Privacy Policy

Introduction

Supreme Finance Solutions Pty Ltd (ABN: 30 672 441 235) ("we", "us", "our") is committed to protecting your privacy and complying with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you use our mortgage broking services.

1. Information We Collect

We may collect the following types of personal information:

• Contact details (name, email, phone number, address)
• Financial information (income, expenses, assets, liabilities, credit history)
• Employment details and history
• Identification documents (driver's license, passport)
• Information about your loan requirements and financial goals
• Information from credit reporting bodies
• Website usage data through cookies and analytics

We collect this information directly from you when you contact us, complete application forms, use our website, or through third parties such as credit reporting bodies and lenders.

2. How We Use Your Information

We use your personal information to:

• Assess your loan application and financial needs
• Provide mortgage broking services and financial advice
• Submit loan applications to lenders on your behalf
• Communicate with you about your application and our services
• Comply with legal and regulatory obligations
• Improve our services and website functionality
• Send you relevant information about our services (with your consent)

3. Information Sharing and Disclosure

We may share your personal information with:

• Lenders and credit providers to process your loan applications
• Credit reporting bodies as required under the Privacy Act
• Service providers who assist us in delivering our services (e.g., IT providers, document storage)
• Professional advisors such as accountants, lawyers, and auditors
• Government agencies and regulators as required by law
• Third parties with your consent or as permitted by law

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

4. Credit Reporting Information

We may disclose your personal information to credit reporting bodies. This information may include:

• Your identity particulars
• The fact that you have applied for credit and the amount
• Information about defaults and serious credit infringements
• Credit-related court judgments

Credit reporting bodies may include this information in reports provided to credit providers to assess your creditworthiness.

5. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorized access, modification, or disclosure. Our security measures include:

• Secure storage of physical and electronic records
• Access controls and password protection
• Encryption of sensitive data during transmission
• Regular security audits and updates
• Staff training on privacy and security practices

6. Cookies and Website Analytics

Our website uses cookies and similar technologies to improve user experience and analyze website traffic. Cookies are small text files stored on your device when you visit our website.

You can control cookies through your browser settings. However, disabling cookies may affect the functionality of our website.

7. Accessing and Correcting Your Information

You have the right to:

• Request access to your personal information we hold
• Request correction of inaccurate or outdated information
• Request deletion of your personal information (subject to legal requirements)
• Withdraw consent for marketing communications

To make a request, please contact us using the details below. We will respond within a reasonable timeframe.

8. Privacy Complaints

If you believe we have breached your privacy, you can lodge a complaint by contacting our Privacy Officer:

We will investigate your complaint and respond within 30 days. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

9. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. This typically includes retaining records for 7 years after the completion of your loan application, in accordance with Australian financial services regulations.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on our website with the revision date. We encourage you to review this policy periodically.

11. Contact Us

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us: