Privacy Policy.

This policy explains how we collect, use, store and disclose your personal information when you use this website, our online finance checkers, or otherwise deal with us.

What we collect

When you use one of our finance checkers, our contact form, or otherwise reach out to us, we collect the identity, contact, financial and employment details you provide — for example your name, phone number, email, and answers about your income, structure, property and borrowing needs. If you later provide supporting documents, we collect the information in those too. We also collect limited technical information automatically, such as device type and how you arrived at the site, via cookies and analytics (see “Cookies & analytics” below).

Why we collect it

We use your information to assess and arrange finance on your behalf, respond to your enquiry, and meet our legal and regulatory obligations as a credit licensee or credit representative. We only use your information for marketing — for example, sending rate updates or finance guides — if you’ve separately opted in to that; ticking our privacy consent alone never enrols you in marketing.

Who we share it with

To arrange finance for you, we typically share relevant details with the lenders and, where applicable, insurers involved in your application, and with our aggregator and licensee for compliance and record-keeping purposes. We also use service providers to run our business — for example hosting and database infrastructure (Supabase) and email delivery — who process information on our behalf under their own confidentiality and security obligations. Some of these providers may store or process information on servers located overseas; where that’s the case, we take reasonable steps to ensure your information continues to be handled consistently with Australian privacy law.

Credit information

Where your enquiry proceeds to a credit application, any credit information we collect, use or disclose is handled in accordance with the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code. A credit check against your credit file only ever happens once you choose to proceed with a lender application — not when you complete an online checker — and we’ll tell you before that happens.

Your rights — access and correction

You can ask us for access to the personal information we hold about you, or ask us to correct it if it’s wrong. If you think we’ve mishandled your information, contact us first using the details below; if you’re not satisfied with our response, you can complain to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

Marketing

You can opt out of marketing communications at any time — use the unsubscribe link in any marketing email, or reach us via our contact page. Opting out of marketing never affects our ability to respond to an active enquiry or application.

Cookies & analytics

We may use cookies and similar technologies, and analytics tools such as Google Analytics, to understand how the site is used and to improve it. These tools do not affect the credit-assistance service we provide. You can decline non-essential cookies through your browser settings; doing so won’t stop the site or our finance checkers from working.

Contact us about privacy

For any privacy question, access or correction request, reach us via our contact page.