Privacy Policy

Infinity mortgage is committed to protecting your privacy. This policy explains how we handle your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. What information we collect

We may collect the following types of personal information when you use our website, complete an assessment form, or communicate with our brokers:

• Identity information: name, date of birth, residential address, driver’s licence, passport.
• Contact details: phone number, email address.
• Financial information: income, employment details, assets, liabilities, bank statements, tax returns.
• Credit information: credit history, repayment records, defaults (with your consent).
• Technical data: IP address, browser type, cookies, usage analytics (via Google Analytics).

2. How we collect your information

We collect information directly from you via:

• Online assessment forms, contact forms, or email enquiries.
• Phone calls, video meetings, or in‑person consultations.
• Third‑party sources (with your consent) such as credit reporting bodies, lenders, or employers.
• Cookies and website analytics – you can adjust your browser settings to disable cookies.

3. Why we collect your information

Your personal information is used only for legitimate purposes related to our mortgage broking services:

• To assess your borrowing capacity and match you with suitable lenders.
• To submit loan applications and supporting documents to lenders.
• To comply with our legal obligations under the National Consumer Credit Protection Act and anti‑money laundering laws.
• To improve our website, calculators, and customer service.
• To send you important updates about your loan or relevant offers (you may opt out at any time).

4. Disclosure of your information

We do not sell or rent your personal data. We may share your information with:

• Lenders and financial institutions – to process your loan application.
• Credit reporting bodies – as authorised by you to obtain credit reports.
• Third‑party service providers – such as IT platforms, document storage, or SMS providers (under strict confidentiality agreements).
• Regulatory authorities – if required by law (e.g., AFCA, ASIC, AUSTRAC).

5. Storage and security

We use industry‑standard security measures (encryption, firewalls, secure servers) to protect your data. Access is restricted to authorised staff only. While we strive to protect your information, no online transmission is 100% secure; you share data at your own risk.

6. Credit reporting and your rights

With your consent, we may access your consumer credit report from an accredited credit reporting body (Equifax, Experian, or illion). You have the right to:

• Request a free copy of your credit report annually.
• Correct inaccurate information held by the credit reporting body.
• Complain about mishandling of your credit information.

7. Cookies and website tracking

Our website uses cookies to enhance user experience, analyse traffic, and improve our calculators. You can disable cookies in your browser settings; however, some features may not function properly.

8. Your privacy rights

Under Australian Privacy Principles, you have the right to:

• Access the personal information we hold about you (free of charge).
• Request correction of inaccurate or outdated data.
• Withdraw your consent for certain processing (e.g., marketing emails).
• Lodge a complaint if you believe your privacy has been breached.

To exercise these rights, contact our Privacy Officer using the details below.

9. Data retention

We retain your information for as long as necessary to fulfil the purposes described, including legal, accounting, or regulatory requirements (typically 7 years). After that, we securely delete or anonymise your data.

10. Third‑party links

Our website may contain links to external sites (e.g., lender calculators). We are not responsible for the privacy practices or content of those third parties. Please review their privacy policies independently.

11. Changes to this policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with a revised “effective date”. We encourage you to review it periodically.

12. Complaints and contact

If you have any concerns about how we handle your personal information, please contact us first. You may also lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.