📄 PRIVACY POLICY
Inventive Finance
Effective Date: 21/09/2020
1. Introduction
Inventive Finance (“we”, “us”, “our”) respects your privacy and is committed to protecting your personal information.
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 (APPs).
By using our website or engaging our services, you consent to the practices described in this policy.
2. What Personal Information We Collect
We may collect personal information including:
- Full name
- Date of birth
- Residential address
- Phone number and email address
- Employment details
- Income and financial information
- Assets and liabilities
- Identification documents
- Credit history information
- Information about your financial objectives
We may also collect information submitted through online enquiry forms, phone calls, meetings, and correspondence.
3. How We Collect Your Information
We collect personal information:
- Directly from you
- Through our website forms
- From lenders and financial institutions
- From credit reporting bodies
- From third-party service providers
- Through cookies and analytics tools
4. Why We Collect Your Information
We collect, hold and use your personal information to:
- Provide mortgage and finance broking services
- Assess loan applications
- Submit applications to lenders
- Verify your identity
- Comply with legal and regulatory requirements
- Improve our services and website
- Communicate with you
If you do not provide certain information, we may be unable to provide our services.
5. Disclosure of Personal Information
We may disclose your personal information to:
- Banks and lenders
- Credit reporting bodies
- Aggregators and compliance providers
- Legal, accounting or financial advisers (with consent)
- Government and regulatory authorities where required by law
We do not sell your personal information to third parties.
6. Credit Reporting Information
If you apply for credit through us, we may:
- Obtain credit information about you from credit reporting bodies
- Provide your information to lenders for assessment
- Exchange credit eligibility information with lenders
You have the right to access and correct your credit information.
7. Data Security
We take reasonable steps to protect your personal information, including:
- Secure digital systems
- Password-protected databases
- Restricted staff access
- Secure document storage
While we take reasonable precautions, no method of transmission over the internet is completely secure.
8. Access and Correction
You may request access to the personal information we hold about you or request corrections.
Requests can be made using the contact details below. We will respond within a reasonable timeframe.
9. Cookies and Website Analytics
Our website may use cookies and analytics tools to:
- Improve user experience
- Analyse website traffic
- Enhance functionality
You may disable cookies through your browser settings.
10. Complaints
If you believe we have breached your privacy rights, please contact us.
If you are not satisfied with our response, you may contact:
Office of the Australian Information Commissioner (OAIC)
Website: www.oaic.gov.au
11. Contact Us
Inventive Finance
Address: Suite 5D, 9-13 Redmyre Road, Strathfield, NSW 2135
Phone: 1300 454 366
Email: lending@inventivefinance.com.au