Privacy Policy

1. About this policy

This Privacy Policy applies to all personal information collected by WeBroke in connection with our mortgage broking services, website (webroke.com.au), and any related services. By using our website or engaging our services, you consent to the collection and use of your personal information as described in this policy.

2. What personal information we collect

We may collect the following types of personal information:

• Identity information: full name, date of birth, gender
• Contact information: address, phone number, email address
• Financial information: income, assets, liabilities, credit history, bank statements, tax returns
• Employment information: employer details, employment status, income verification
• Property information: property address, purchase price, property valuation
• Government identifiers: Tax File Number (TFN), Medicare number (where required)
• Credit information: credit reports, repayment history, credit enquiries
• Website usage data: IP address, browser type, pages visited, cookies

3. How we collect your information

We collect personal information:

• Directly from you when you complete our online enquiry form, contact us by phone or email, or engage our services
• From third parties such as credit reporting bodies (e.g. Equifax, Experian, illion), lenders, and other financial institutions
• From publicly available sources
• Through our website via cookies and analytics tools

4. Why we collect and use your information

We collect and use your personal information to:

• Assess your eligibility for credit products and provide credit assistance
• Prepare and submit loan applications on your behalf
• Liaise with lenders, valuers, and other parties on your behalf
• Comply with our legal obligations under the National Consumer Credit Protection Act 2009 and ASIC regulations
• Provide you with information about our products and services
• Improve our website and services
• Manage our relationship with you

5. Disclosure of your information

We may disclose your personal information to:

• Lenders and credit providers to whom we submit loan applications
• Credit reporting bodies for the purpose of credit assessment
• Mortgage insurers (e.g. Genworth, QBE) where applicable
• Valuers and property professionals
• Legal and conveyancing professionals
• Our aggregator and compliance service providers
• ASIC and other regulatory bodies as required by law
• IT service providers and cloud storage providers (subject to confidentiality obligations)

We do not sell your personal information to third parties.

6. Credit information

As a credit assistance provider, we handle credit information in accordance with the Privacy Act 1988 and the Credit Reporting Privacy Code. This includes:

• Obtaining credit reports from credit reporting bodies with your consent
• Disclosing credit information to lenders as part of loan applications
• Maintaining the security and accuracy of credit information

7. Storage and security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure. Your information is stored securely using industry-standard encryption and access controls. We retain your information for as long as required by law or our legitimate business purposes.

8. Overseas disclosure

Some of our service providers may be located overseas. Where we disclose personal information to overseas recipients, we take reasonable steps to ensure they handle your information in accordance with the APPs or equivalent protections.

9. Cookies and website analytics

Our website uses cookies and analytics tools to improve your experience and understand how our website is used. You can disable cookies through your browser settings, though this may affect website functionality.

10. Your rights

You have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Complain about a breach of the APPs or Credit Reporting Privacy Code
• Opt out of direct marketing communications

To exercise these rights, contact us at [email protected] or by post.

11. Complaints

If you have a complaint about how we have handled your personal information, please contact us in the first instance. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or the Australian Financial Complaints Authority (AFCA) at www.afca.org.au.

12. Changes to this policy

We may update this Privacy Policy from time to time. The current version will always be available on our website. Continued use of our services after any changes constitutes your acceptance of the updated policy.

13. Contact us

For privacy-related enquiries: