Privacy Policy
Last Updated: 18/03/25
Your Finance Guide ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information in compliance with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
1. Who We Are
Your Finance Guide operates under the licence and compliance of The Mortgage Group Pty Ltd (ACL 505575). As part of our operations, we may collect and share necessary personal information with lenders, brokers, and financial institutions to assist with your financial needs.
2. Collection of Personal Information
We collect personal information to provide our financial services effectively. The types of personal information we may collect include:
- Identification details: Name, date of birth, contact information (phone, email, address).
- Financial information: Income details, assets, liabilities, credit history.
- Employment details: Job title, employer name, length of employment.
- Transaction details: Records of interactions with us.
- Technical information: IP addresses, browser type, and cookies when you use our website.
We collect this information directly from you, third-party financial institutions, government agencies, or credit reporting bodies where required.
3. How We Use Your Information
Your personal information is used for the following purposes:
✅ To assess your eligibility for financial products and services.
✅ To process applications for asset finance, home loans, and other financial services.
✅ To communicate with you about our services, promotions, and updates.
✅ To comply with legal and regulatory obligations under Australian financial laws.
✅ To enhance user experience and improve our website.
We do not provide financial, tax, or legal advice but may refer you to qualified professionals where necessary.
4. Disclosure of Your Information
We may disclose your personal information to:
🔹 The Mortgage Group Pty Ltd (ACL 505575) for compliance and regulatory purposes.
🔹 Banks, lenders, and financial institutions to process loan applications.
🔹 Government authorities, regulators, or law enforcement where required by law.
🔹 Credit reporting agencies to assess financial suitability.
🔹 Service providers, including IT support, marketing agencies, and analytics platforms.
🔹 Professional advisors such as accountants, lawyers, or auditors.
🚫 We will NOT sell or rent your personal information to third parties for marketing purposes.
5. Security of Your Personal Information
We implement strict security measures to protect your personal information from unauthorised access, loss, misuse, or disclosure, including:
🔒 Secure data storage and encryption to protect sensitive information.
🔒 Restricted access to personal information, limited to authorised personnel only.
🔒 Regular security audits to identify and mitigate risks.
While we take every precaution, no online data transmission is 100% secure. By using our services, you acknowledge the inherent risks associated with data sharing.
6. Access and Correction of Your Information
You have the right to access and correct your personal information. If you believe any information we hold is incorrect, incomplete, or outdated, you may request an update by contacting us:
📧 Email: [email protected]
📞 Phone: +61 455 221 921
We will respond within a reasonable timeframe in accordance with Australian privacy laws.
7. Cookies and Website Analytics
When you visit our website, we may use cookies and analytics tools to enhance your experience. These technologies help us:
📊 Track how visitors interact with our website.
📊 Improve site functionality and performance.
📊 Deliver more relevant content and advertisements.
You can manage cookie settings in your browser.
8. Marketing and Opt-Out
We may send you marketing communications about our financial services. If you no longer wish to receive such communications, you can opt out by:
📩 Clicking the "unsubscribe" link in our emails.
📞 Contacting us directly at [email protected].
We will process opt-out requests promptly.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in:
📌 Legal or regulatory requirements.
📌 Our business operations.
📌 Industry best practices.
Any updates will be posted on our website with the revised date.
10. Complaints and Contact Information
If you have concerns about how we handle your personal information, you can file a complaint by contacting us. If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
For any privacy-related inquiries, please contact us:
📧 Email: [email protected]
📞 Phone: +61 455 221 921