outcomes are estimates based on the information entered and do not constitute formal approval, a formal offer of credit or lending advice specific to your full circumstances unless separately confirmed by us in writing.

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.

Overseas Disclosure

Some of the service providers and platforms used to deliver our services are located outside Australia. This includes technology, administration and operational-support providers used by our Australian Credit Licence holder, some of which operate from the Philippines.

Where personal information is shared with an overseas recipient, we take reasonable steps to ensure it continues to be handled consistently with the Australian Privacy Principles and the Privacy Act 1988 (Cth).

  • Overseas disclosure may occur where it is reasonably necessary to operate the services you are using.
  • We only share information with overseas recipients bound by contractual obligations around privacy and information security.
  • Information sent offshore may not have the same legal protections as under Australian privacy law, and you may have limited avenues to seek redress for a privacy breach that occurs outside Australia.

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.

Credit Reporting Bodies and Credit Reporting

Where you consent to proceed with a formal credit application, we or the lender we refer you to may exchange personal information and credit information with Australian credit reporting bodies. In Australia these are primarily:

  • Equifax Australia Information Services and Solutions Pty Ltd — the largest consumer credit reporting body in Australia.
  • illion Australia Pty Ltd — a major alternative consumer and commercial credit reporting provider.
  • Experian Australia Credit Services Pty Ltd — may be used for specific lender workflows.

What is exchanged

Under the Comprehensive Credit Reporting (CCR) framework, credit reporting bodies may hold and share identification details, credit liabilities, repayment history information, defaults, court proceedings, insolvency information and related creditworthiness data for the purpose of credit assessment.

When credit reporting happens

Use of our website, calculators, pre-assessment and eligibility tools does not by itself result in any credit reporting body being contacted. Credit reporting only occurs if you choose to proceed with a formal credit application and provide the specific consents required at that stage.

Your rights under the credit reporting system: you can ask a credit reporting body for a free copy of your credit report once in every 12-month period, ask for incorrect information to be corrected, and place a ban on access to your credit file if you believe you have been or are at risk of fraud.

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.

Complaints — Internal and External Dispute Resolution

If you believe something has gone wrong with the way we have handled your information, assessed your application or delivered our services, we want to hear from you so we can fix it.

Step 1 — talk to us (Internal Dispute Resolution)

Please contact us first using the details in the Contact section below. We will acknowledge your complaint promptly, aim to resolve most complaints within five business days, and write to you with a full response once our investigation is complete. If we need longer than 30 days to resolve the matter, we will let you know in writing and explain why.

Step 2 — external review (AFCA) for credit-related complaints

If you are not satisfied with the outcome from us, or you have not heard back from us within 30 days, you can refer the matter to the Australian Financial Complaints Authority (AFCA) at no cost to you. AFCA is an ASIC-approved External Dispute Resolution scheme providing independent resolution of financial services complaints.

Step 3 — privacy-specific complaints (OAIC)

If your complaint specifically concerns the handling of your personal information under the Privacy Act 1988 (Cth), and we have not resolved it to your satisfaction, you may also contact the Office of the Australian Information Commissioner on 1300 363 992 or at www.oaic.gov.au.

Time limits may apply to complaints made to AFCA. AFCA will let you know whether your complaint is within the applicable time limit when you contact them.

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.

Our Residential Lender Panel

For residential lending — including personal loans, solar finance, home loans and related residential credit products — we may share your personal information and credit information with lenders on our accredited panel for the purpose of assessing your application. Your scenario, product requirement and lender fit determine which lenders are actually approached.

Personal lending (including solar finance)

Our core residential personal loan and solar finance panel:

Home loans and residential mortgage products

Through our licensee accreditation we are also able to arrange residential home loan products with the following lenders:

Pending accreditations

We are actively expanding the residential panel. Currently in progress:

  • SocietyOne Australia Pty Ltd — Green Loan product — specialist residential green finance with loan terms of up to 10 years, subject to final accreditation. www.societyone.com.au

Panel membership is reviewed periodically as accreditations are added, renewed or retired. For commercial finance, please refer to our Commercial Privacy Policy which lists our commercial credit provider panel separately.

Your scenario determines what is shared. We only share information with lenders who are relevant to your specific enquiry or application. If you make a rate-request through our solar finance tools, your profile is matched against our personal lending panel (the Wisr, NOW Finance, Plenti, MoneyPlace set). Home loan enquiries are matched against home loan lenders. Unrelated lenders do not receive your information.

Contact DeMarque Finance

If you have questions about this Privacy Policy, want to request access to your information, or wish to raise a privacy concern, please contact us: