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Our Terms and Privacy Policy

Loan Lifters

Loan Lifters Pty Ltd (referred to as "Loan Lifters," "we," "our," or "us") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy outlines how we collect, use, disclose, and protect your information in compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. What information we collect

We may collect personal information about you, including but not limited to:

Full name
Date of birth
Contact details (e.g., phone number, email address, residential address)
Financial information (e.g., income, expenses, credit history, and banking details)
Employment details and business information
Government identifiers such as tax file numbers (TFNs) and driver's license numbers (where legally permitted)
Information related to your credit needs, objectives, and preferences

2. How we collect information

We collect personal information in various ways, including:

Directly from you via forms, phone calls, emails, or in-person meetings
From third parties, such as credit reporting agencies, financial institutions, and employers (with your consent)
Through our website, including cookies and analytics tools

3. Why we collect your information

We collect and use your personal information to:

Provide mortgage broking and financial services
Assess your credit application and determine suitable loan products
Meet our legal and regulatory obligations
Communicate with you about our services, promotions, and updates
Improve our services and customer experience

4. Disclosure of Personal Information

We may disclose your personal information to:

Financial institutions, lenders, and insurers
Credit reporting bodies and other service providers
Regulatory bodies, such as the Australian Securities and Investments Commission (ASIC)
Professional advisers, such as lawyers and accountants
Third parties with your consent or as required by law

5. Credit Information

As part of our services, we may collect and handle credit-related information, including:

Credit scores and credit reports from credit reporting bodies
Details about credit accounts you hold

We comply with the Credit Reporting Privacy Code and only use credit information to assist in providing credit services.

6. Security of your information

We take reasonable steps to protect your personal information from unauthorised access, misuse, loss, or disclosure. Measures include:

Secure storage systems
Restricted access to personal information
Encryption of sensitive data

7. Your Rights

You have the right to:

Access the personal information we hold about you
Request corrections to your information if it is inaccurate or incomplete
Opt out of receiving marketing communications from us
To exercise your rights, please contact us using the details below

8. Cookies and Website

Our website may use cookies to enhance your browsing experience. Cookies collect non-personal information such as your browser type and pages visited. You can disable cookies through your browser settings.

9. Third-Party Links

Our website may include links to third-party websites. We are not responsible for the privacy practices of these external sites.

10. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The latest version will always be available on our website.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or wish to access or correct your information, please contact us at: harley@loanlifters.com.au