Privacy Policy

Effective Date: 1 August 2025

1. Introduction

Aussieloansdirect.com (“we”, “our”, “us”) is committed to protecting your privacy and handling your personal information in a responsible and transparent manner.

This Privacy Policy explains how we collect, use, store, and share your personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and the Privacy (Credit Reporting) Code 2014.

By using our website, services, or otherwise providing your personal information to us, you consent to this Privacy Policy.

2. What Information We Collect

We may collect the following types of information from you:

2.1 Personal Information

• Full name, date of birth, gender, and contact details (address, email, phone      number)
• Employment and income details
• Financial position (assets, liabilities, expenses)
• Identification documents (e.g., driver’s licence, passport, Medicare card)

2.2 Credit Information & Credit Eligibility Information

As a mortgage broker, we may collect credit-related information including:

• Details of credit applications you make
• Credit reports from credit reporting bodies (CRBs)
• Repayment history information
• Details of any defaults, court judgments, or insolvency
• The type and amount of credit sought or obtained

2.3 Website & Digital Information

• IP address, browser type, device identifiers, and website usage data
• Cookies and tracking information to improve user experience (see Section 9)

3. How We Collect Information

We may collect information:

• Directly from you (via application forms, email, phone, online chat, in person)
• From your authorised representatives (e.g., accountant, solicitor, financial      adviser)
• From lenders, credit reporting bodies, and government agencies
• From publicly available sources where lawful

4. Why We Collect & Use Your Information

We collect and use your information to:

• Assess and process your credit application
• Provide mortgage broking and related financial services
• Verify your identity
• Obtain credit reports and credit eligibility information from CRBs
• Communicate with you about your application and our services
• Comply with legal and regulatory obligations (e.g., anti-money laundering laws)
• Market our services to you (you can opt out at any time — see Section 8)

5. Disclosure of Your Information

We may share your personal information with:

• Lenders and credit providers
• Credit reporting bodies (CRBs)
• Our aggregator, software providers, and service partners
• Professional advisers (accountants, solicitors)
• Regulatory authorities as required by law
• Third-party contractors who help us deliver services (e.g., IT support)

We take reasonable steps to ensure third parties protect your information in accordance with Australian privacy laws.

6. Credit Reporting & Credit-Related Information

We may exchange your personal and credit information with credit reporting bodies such as Equifax, illion, and Experian for the purposes of:

• Assessing your credit application
• Assisting you to avoid default
• Notifying CRBs of serious credit infringements

CRBs may use your information to create credit reports which may be accessed by other credit providers. You have the right to request CRBs not to use your information for direct marketing or pre-screening.

7. Overseas Disclosure

Some of our service providers may be located outside Australia. If we transfer your personal information overseas, we will take reasonable steps to ensure the overseas recipient complies with Australian privacy laws. Likely overseas recipients may include IT and data storage providers in the USA, New Zealand, and Singapore.

8. Direct Marketing

We may use your personal information to send you offers, updates, or information about our services. You can opt out of receiving marketing material at any time by:

• Clicking the unsubscribe link in our emails
• Contacting us (see Section 12)

9. Website Cookies & Analytics

Our website uses cookies, tracking technologies, and analytics tools (such as Google Analytics) to improve user experience and marketing effectiveness. Cookies do not identify you personally but help us analyse site traffic and usage patterns. You can disable cookies in your browser settings, but some features of our website may not function properly.

10. Security of Your Information

We store your personal and credit information securely using a combination of physical, electronic, and managerial safeguards. Access is restricted to authorised personnel only. While we take reasonable steps to protect your information, no data transmission over the internet can be guaranteed to be 100% secure.

11. Access & Correction

You have the right to:

• Request access to the personal and credit information we hold about you
• Request corrections if you believe the information is inaccurate, incomplete, or out-of-date

We will respond to all requests within a reasonable timeframe, usually within 30 days.

12. Complaints

If you believe we have breached your privacy rights, please contact us immediately. We will acknowledge your complaint within 7 days and aim to resolve it within 30 days.

If you are not satisfied with our response, you may contact:

Office of the Australian Information Commissioner (OAIC)
Phone: 1300 363 992
Website: www.oaic.gov.au

13. Contact Us

Email: compliance@aussieloansdirect.com

14. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The latest version will always be available on our website. Your continued use of our services after any change will constitute acceptance of the updated policy.