Mortgage Broker Balgowlah Heights
Privacy Policy
This Privacy Policy explains how Your Mortgage Broker Balgowlah Heights ("we", "us", "our") handles personal information collected through mortgagebrokerbalgowlahheights.com.au and in the course of providing credit assistance. Your Mortgage Broker Balgowlah Heights is a representative of Zanda Wealth Mortgage Brokers (ABN 88 120 513 537). Credit Representative 370592 is authorised under Australian Credit Licence 389328. We handle your information in line with the Australian Privacy Principles under the Privacy Act 1988 (Cth) and, where we collect credit information, the credit reporting provisions in Part IIIA of that Act.
Information We Collect
We collect the personal information you give us when you enquire about a home loan: your name, phone number, email address, the suburb you are buying or refinancing in, and what you tell us about your goals. If you proceed to an application we collect the information a lender needs to assess it, which may include identification documents, income and employment details, assets and liabilities, living expenses and credit history.
We also collect limited technical information automatically when you visit mortgagebrokerbalgowlahheights.com.au, such as device type, browser, pages viewed and the general location implied by your IP address. This is standard website analytics data and is not used to identify you personally.
Why We Collect It
We use your information to respond to your enquiry, assess which lenders and loan structures may suit you, prepare and lodge applications with your consent, meet our obligations under the National Consumer Credit Protection Act 2009 (Cth), including responsible lending assessments, and keep you informed while your loan runs. We do not sell your personal information and we do not use it for unrelated marketing without your consent.
Who We Share It With
With your consent we share your information with the lenders and lenders mortgage insurers you apply to, with [LICENSEE NAME] as the credit licensee responsible for our conduct, and with the aggregator, software and identity-verification providers used to lodge applications. We also rely on trusted providers to run this website and our enquiry process, including hosting, analytics and phone call-tracking services. They only handle your information to provide their service to us and are required to keep it secure.
Credit Reporting
If you apply for a loan, the lender may obtain a credit report about you from a credit reporting body. We will tell you which body before that happens and how to obtain their policy on managing credit information.
Keeping Your Information Secure
We take reasonable steps to protect the information we hold from misuse, loss, unauthorised access, modification and disclosure. Only the people who need your details to assist with your enquiry or application can access them.
Accessing or Correcting Your Information
You can ask us at any time what personal information we hold about you, and ask us to correct it. Call (02) 9072 0640 or use the contact page and we will respond within a reasonable time. If you are not satisfied with how we handle a privacy concern you may complain to the Office of the Australian Information Commissioner.
Changes to This Policy
We may update this policy from time to time. The current version is always published on this page.