Your
privacy.

Last updated [ date ]

Our commitment

Guardian Finance Group Pty Ltd is bound by the Australian Privacy Principles in the Privacy Act 1988 (Cth). This policy explains what personal information we collect, why we collect it, and how you can access or correct it.

What we collect

To arrange finance we generally need:

• Your name, contact details and date of birth
• Identification documents
• Employment and income details
• Assets, liabilities, income and expenses
• Details of the property or asset being financed
• Credit history information

If you contact us through this website, we collect the information you enter in the enquiry form — your name, email, phone number, the type of finance you are interested in and anything you tell us about your situation.

How we collect it

Directly from you wherever possible — through this website, by phone, by email or in person. We may also collect information from credit reporting bodies, lenders, your employer or accountant, and other parties you authorise.

Why we collect it

• To assess your requirements and arrange credit assistance
• To prepare and submit applications to lenders on your behalf
• To meet our obligations under the National Consumer Credit Protection Act and anti-money laundering law
• To respond to your enquiries and to contact you about your application

Who we disclose it to

• Lenders and their mortgage insurers, in order to submit an application
• Credit reporting bodies
• Valuers, conveyancers, and other parties involved in the transaction
• Our licensee or aggregator [ licensee / aggregator name ]
• Anyone you have authorised, such as your accountant, solicitor or broker
• Web3Forms, the service that delivers enquiries from our website forms to us by email
• Klaviyo, the service that records enquiries from our website forms, helps us understand how our website is used, and sends our emails

We do not sell your personal information, and we do not disclose it for marketing by others.

Our website, cookies and email

We use Klaviyo to record enquiries sent through this website and to understand how people who have contacted us use it. Klaviyo sets cookies in your browser to do this. Once it can recognise you, for example after you send an enquiry or click a link in one of our emails, it can record the pages you visit here, including the services you look at and whether you use the repayment calculator. This can include earlier visits from the same browser. The figures you enter in the calculator are never sent anywhere.

If you tick the box on a form to receive updates, we'll send you occasional emails. Every one has an unsubscribe link, and you can ask us to stop at any time. You can also block or delete cookies in your browser settings, and the website will still work.

Advertising and where visits come from

When we advertise on Facebook or Instagram, our website uses the Meta Pixel to measure how those ads perform, for example whether someone who saw an ad later visited the site or sent an enquiry. Meta sets cookies to do this. We don't send Meta your name, contact details, the amounts you enter or anything you write in a form. Meta handles that information under its own privacy policy, and you can control the ads you see in your Facebook or Instagram ad settings.

We may also use Google Analytics to understand how people use this website, such as which pages are visited and where visitors came from. Google sets cookies to do this, and we don't send it your name, contact details or anything you write in a form. You can opt out with Google's browser add-on.

If you arrive from an ad or a campaign link, your browser remembers which one for up to 90 days, and we keep that with any enquiry you send, so we know which of our advertising is working.

Information held overseas

Some of the services we use to run this website, including Klaviyo, Meta and Google, are based overseas. Information you send through the website is likely to be stored and processed outside Australia, including in the United States.

Credit reporting

Applying for credit generally involves a credit reporting body providing a credit report about you to the lender. Credit reporting bodies collect and hold information about your credit history and may use it in reports they provide to other credit providers.

[ The credit reporting bodies used, their contact details, and links to their policies — required disclosure ]

Keeping it secure

We take reasonable steps to protect personal information from misuse, loss and unauthorised access, and to destroy or de-identify it when it is no longer needed and we are no longer required to keep it.

Accessing and correcting your information

You can ask us for a copy of the personal information we hold about you, and ask us to correct it if it is wrong. Contact us using the details above. We will respond within a reasonable period. In limited circumstances we may refuse access, and if we do we will tell you why in writing.

Complaints about privacy

If you believe we have mishandled your personal information, please contact us first — see our complaints page. You can also complain to the Office of the Australian Information Commissioner at oaic.gov.au.

Changes to this policy

We may update this policy from time to time. The current version is always available on this page.