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Privacy Policy - here's a structure for The Digital Brokerage:
Privacy Policy
Last updated: [Date]
Overview
The Digital Brokerage Pty Ltd (ABN: [NUMBER], Australian Credit License: [NUMBER]) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
Information We Collect
We collect personal information necessary to provide mortgage broking services, including:
- Contact details: name, email address, phone number, residential address
- Financial information: income details, employment information, assets, liabilities, expenses, credit history
- Identification documents: driver's license, passport, Medicare card (for verification purposes)
- Property information: details about properties you're purchasing, refinancing, or using as security
- Loan preferences: borrowing amount, loan purpose, property type
We collect this information directly from you through our website forms, calculators, email correspondence, phone conversations, and face-to-face meetings.
How We Use Your Information
We use your personal information to:
- Assess your borrowing capacity and loan serviceability
- Compare loan products from our panel of lenders
- Prepare and submit loan applications on your behalf
- Provide ongoing loan management and support services
- Comply with legal and regulatory obligations including anti-money laundering and responsible lending requirements
- Improve our services and website functionality
- Send you relevant information about home loans, interest rates, and our services (you can opt out at any time)
Who We Share Your Information With
We may disclose your personal information to:
- Lenders and financial institutions to assess and process your loan application
- Credit reporting bodies when required for credit assessments
- Professional service providers including valuers, conveyancers, accountants, and financial planners involved in your transaction
- Our service providers who assist with IT, marketing, and administrative functions
- Government agencies and regulators when required by law
We do not sell your personal information to third parties for marketing purposes.
Data Security
We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. This includes secure data storage, encrypted transmission of sensitive information, and restricted access to personal data.
However, no method of electronic transmission or storage is completely secure. While we strive to protect your information, we cannot guarantee absolute security.
Your Rights
Under the Privacy Act, you have the right to:
- Access your personal information we hold
- Correct inaccurate or outdated information
- Request deletion of your information (subject to our legal obligations to retain certain records)
- Opt out of marketing communications
- Make a complaint if you believe we've breached your privacy
To exercise these rights, contact us at loans@thedigitalbrokerage.com.au or 1800 233 344.
Cookies and Website Analytics
Our website uses cookies and analytics tools to improve user experience and understand how visitors use our site. This may include:
- Session cookies to maintain calculator inputs and form data
- Analytics cookies to track page views and user behavior (aggregated and anonymized)
- Marketing cookies if you've consented to receive targeted content
You can manage cookie preferences through your browser settings.
Calculator Data
Information entered into our online calculators (borrowing capacity, stamp duty, repayments, refinance, purchasing power) is used to provide you with estimates and may be stored if you request a consultation or submit an enquiry. Calculator data is not shared with third parties unless you explicitly request we do so as part of a loan application.
Retention Period
We retain your personal information for as long as necessary to provide services and comply with legal obligations. Credit-related information is typically retained for 7 years in accordance with regulatory requirements.
Changes to This Policy
We may update this Privacy Policy from time to time. The current version will always be available on our website with the last updated date clearly displayed.
Contact Us
If you have questions about this Privacy Policy or how we handle your personal information:
The Digital Brokerage Pty Ltd
Email: loans@thedigitalbrokerage.com.au
Phone: 1800 233 344
Address: [business address]
Complaints
If you believe we have breached your privacy, please contact us first so we can attempt to resolve the issue. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
What needs customizing:
- ABN number
- ACL number
- Business address
- Date
