Privacy policy.

About this policy

This website allows consumers to fill in questionnaires, forms and surveys, loan applications, subscription services, and online enquiry forms. This policy explains how Maxfin collects, uses, holds, and discloses personal information and credit-related information about you in the course of providing finance broking and credit assistance services. Our privacy policy may change from time to time.

Collection and use of information

We may collect personal information from you directly or via your use of our services. We will only collect personal information that is reasonably necessary for, or directly related to, our functions or activities. To provide credit assistance, Maxfin typically collects:

• Identity information (name, date of birth, residential address, contact details)
• Employment and income information
• Asset and liability information
• Credit-related information (credit reports, credit history, default information)
• Information about the loan you are seeking and the security being offered
• Information from your accountant, employer, or financial institution where required

Information is generally collected directly from you. Where required, and with your consent, we may also collect information from third parties such as credit reporting bodies, lenders, your employer, your accountant, or referees.

Sensitive information

Sensitive information is any information about a person's racial or ethnic origin, political opinion, membership of a political association, religious beliefs or affiliations, philosophical beliefs, membership of a professional or trade association, membership of a trade union, sexual preferences or practices, criminal record or health information.

We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it will also be captured and stored.

Why we collect information

We use your information to:

• Assess your eligibility for credit and prepare credit assistance recommendations
• Submit applications to lenders on your behalf
• Manage and service your loan and our relationship with you
• Comply with our legal and regulatory obligations
• Communicate with you about products and services we provide

Disclosure of information

Your personal and credit information may be disclosed to:

• Lenders to whom we submit applications on your behalf
• Our aggregator, Loan Market Group, where required for compliance, audit, and platform-management purposes
• Credit reporting bodies, where you have consented to a credit report being obtained
• Lenders mortgage insurers, valuers, and conveyancers as required to settle the loan
• Professional service providers including legal, accounting, and IT providers under confidentiality obligations
• Government and regulatory bodies where required by law

Information from third parties

Our website also contains links to the websites of third-party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties.

Where you access a Third Party website from our website, cookie information, information about your preferences, or other information you have provided about yourself may be shared between us and the third party.

Advertising and tracking

When you view our advertisements on a Third Party website, the advertising company uses ‘cookies’ and in some cases ‘web beacons’ to collect information such as:

• the server your computer is logged onto;
• your browser type;
• the date and time of your visit; and
• the performance of their marketing efforts.

When you access our website after viewing one of our advertisements on a Third Party website, the advertising company collects information on how you utilise our website (eg which pages you view) and whether you complete an online application.

Cookies

We use ‘cookies’ to provide you with a better and more customised service and a more effective website. A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites, and you can choose if and how a cookie will be accepted by configuring your preferences and options in your internet browser.

We use cookies for different purposes such as:

• to allocate a unique number to your internet browsers;
• to customise our website for you;
• for statistical purposes;
• to identify if you have accessed a Third Party website; and
• for security purposes.

IP addresses

Your IP address is the identifier for your computer when you are using the internet. It may be necessary for us to collect your IP address for your interaction with various parts of our website.

Online applications

When you send a completed online application to us, we retain the information contained in that application. We can then use that information to provide any financial services that you require.

You can also suspend and save online applications, so you can complete and send the applications later. If you suspend or save your application, the information that you have entered will be retained in our systems so that you may recover the information when you resume your application. Online applications that have been suspended or saved may be viewed by us.

Security of information

The security of your information is very important to us. We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

We take all reasonable steps to protect the information in our systems from misuse, interference, loss, and any unauthorised access, modification or disclosure. If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).

Direct marketing

We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that kind of use or disclosure.

We may use your personal information for direct marketing purposes. If you do not wish to receive direct marketing communications from us or from other organisations, or wish to know the source of the information being used, you may submit a request to admin@maxfin.com.au. We will respond to your request as soon as practicable.

Disclosure to overseas entities

We do not generally disclose personal information obtained from cookies to overseas entities during our activities.

Access and correction

You may request access to the personal information we hold about you, and request that incorrect information be corrected, by contacting us at admin@maxfin.com.au or in writing to Hope Island, QLD 4212.

Complaints

If you have a privacy concern, please raise it with us first via our disputes and complaints process. If your concern is not resolved to your satisfaction, you may refer the matter to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

Contact

Please contact us on +61 403 895 110 if you would like further information.