Privacy Policy

This privacy policy relates to our management of personal information about borrowers and consumers, including your personal information collected in connection with a credit application or a credit facility.

Our commitment to protect your privacy

We understand how important it is to protect your personal information. This policy sets out how we collect and manage personal information we hold about you and what we do with it. Our commitment is to abide by the Australian Privacy Principles in the Privacy Act 1988 (Cth) and any other applicable law.

What is personal information?

"Personal information" has the meaning given in the Privacy Act. In general terms, it's any information that can be used to identify you, such as your name, address, phone number, email address and occupation. If you are reasonably identifiable from information we collect, it is personal information.

How we collect your personal information

If you deal with us directly, we generally collect personal information directly from you, in person, on the phone or electronically, including through our website, online application tools and social media channels. We may also collect it:

from joint applicants, co-applicants, guarantors or proposed guarantors, or from the loan applicant if you are a guarantor;
from your employer, real estate agent or other referees;
from third parties such as social media platforms, marketing websites, related companies, credit reporting bodies, lenders, law enforcement and other government agencies, and identity verification providers;
from your representatives, such as solicitors, accountants, conveyancers, builders and agents; and
when legally required to do so.

We may collect credit reporting information and credit eligibility information about you from credit reporting bodies and credit providers if you expressly authorise us to do so in writing as part of our credit assistance.

What personal information we collect and hold

Your name, date of birth, qualifications and documents used to verify your identity.
Your contact details, such as address, email and phone number.
Credit and financial information, including your tax file number, bank, super and insurance details, credit reports, income and expenses, assets and liabilities, and repayment history including any defaults.
Other information you submit as part of a finance application, such as dependants, time at your address, employment and proof of earnings and expenses.
Information about loans and finance products that relate to you, including transactions, audits, investigations, complaints and enquiries.
Information you provide through our website, online presence, contact centre or surveys.

Some information may be sensitive information, such as membership of trade or professional associations or unions, your criminal record or your health information.

Why we collect your personal information

To carry on our business and provide our products and services, including credit assistance.
To manage our relationship and communicate with you.
To give you information about loan products and related services.
To consider whether you are eligible for a loan, lease or related service, and to help you prepare an application.
To perform business processing and administrative functions.
To meet our obligations to third parties involved in your loan or lease, such as lenders and financiers.
To refer you to providers of insurance and other services, such as utility connections.
To manage risk, including fraud prevention, and meet our legal and regulatory obligations.
Where permitted by law, for direct marketing.
To comply with any law, regulation or binding direction of a regulator or government authority.

If you don't provide personal information, we may not be able to provide our services to the same standard or at all, meet our obligations to lenders (so your application may not be processed), tell you about products or promotions, or tailor our website to your preferences.

Who we disclose your personal information to

The mortgage aggregator through whom we submit loan or lease applications to lenders on its panel.
The Australian Credit Licence holder that authorises us to engage in credit activities.
Industry bodies, valuers, employers, referees, identity verification services and credit reporting agencies.
Prospective or actual lenders, lessors, mortgage insurers and other intermediaries.
Service providers, agents, contractors and advisers who help us run our business, including companies that host our IT systems or provide cloud services.
Associated businesses that may want to market products to you.
Anyone who represents you, such as a broker, real estate agent, conveyancer, lawyer or accountant.
Your guarantors or prospective guarantors.
Auditors, law enforcement agencies and regulators.
Anyone you have consented to, or where we are required by law, such as under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).
Investors, agents or advisers, or any entity with an interest in our business.

Disclosure outside Australia

We may disclose personal information to related bodies corporate and third-party suppliers and service providers located overseas for some of the purposes above, including in New Zealand, the Philippines and the United States of America. Your information may be stored on cloud servers outside Australia and accessed remotely. We take reasonable steps to ensure overseas recipients don't breach the privacy obligations relating to your information.

Automated decision-making

We may use computer systems to help identify products that may suit your circumstances and eligibility. We, not the system, decide which products to recommend or make available to you.

Direct marketing

From time to time we may use your personal information to send you information about finance, offers, changes to our organisation, or products and services offered by us or associated companies. You can opt out at any time by contacting us or using the unsubscribe link in our emails. We won't charge you for this.

Cookies, analytics and advertising choices

Where we seek your choice for optional tracking, you can accept, reject or change it using the Cookie settings link on our website. Rejecting optional tracking will not prevent you using our essential website features.

If optional advertising tracking is enabled, information such as pages visited, browser and device details and interaction events may be shared with the technology provider. We do not intentionally send loan application information, income details or other financial information to advertising platforms.

Our website uses essential technologies to provide its functionality. We may also use optional analytics and advertising technologies, including services provided by Meta (Facebook and Instagram), to understand how our website is used and assess the effectiveness of campaigns.

Accessing and correcting your personal information

You can ask for access to the personal information we hold about you at any time. We'll aim to respond within 30 days. In some situations we aren't required to give access, for example where the information relates to legal proceedings, and we'll explain why if we refuse.

If information we hold is incorrect, inaccurate or out of date, you can ask us to correct it. We'll give an initial response within seven days and, where reasonable, tell you within 30 days whether we've corrected it. If we refuse, we'll explain why and, if you ask, note that you disagree.

Government identifiers

If we collect government identifiers such as your tax file number, we only use or disclose them as required by law, and we don't use them as our identifier for you.

Dealing with us without identifying yourself

Where lawful and practicable, you can make general enquiries, for example about interest rates or promotions, without giving us personal information.

Security

The internet is inherently insecure, so we can't guarantee the security of information you send us online. We take reasonable steps to store your information securely, in paper and electronic form, and to protect it from misuse, loss and unauthorised access, modification or disclosure.

Complaints

If you're unhappy with how we've handled your personal information, please contact us, preferably in writing. We'll usually acknowledge your complaint within seven days and give you a decision within 30 days. If you're not satisfied, you can contact the Office of the Australian Information Commissioner at oaic.gov.au or on 1300 363 992.

Changes to this policy

We may revise this policy to reflect changes in the law or market practice. Changes apply to information we already hold and to information collected afterwards. Last updated: September 2026.

Contact us

FinMatters (R R Finance Consultants Pty Ltd)
31/410 Concord Rd, Rhodes NSW 2138
Phone 1300 130 341 · Email contact@finmatters.com.au