Privacy Policy

1. Who we are

AUZ Mortgage Solutions Pty Ltd (ABN 91 703 367 346) is a Melbourne-based business providing professional business and consulting services, including mortgage broking, finance advisory and related consulting support. We are bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) whenever we handle personal information.

2. Personal information we collect

The kinds of personal information we may collect include:

• Your name, contact details (email address and, where you choose to provide it, your residential or postal address);
• Details of your enquiry, including the type of finance or consulting assistance you are seeking;
• Where relevant to a finance application, information about your employment, income, assets, liabilities and financial circumstances;
• Identification documents where required by law or by lenders;
• Records of your communications with us, including emails and messages submitted through our website forms;
• Website usage data collected through cookies and analytics, such as pages viewed and approximate location derived from your IP address.

We only collect personal information that is reasonably necessary for one or more of our functions or activities, or where it is required or authorised by law.

3. How we collect your information

We collect personal information in a number of ways, including:

• Directly from you, when you complete a form on our website, send us an email or speak with us during a consultation;
• Through our website, using cookies and similar technologies;
• From third parties you have authorised, such as your accountant, employer or existing lender, where this is necessary to assess your situation;
• From publicly available sources, where it is unreasonable or impracticable to obtain the information from you directly.

4. Why we collect, hold, use and disclose personal information

We collect, hold, use and disclose personal information so that we can:

• Respond to your enquiries and provide quotes for our services;
• Assess your suitability for finance products and prepare and lodge applications with lenders on your behalf;
• Provide our professional business and consulting services, including preparing documents, analyses and recommendations;
• Manage our relationship with you, including maintaining records and contacting you about your file;
• Meet our legal and regulatory obligations, including obligations under credit and financial services legislation, anti-money laundering laws and taxation laws;
• Improve our website, services and marketing.

5. Credit-related information

Where we act as an intermediary in arranging finance, we may collect credit-related personal information, such as information about your repayment history, credit applications and the provision of finance by lenders. This information is collected only with your consent, is used solely for the purpose of assessing and arranging suitable finance for you, and is handled in accordance with the Australian Privacy Principles and any applicable credit reporting rules.

6. Disclosure of personal information

We may disclose your personal information to:

• Lenders, credit providers and their aggregators, where you have asked us to prepare or submit a finance application;
• Professional advisers engaged on your file, such as valuers, accountants, solicitors and conveyancers, where reasonably required;
• Service providers who support our business, such as secure cloud storage, email and website hosting providers, under confidentiality obligations;
• Regulators, industry bodies and law enforcement agencies, where disclosure is required or authorised by law.

We do not sell your personal information. Some of our service providers may be located outside Australia; where that occurs, we take reasonable steps to ensure the recipient is subject to obligations no less protective than the Australian Privacy Principles.

7. Direct marketing

We may use your contact details to send you occasional updates, articles or offers relating to our services. These communications will always include a simple way to opt out, and you may also ask us at any time to stop contacting you for marketing purposes by emailing ceo@auzmortgagesolutions.online. We will action any opt-out request promptly and free of charge.

8. Data quality

We take reasonable steps to ensure that the personal information we collect, use and disclose is accurate, up to date, complete and relevant. If you believe any information we hold about you is incorrect or out of date, please let us know so we can update our records.

9. Data security and retention

We hold personal information in secure electronic systems and, in some cases, in physical files. We use a range of measures, including access controls, password protection and secure disposal practices, to protect personal information against misuse, interference, unauthorised access, modification or disclosure. We retain personal information only for as long as necessary to provide our services, to comply with our legal obligations (including record-keeping requirements that may apply to finance and consulting records) and to resolve any disputes, after which it is securely destroyed or de-identified.

10. Access to and correction of your personal information

You may request access to the personal information we hold about you, and ask us to correct information that you believe is inaccurate, out of date, incomplete, irrelevant or misleading. We will respond to your request within a reasonable period. In some circumstances permitted by the Australian Privacy Principles, we may decline access — for example, where providing the information would breach someone else's privacy or the law — and we will explain our reasons if this occurs.

11. Cookies and website analytics

Our website uses cookies and similar technologies to remember your preferences, understand how visitors use the site and improve its performance. Most browsers allow you to refuse cookies or delete them through your browser settings; however, blocking cookies may affect some features of the website. Analytics data is used in aggregate form and is not intended to identify individual visitors.

12. Links to other websites

Our website may contain links to third-party websites, such as lenders, regulators or industry associations. We are not responsible for the privacy practices of those websites, and we encourage you to review their privacy policies before providing them with any personal information.

13. Anonymity

Where it is lawful and practicable, you may deal with us anonymously or using a pseudonym — for example, when browsing our website or making a general enquiry. However, if you require us to arrange finance or provide formal advice, we will generally need to identify you in order to proceed.

14. Complaints and privacy enquiries

If you have a question about this policy, or if you believe we have breached the Australian Privacy Principles or the Privacy Act 1988 (Cth), please contact us by email at ceo@auzmortgagesolutions.online. Please include enough detail for us to investigate your concern. We will acknowledge your complaint promptly and aim to provide a written response within 30 days. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or on 1300 363 992.

15. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices, the law or our website. The current version will always be published on this page, together with the date of the most recent update. Continued use of our website or services after an update constitutes acceptance of the revised policy.