PRIVACY POLICY

This is the privacy policy of The Mortgage Coach Australia Pty Ltd (ABN 66 674 211 673) (“we”, “our”, “us”), an Authorised Credit Representative of Uptick Marketing Pty Ltd (ABN 52 655 964 837, Australian Credit Licence 550981), trading as The Mortgage Coach.

This policy relates to personal information collected in the course of your interaction with us, or as a result of your request for us to provide you with our services.

Our contact details are as follows:

Address: 11 Dangar St, Moss Vale NSW 2577 Phone (John): +61 434 544 225 Phone (Bella): +61 424 267 567 Email: [insert contact email]

Protecting your privacy

At The Mortgage Coach, we are committed to protecting and maintaining the privacy, accuracy, and security of your personal information. We are committed to complying with the Privacy Act 1988 (Cth) (“Privacy Act”), the Australian Privacy Principles (“APPs”), and the Credit Reporting Privacy Code (“CR Code”).

The Mortgage Coach provides credit assistance and mortgage broking services. We do not provide financial planning advice, tax advice, legal advice, property investment advice, or personal financial product advice.

This policy outlines:

1. the kinds of personal information we may collect, and the purposes for which we do so;
2. how we collect, hold, use, and disclose your personal information;
3. how you can seek access to and correction of that information;
4. how you can make a complaint relating to our handling of your information; and
5. any third parties your information may be provided to.

You can request a hard copy of this policy at any time by contacting us.

Words defined in the Privacy Act and the APPs have the same meaning when used in this policy. In general terms, “personal information” is any information that can be used to identify you.

Personal information we collect and hold

We may collect and hold personal information about you which was either provided to us directly by you, by a referring individual, partner, or similar professional, or provided for the purpose of sourcing a lender or funder — such as a bank, non-bank lender, non-conforming lender, or private funder — via our aggregator (LMG or Nectar Broker Brands, as applicable) or our in-house consulting services.

Any information we receive from you or a referrer is provided with your consent on a voluntary basis. You understand and agree that we may receive a referral or commission payment for such activity requested by you.

Information we may collect includes:

1. your name, current and previous residential address details, and landlord or mortgage details including address and phone number;
2. age, date of birth, gender, and marital status;
3. government identifiers including, but not limited to, driver licence number, Medicare details, passport details, and tax file number;
4. email and other electronic addresses and telephone/mobile numbers;
5. financial information (including credit history), bank account and/or credit card details, assets, expenses, income, financial obligations, and dependants;
6. occupation, current and previous employment details, and business details (if applying as a business); and
7. sensitive information such as health and medical information, where you are seeking assistance related to financial hardship. We will only collect sensitive information with your specific consent, and only directly from you unless impracticable to do so.

We may also collect and disclose credit-related information to assess your creditworthiness and refer you to the lender or product you have requested. This may include:

1. identification information (name, date of birth, gender, current and previous addresses, driver licence number);
2. consumer credit liability information, including the type and amount of credit applied for and relevant dates;
3. repayment history information, including overdue payments (60+ days);
4. information requests made about you by a credit provider, mortgage insurer, or trade insurer;
5. default information concerning overdue payments (60+ days);
6. payment and new arrangement information relating to previously reported defaults;
7. court proceedings or personal insolvency information relevant to your creditworthiness;
8. publicly available information as to your creditworthiness; and
9. any credit infringement opinion provided by a credit provider.

If another party is named in a finance application, you must ensure that party has consented to the collection of their personal information and has authorised you to provide it.

We may also collect non-identifying information (information that does not identify you or any individual), such as aggregated website usage data described in the “Website” section below.

How we collect personal information

We collect personal information directly from you (or your authorised representative) during our dealings with you — by phone, in person, via our website enquiry forms, or by email. We may also collect information from third parties, including:

1. your accountant, financial adviser, property professional, or other mortgage brokers you’ve consented for us to speak with; and
2. publicly available sources.

All information we collect and hold is collected with your consent and authority.

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

We collect, hold, use, and disclose personal information where necessary to carry on our business functions, to provide the services you’ve requested, or to comply with the law. This includes:

1. developing, administering, and managing our services;
2. providing products and services and communications you’ve requested;
3. customising our services to your needs;
4. deciding whether to provide a product or service to you;
5. managing your account with us;
6. referring you to a suitable lender;
7. billing and debt collection purposes;
8. statistical and research purposes to improve our services;
9. subject to your right to opt out, direct marketing (email, SMS, phone, mail) regarding offers or promotions;
10. dealing with complaints; and
11. complying with the law.

If you do not provide requested information, we may be unable to provide our services to you, or to the standard you’d expect.

We will only use and disclose government-related identifiers to verify your identity, or as otherwise required by law.

Your personal information will not be shared, sold, or rented other than as described in this policy.

Anonymity and pseudonyms

You may deal with us anonymously or under a pseudonym where it is lawful and practicable to do so — for example, when requesting general information about our services.

Unsolicited personal information

If we receive personal information we did not request, we will assess whether we could lawfully have collected it. If not, we will destroy or de-identify it as soon as practicable.

Disclosure to third parties

We may disclose your personal information to:

1. parties you’ve named in your enquiry;
2. agents or suppliers acting on our behalf;
3. lenders, non-bank lenders, and other credit providers;
4. insurers, brokers, and distributors relevant to your enquiry;
5. contractors and service providers (e.g. mail houses, call centres, technology providers);
6. government bodies and law enforcement agencies, where required;
7. debt collectors and assignees, where applicable;
8. any entity involved in the sale or restructure of our business;
9. third parties you’ve authorised to act on your behalf (e.g. accountant, solicitor); and
10. our professional advisers (lawyers, auditors, accountants).

Overseas disclosure

Your personal information may be stored using service providers whose servers are located outside Australia. We take reasonable steps to ensure overseas recipients handle your information consistently with the APPs; however, overseas recipients may be subject to different (or no) privacy laws, and in some circumstances the protections and complaint rights available to you under the Privacy Act may not apply to that overseas handling. By using our services, you consent to this overseas storage and disclosure.

Direct marketing

We may send you direct marketing communications about our services and those of related companies or partners, via mail, SMS, or email, in accordance with the Spam Act 2003 (Cth). You may opt out at any time by contacting us or using the opt-out option in any marketing communication.

Security

We take reasonable steps to ensure personal information we hold is accurate, complete, and up to date, and to protect it from misuse, loss, or unauthorised access, using physical, electronic, and procedural safeguards. We destroy or de-identify information once it is no longer needed.

As the internet is inherently insecure, we cannot guarantee the security of information transmitted to us online, and any information you send us online is at your own risk.

Website

When you visit our website, we (or service providers on our behalf) may log standard technical data for statistical purposes — such as IP address, browser and operating system type, pages visited, and time/date of visit — to help us understand and improve how our website is used.

Our website may use cookies to support a better browsing experience. Cookies do not contain personal information and can be disabled in your browser settings, though this may limit some website functionality.

We are not responsible for the privacy practices of any third-party websites linked from our website.

Contacting us

If you have questions or a complaint about how we’ve handled your privacy, please contact our Privacy Officer using the details below. We will treat your enquiry confidentially and aim to resolve it in a timely manner.

Post: The Privacy Officer, The Mortgage Coach, 11 Dangar St, Moss Vale NSW 2577 Phone: +61 424 267 567 Email: [insert contact email]

Access to and correction of your information

You may request access to the personal information we hold about you at any time, in writing. We will respond within 30 days where possible, and will not charge you for making a request (though a reasonable fee may apply to providing access, where permitted by law).

We may refuse access in limited circumstances permitted under the Privacy Act (for example, where access would be unlawful or would prejudice an investigation), and we will provide written reasons if we do.

To request a correction, contact us with details of the requested change. If we don’t agree a correction is warranted, we will note your objection alongside the relevant information.

Complaints

If you believe we have not complied with our obligations under the Privacy Act, you can lodge a complaint with our Privacy Officer using the contact details above. We aim to resolve complaints within 30 days.

If you’re not satisfied with our response, you may also complain to the Office of the Australian Information Commissioner (OAIC):

Post: GPO Box 5288, Sydney NSW 2001 Phone: 1300 363 992 Website: www.oaic.gov.au/contact-us

Where your complaint relates to credit reporting information, you may also have the right to complain to the Australian Financial Complaints Authority (AFCA):

Website: www.afca.org.au Phone: 1800 931 678

Changes to this policy

We may update this policy from time to time without notice. Please check this page periodically. Continued use of our website or services after an update constitutes acceptance of the revised policy.

Copies of this policy

You may request a copy of this policy, including in hard copy, by contacting us using the details above.

 For media enquiries: Bella Maxwell, 0424 267 567