Privacy Policy

Introduction

Home & Business Finance Pty Ltd (ACR No. 572853) understands and respects your privacy. We are committed to protecting the privacy of your personal information in accordance with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth). This policy outlines how we manage your personal information, including collection, use, disclosure, and security.

What is Personal Information?

Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not, and whether the information is recorded in a material form or not.

Collection of Personal Information

We collect personal information to provide you with the financial advice and brokerage services you request, including Home Loans, Refinance, Commercial Loans, and Asset Finance.

Information We Collect:

• Identification: Name, date of birth, address, email, and phone number.Financial Details: Income, employment history, assets, liabilities, existing loan details, credit history, and bank account details.Statutory Information: Details from driver's license, passport, and tax file numbers (where required by law).Sensitive Information: We may collect sensitive information (e.g., health information for insurance applications) with your explicit consent and only if it is directly relevant to the service we are providing.

How We Collect Information:

• Directly from you through our website forms, over the phone, via email, and in person.From third parties (with your consent), such as your lender, credit reporting bodies, employers, accountants, or conveyancers.

 Use and Disclosure of Personal Information

We use and disclose your personal information for the primary purpose for which it was collected, and for purposes related to that primary purpose.

Primary Purposes:

• Assessing your eligibility for finance products.Submitting loan applications on your behalf to lenders and credit providers.Managing your ongoing relationship with us and maintaining accurate records.Complying with our legal and regulatory obligations as a Credit Representative (ACR 572853).

Disclosure to Third Parties (with your consent):

• Lenders and Credit Providers: To process your finance application.Aggregator: Finsure Finance & Insurance Pty Ltd (ACL No. 384704), our principal, for compliance and licensing purposes.Service Providers: Accountants, solicitors, valuers, conveyancers, and credit reporting bodies necessary to complete the transaction.Referral Partners: If you were referred to us or we refer you to another professional (e.g., financial planner), with your prior consent.

We will never sell your personal information. 

Data Security

We take reasonable steps to protect the personal information we hold from misuse, interference, loss, unauthorised access, modification, or disclosure. This includes physical security over our office premises and secure electronic practices, including password protection, encryption, and restricted access rights for digital files. 

Accessing and Correcting Your Personal Information

You have the right to request access to the personal information we hold about you and to request that we correct any inaccurate or out-of-date information. Requests should be made in writing to Brenda Chung at the email address provided below. 

Contact Us

If you have any questions about this Privacy Policy or wish to make a privacy complaint, please contact:

Brenda Chung Home & Business Finance Pty Ltd (ACR No. 572853)

Email: brenda@homeandbusinessfinance.com.au Phone: 0405 075 863