Privacy Policy

In this Privacy Policy, the expressions ‘we’, ‘us’, and ‘our’ refer to Direct Mortgages Wollongong and our aggregator, Finsure Finance and Insurance Pty Ltd (ABN 72 068 153 926, Australian Credit Licence Number 384704), including its subsidiaries.

Our Commitment to Protect Your Privacy

We understand the importance of protecting your personal information. This document outlines our commitment to safeguarding the personal information we hold about you and how we manage it. It also details our approach to handling credit reports and other credit-related information.

Throughout your relationship with us, we may provide additional information on how we handle your personal information through application forms or terms and conditions. We encourage you to read these documents carefully.

We are committed to complying with the Australian Privacy Principles as set out in the Privacy Act 1988 (Cth), the Privacy (Credit Reporting) Code 2014, and other relevant laws.

Personal Information

‘Personal information’ refers to information or an opinion about you from which your identity is reasonably apparent. This may include:

  • Your name, date of birth, address, email address, and phone number

  • Account details and occupation

  • Transaction history

  • Information required to identify you

If you apply for finance, we may also collect:

  • Details about your dependants and cohabitants

  • Duration at your current address

  • Employment details and proof of earnings and expenses

  • Tax File Number or tax residency status

When you visit our website, we may collect:

  • Location information

  • IP address

  • Mobile device and network information

  • Information about third-party sites you access

Credit-Related Information

We may collect, hold, and use credit-related information, which includes:

  • Credit information: Details about credit provided to you or that you have applied for, including the type, terms, amount, repayment history, default information, payment information, financial hardship arrangements, court proceedings, and publicly available information.

  • Credit eligibility information: Information supplied to us by a credit reporting body and any information we derive from it.

We use this information to assess your eligibility for finance. Typically, credit-related information is exchanged between credit and finance providers and credit reporting bodies.

How We Collect Your Personal Information

We collect your personal information through various means, including:

  • Direct interactions with you (e.g., applications, interviews)

  • Our website and online services

  • Third parties such as credit reporting bodies, employers, and other service providers

We will inform you when we collect your personal information and explain the purpose of its collection.

How We Use Your Personal Information

We use your personal information to:

  • Assess and process your finance application

  • Manage our relationship with you

  • Conduct marketing and promotional activities

  • Comply with legal and regulatory obligations

  • Improve our services and customer experience

Disclosure of Personal Information

We may disclose your personal information to:

  • Our aggregator, Finsure Finance and Insurance Pty Ltd

  • Credit reporting bodies

  • Financial institutions and lenders

  • Service providers and contractors

  • Regulatory bodies and government agencies as required by law

We ensure that these parties are bound by confidentiality and privacy obligations.

Security of Your Personal Information

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. This includes implementing physical, electronic, and procedural safeguards.

Access and Correction

You have the right to access the personal information we hold about you and request corrections if necessary. To do so, please contact us using the details provided below.

Complaints

If you have a complaint about how we handle your personal information, please contact us. We will investigate your complaint and respond within a reasonable timeframe. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The latest version will be available on our website. We encourage you to review it periodically.

Contact Us

For any questions, concerns, or requests regarding this Privacy Policy, please contact:

Direct Mortgages Wollongong
Phone: 0410 482 035
Email: julius@directmortgage.com.au