Privacy Policy

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At MortgageBricks, a Bricks Finance company, we prioritize safeguarding your personal information. This privacy policy outlines how Bricks Finance Services Pty Ltd (ACN 674 964 615) and its related entities, including MortgageBricks, collect and use your personal information. We refer to these entities collectively as "we", "us", or "the group". Bricks Finance Service Pty Ltd holds the Australian Credit Representative 557277.

This privacy policy details our commitment to respecting your privacy rights in accordance with the National Privacy Principles contained in the Privacy Act 1988 (Cth). It includes our Privacy Collection Statement and addresses various requirements of the Privacy Act, such as:

• Our identity and contact details
• The facts and circumstances, and the purposes, of the collection of personal information
• The consequences for you if personal information is not collected
• Other entities, bodies, or persons to which personal information is usually disclosed
• Information about access, correction, and complaints regarding the handling of your personal information

By providing us with your personal information, you consent to our collection, use, and disclosure of this information in accordance with this privacy policy and any other agreements between us. We may update our privacy policy periodically by posting changes on our website. We encourage you to review our website regularly to stay informed of our current privacy policy.

When we refer to personal information, we mean information or an opinion that can identify you. This includes, but is not limited to, your name, age, date of birth, current and previous addresses, phone numbers, email address, bank details, job title, driver’s license number, passport details, and financial information.

Personal information also includes details about products and services you have acquired through us or have inquired about, including their status, and any additional information necessary to provide those products and services and respond to your inquiries.

Credit information, a subset of personal information, is used to assess your eligibility for finance. It may include your outstanding finance, repayment history, and any defaults. This information is typically exchanged between credit and finance providers and credit reporting bodies (CRBs). Personal information derived by a CRB from credit information held by the CRB that has any bearing on an individual’s creditworthiness is known as "CRB Derived Information."

If you provide us with personal information about others, such as joint applicants, co-applicants, guarantors, or your authorized representatives, you must inform them that you have given us their information, ensure they consent to this, and inform them about this policy and how they can contact us for further information.

We may collect personal information in various ways, including:

• Directly from you, such as through phone calls, application forms, agreements, our website, or any other interactions with us
• From your joint applicants, co-applicants, or guarantors
• When you visit our websites
• From your representatives, such as solicitors, conveyancers, builders, or agents
• From referral partners who refer your business to us
• From third-party sources, such as suppliers, social media, or other third-party integrations

If we have obtained your personal information through any of these methods and you would like a list of these entities or websites, or if you wish to be removed from our call or email lists, please contact us at admin@mortgagebricks.com.au.

We collect personal information about you to assess your suitability and eligibility for obtaining a mortgage or other services.

We automatically collect certain technical data from the computer, mobile device, and/or browser you use to access our website ("Automatic Data"). This includes, but is not limited to, a unique identifier associated with your access device and/or browser (e.g., your Internet Protocol (IP) address), characteristics of your access device and/or browser, statistics on your activities on the website, details of any services we have provided to you or that you have inquired about, or information about how you came to the website. We collect Automatic Data based on your consent granted when you accepted this privacy policy.

We use your personal information to:

• Conduct our business or provide any services, such as determining whether you qualify for a loan
• Complete transactions related to that personal information, such as completing loan application forms
• Communicate information about our products and services to you
• Fulfill our internal administrative, marketing, planning, product development, and research requirements
• Update third-party referrers on the status of your loan for commission purposes

You can opt out of receiving communications from us at any time (other than those required for our business operations) by contacting your broker or our inbox at admin@mortgagebricks.com.au.

We may disclose personal information for the purposes described in this privacy policy to:

• Our employees
• Our related bodies corporate
• Our brokers, approved panel of lenders, service providers, and agents used in our business operations
• Third-party suppliers and service providers (including those for our website operation or business services)
• Professional advisers, dealers, and agents
• Payment systems operators (e.g., merchants receiving card payments)
• Our existing or potential agents, business partners, or partners
• Sponsors or promoters of any competitions conducted via our services
• Entities to whom our assets or businesses are transferred
• Specific third parties authorized by you to receive information held by us
• Other persons, including government agencies, regulatory bodies, and law enforcement agencies, as required, authorized, or permitted by law

Your personal information may be disclosed within the Shore Financial group to facilitate transactions or enable us to conduct our business properly.

We will only use and disclose your personal information for the purposes for which it was collected, including:

• Determining whether you qualify for a loan
• Assisting you in finding a suitable loan
• Internal or administrative purposes, such as data processing, printing, or mailing
• Updating referrers on the general progress of your loan (excluding sensitive information)
• Offering other financial services you may require
• Enabling you to access and use our website and purchase our products or services
• Operating, protecting, improving, and optimizing our business, website, and customer experience
• Sending you service, support, and administrative messages, reminders, technical notices, updates, security alerts, and information requested by you
• Sending you marketing and promotional messages and other information that may interest you, including information from our business partners
• Administering rewards, surveys, contests, or other promotional activities or events
• Complying with our legal obligations, resolving disputes, and enforcing our agreements

If your personal information is disclosed to third parties, they are prohibited from using it for any other purpose. We will only disclose the necessary information for them to perform their services. We do not disclose personal information unless required by law or regulation.

You may request a list of the personal information we hold about you and copies of that information at any time. We will endeavor to provide this data within 30 days of your request and may charge a small fee to cover administrative costs. If we cannot provide all of your personal information, we will explain why. We may also need to verify your identity when you request your personal information.

If you believe we hold inaccurate or incomplete data about you, you may ask us to correct it. We will consider if the information requires amendment. If we do not agree, we will add a note to the personal information stating your disagreement.

We take reasonable steps to protect your personal information from misuse, loss, unauthorized access, modification, or disclosure. This includes:

• Confidentiality requirements for our employees
• Document storage security policies
• Security measures for access to our systems
• Verification processes for personal information access
• Electronic security systems, such as firewalls and data encryption on our website

We have a response plan for suspected data breaches to mitigate potential harm to affected individuals. However, we cannot guarantee the security of your personal information. We may store your information in cloud or other networked storage, accessible from various countries. If stored this way, disclosures may occur in countries other than those listed here. We regularly review security and encryption technologies, but email and internet use may not always be secure.

When no longer required, we take reasonable steps to destroy or de-identify personal information. However, it may not always be possible to completely remove all traces of the information. The same security safeguards will protect the information as detailed in this policy. Access to our computer systems is restricted through password protection requiring two-step authentication. If no longer needed, personal information is destroyed or de-identified.

We have a formal procedure for handling privacy breaches or complaints. You can refer to our Internal Dispute Resolution policy for more information.

If you are dissatisfied with our Internal Dispute Resolution response, you can make a formal complaint to our External Dispute Resolution provider, the Australian Financial Complaints Authority (AFCA). AFCA can consider certain privacy complaints relating to either the provision of credit or Credit Reporting Information in general. You can contact AFCA on:

• Tel: 1800 931 678
• Email: info@afca.org.au
• Web: www.afca.org.au
• Post: Australian Financial Complaints Authority, GPO BOX 3, MELBOURNE VIC 3001

Time limits may apply to complain to AFCA, so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.

Under the Privacy Act, you may make a complaint to the Office of the Australian Information Commissioner (OAIC) about the way we handle your personal information. The OAIC can be contacted at www.oaic.gov.au or by calling 1300 363 992.

Contacting us and feedback 

You can make any requests relating to your personal information held by us or any complaints regarding treatment of your privacy by contacting:

Address: 88 Fairway Drive, Norwest NSW 2153

Email: ranjit@mortgagebricks.com.au

Phone: 0428 033 000