Privacy Policy

Introduction

1. Our Commitment to Your Privacy

Mortgage & Finance Advisory ("MFA", "we", "us", "our") is committed to protecting the privacy of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

Collection

2. Information We Collect

We collect personal information that is reasonably necessary to provide our mortgage broking and finance services. This may include:

• Identity information: Name, date of birth, address, phone number, email address
• Financial information: Income details, employment history, assets, liabilities, bank statements, tax returns
• Credit information: Credit history and credit scores obtained with your consent
• Property information: Details about properties you own or wish to purchase
• Identification documents: Driver's licence, passport, Medicare card for verification purposes
• Sensitive information: Health information (only if relevant to insurance or loan applications)

Methods

3. How We Collect Information

We collect personal information through various means, including:

• Directly from you when you complete application forms, questionnaires, or provide documents
• Through our website when you submit enquiry forms or use our calculators
• During phone conversations, video calls, or in-person meetings
• From third parties such as credit reporting bodies, lenders, real estate agents, accountants, or solicitors (with your consent)
• From publicly available sources

Purpose

4. How We Use Your Information

We use your personal information to:

• Assess your financial situation and borrowing capacity
• Research and recommend suitable loan products from our panel of lenders
• Submit loan applications on your behalf
• Communicate with you about your loan application and ongoing services
• Comply with our legal and regulatory obligations
• Improve our services and customer experience
• Send you marketing communications (with your consent)

Disclosure

5. Who We Share Your Information With

We may disclose your personal information to:

• Lenders and financial institutions: To process your loan applications
• Credit reporting bodies: To obtain credit reports and verify information
• Our aggregator: Connective Credit Services Pty Ltd
• Professional advisers: Accountants, solicitors, financial planners (with your consent)
• Insurers: For loan protection or property insurance purposes
• Government bodies: Where required by law
• Service providers: IT support, document management, and other business services

We will not sell your personal information to third parties for marketing purposes.

Credit Reporting

6. Credit Information

As a credit provider under the Privacy Act, we may collect credit information about you from credit reporting bodies. This includes:

• Credit enquiries made by other credit providers
• Information about credit accounts you hold
• Repayment history and any defaults
• Court judgments and bankruptcy information

We use this information to assess your creditworthiness and suitability for loan products. You have the right to request access to your credit information and to request corrections if needed.

Security

7. How We Protect Your Information

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

• Secure electronic storage with encryption
• Password-protected systems and devices
• Secure document disposal procedures
• Staff training on privacy and data security
• Regular review of security practices

Your Rights

8. Access and Correction

You have the right to:

• Request access to the personal information we hold about you
• Request correction of any inaccurate, incomplete, or outdated information
• Request deletion of your information (subject to legal requirements)
• Opt out of marketing communications at any time
• Lodge a complaint about our handling of your personal information

To make a request, please contact us using the details below. We will respond to your request within a reasonable timeframe.

Cookies

9. Website and Cookies

Our website may use cookies and similar technologies to improve your browsing experience and analyse website traffic. You can manage cookie preferences through your browser settings.

We may collect information such as your IP address, browser type, pages visited, and time spent on our website. This information is used to improve our website and services.

Updates

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on our website with a new effective date. We encourage you to review this policy periodically.

Complaints

11. Privacy Complaints

If you believe we have breached your privacy or have a complaint about how we have handled your personal information, please contact us. We will investigate your complaint and respond within 30 days.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by calling 1300 363 992.

Contact

12. Contact Us

If you have any questions about this Privacy Policy or wish to make a request regarding your personal information, please contact us: