Privacy Policy

Aussie Gateway Mortgages
Effective Date: 24 July 2025

Aussie Gateway Mortgages respects your privacy and is committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose, and store your personal information, and how you can access or correct it.

1. Who We Are

Aussie Gateway Mortgages is a Credit Representative (CRN 563676) of Australian Finance Group Ltd (AFG), which holds Australian Credit Licence 389087. We provide mortgage broking services to clients throughout Australia.

2. What Personal Information We Collect

We may collect personal information that is reasonably necessary to provide you with credit assistance and related services, including:

• Full name, date of birth, address, and contact details

• Employment and income information

• Details of assets, liabilities, and financial position

• Tax file numbers (where legally permitted)

• Credit reports and credit scores

• Identification documents (e.g., driver’s licence, passport)

• Property, loan, and financial product details

• Information from application forms, emails, phone calls, or meetings

We may also collect sensitive information with your consent, such as health or hardship-related details where relevant to your application.

3. How We Collect Your Information

We collect personal information directly from you or from authorised third parties, such as:

• Application forms, websites, emails, and phone calls

• Aggregators and credit providers

• Your accountant, solicitor, or conveyancer

• Credit reporting bodies (e.g., Equifax)

• Public sources and government registers (where permitted by law)

We will only collect personal information by lawful and fair means.

4. Why We Collect Your Information

We collect, use, and disclose your personal information for the following purposes:

• To assess your financial needs and objectives

• To provide mortgage broking, credit assistance, and loan application services

• To submit your application to lenders and negotiate loan terms

• To communicate with you and respond to your enquiries

• To comply with legal and regulatory obligations (e.g., anti-money laundering, responsible lending laws, ASIC guidelines)

• To manage our internal business operations, analytics, and customer service

• For direct marketing communications (where you’ve opted in)

5. Disclosure of Your Information

We may disclose your personal information to:

• Australian Finance Group Ltd (AFG)

• Lenders, financial institutions, and credit providers

• Credit reporting bodies

• Our employees, contractors, or third-party service providers (e.g., cloud storage, compliance, IT support)

• Your authorised representatives (e.g., accountant, solicitor, conveyancer)

• Government agencies or regulators where required (e.g., ASIC, AUSTRAC)

We do not sell or rent your personal information.

Where information is transferred or stored offshore (e.g., cloud storage), we take reasonable steps to ensure compliance with Australian privacy obligations.

6. Security of Your Information

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

• Secure servers and cloud platforms

• Encrypted storage and file transfers

• Access controls and staff training

• Regular monitoring and compliance checks

If we no longer need your information, we securely delete or de-identify it, unless we are legally required to retain it.

7. Access and Correction

You have the right to access the personal information we hold about you and request corrections if it is inaccurate, out-of-date, or incomplete.

To make a request, please contact us using the details below. We will respond within 30 days. In some cases, we may charge a reasonable fee for providing access.

8. Privacy Complaints

If you believe we have breached the Privacy Act or mishandled your personal information, you may lodge a complaint with us. Please provide full details of your concerns in writing.

We will respond within 30 days and aim to resolve your concerns fairly and efficiently. If you are not satisfied with our response, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC):

Website: www.oaic.gov.au
Phone: 1300 363 992
Email: enquiries@oaic.gov.au

9. Contact Us

Aussie Gateway Mortgages
Email: sahil@aussiegatewaymortgages.com.au
Phone: 0424 156 525
CRN: 563676
Credit Representative of Australian Finance Group Ltd (ACL 389087)
ACN: 066 385 822

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in law, business practices, or technology. The latest version will always be available on our website.