Privacy Policy

We are committed to respecting and protecting the privacy of everyone who uses our website, mortgage comparison tools, matching quizzes, scenario calculators, and referral services. This Privacy Policy outlines our practices regarding the collection, use, disclosure, storage, and handling of your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. Information We Collect

We collect personal information that is reasonably necessary to provide broker discovery, algorithmic matching, mortgage calculation, and referral services. Depending on how you interact with our platform, we may collect:

• Form, Quiz & Calculator Submissions: Information you voluntarily enter into our matching funnels, scenario diagnosis forms, loan calculators, review submissions, and correction forms, including loan purpose (e.g. buying a first home, refinancing, investing, commercial), target property value, estimated loan balance, deposit amount, and self-described financial context.
• Contact Details: Your full name, phone number (mobile or landline), email address, suburb, state, and postcode.
• Technical, Device & Usage Data: Your IP address, browser type and version, device identifiers, operating system, pages viewed, time spent on pages, referral source, clickstream data, and navigation patterns.
• Cookies & Tracking Technologies: Identifiers placed via cookies, pixels, and tracking tags (including Google Tag Manager, Google Analytics 4, Microsoft Clarity, and Meta Pixel) to monitor session behavior, optimize funnel performance, and measure marketing campaigns.
• Campaign & Attribution Data: Information regarding how you arrived at our platform (e.g. search engine queries, ad campaigns, affiliate links).
• Communications & CRM Records: Records of phone calls, SMS interactions, email exchanges, AI conversation transcripts where applicable, customer support enquiries, and lawful call recordings where used for quality, compliance, and verification purposes.

2. How We Use Your Information

We use the personal and scenario information we collect for the following primary and related secondary purposes:

• Enquiry Response & Service Delivery: To process your requests, calculate financial scenarios, and fulfill your enquiries.
• Broker Matching & Introductions: To analyze your scenario criteria against our directory and match you with accredited mortgage brokers and finance specialists in your target location.
• Direct Contact & Communications: To contact you via phone, SMS, email, or messaging regarding your enquiry, loan scenario, and broker introductions.
• Automated & AI-Assisted Follow-Up: To operate automated communication workflows and notifications powered by technology by AIEX to ensure prompt connection with matching brokers.
• Platform Analytics & Optimization: To monitor user behavior, audit calculator accuracy, improve matching logic, and refine user experience.
• Fraud Prevention & Platform Security: To detect, investigate, and prevent fraudulent submissions, spam, unauthorized access, and abusive conduct.
• Customer Support & Dispute Resolution: To assist you with queries and handle feedback or complaints.
• Marketing & Updates: Where permitted by law or where you have consented, to send you relevant mortgage guides, market updates, and service announcements. You may opt out at any time.

3. Disclosure of Personal Information

To deliver our discovery and referral platform, we may disclose your information to selected third parties, including:

• Accredited Mortgage Brokers: Licensed finance brokers and brokerages selected based on your scenario, location, and borrowing requirements.
• Lenders & Financial Institutions: Relevant credit providers or aggregator desks where necessary to facilitate your specific enquiry.
• Commercial & Industry Partners: Trusted partners directly involved in delivering the services you requested.
• Technology & Infrastructure Providers: Third-party providers of CRM systems, telecommunications, email and SMS delivery gateways, AI and automation infrastructure (including AIEX platform technology), cloud hosting, and database management.
• Analytics & Advertising Partners: Digital measurement platforms (such as Google, Microsoft, and Meta) that analyze aggregate usage and marketing effectiveness.
• Professional Advisers: Our legal, accounting, audit, and compliance advisers.
• Regulatory Authorities & Law Enforcement: Government agencies, statutory bodies (e.g. ASIC, ATO), or law enforcement officials where required or authorized by Australian law.

4. Overseas Data Disclosure & Cloud Processing

Some of our third-party technology providers, cloud server hosts, database services, and AI automation tools maintain infrastructure located outside of Australia (including in the United States, Singapore, and member states of the European Union).

By submitting your information through our platform, you acknowledge and agree that your personal data may be transferred, stored, and processed on servers located overseas. We take reasonable contractual and operational steps to ensure that overseas service providers handle personal information securely and consistently with Australian Privacy Principles.

5. Data Retention & Storage

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, satisfy commercial and legal record-keeping requirements, comply with statutory obligations, and resolve any disputes. When personal information is no longer required, we take reasonable steps to securely delete, de-identify, or destroy it.

6. Security of Your Information

We implement technical, physical, and administrative security measures — including SSL encryption, secure API integrations, role-based access controls, and firewalled cloud environments — to protect your data from unauthorized access, loss, misuse, modification, or disclosure.

7. Your Rights: Access, Correction & Deletion

Under the Australian Privacy Principles, you have the right to:

• Request Access: Obtain a copy of the personal information we hold about you.
• Request Correction: Ask us to update or correct inaccurate, outdated, incomplete, or misleading information.
• Request Deletion: Request the erasure of your personal data, subject to legal and regulatory retention obligations.

To exercise any of these rights, please contact our privacy representative using the details provided below. We will respond to your request within a reasonable period (typically within 30 days).

8. Withdrawing Marketing Consent (Opt-Out)

You can withdraw your consent to receive marketing communications from us at any time by:

• Clicking the “unsubscribe” link included in any marketing email;
• Replying “STOP” to any promotional SMS message; or
• Submitting an opt-out request through our Complaints & Feedback Page.

9. Cookies & Tracking Technologies

Our website uses cookies, web beacons, and similar tracking tools to enhance site navigation, analyze traffic, and personalize content. You can modify your browser settings to refuse cookies or alert you when cookies are being sent. Please note that disabling certain cookies may affect the full functionality of our calculators and interactive matchers.

10. Complaints & Privacy Concerns

If you have concerns about how your personal information has been handled or believe we have breached the Australian Privacy Principles, please visit our Complaints Page or reach out to us using the contact details below.

We will investigate your complaint promptly and provide a written response within 30 days. If you are not satisfied with our resolution, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect technological changes, regulatory requirements, or updates to our operational processes. Any changes will be posted on this page with an updated effective date. Continued use of the platform after changes are posted constitutes acceptance of the revised policy.