Privacy Policy

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Privacy Statement

At My Online Mortgage, we are committed to protecting your privacy. This statement outlines how we collect, use, and share your personal information when providing our broking and related services. If we collect information that can identify you, we will take reasonable steps to notify you of that collection.

We collect your information directly from you whenever possible, such as when you seek credit assistance from us. We may also verify the information using sources referred to in your responses or in this privacy statement.

In some instances, we may collect your information from other sources as permitted by the Privacy Act 1988, including:

• Third parties providing loan or lease-related information;
• Public registers, social media, or third-party sources to update your contact details if we cannot reach you;
• Your legal, financial, or other professional representatives.

Certain laws may require us to collect your personal information, such as for identity verification under Australian Anti-Money Laundering law.

We use your information for purposes including:

• Providing credit assistance;
• Informing you about loan products, related services, and financial guidance;
• Assessing your eligibility for a loan, lease, or related service;
• Assisting in loan or lease applications;
• Managing services, payments, and inquiries;
• Sending you information about other relevant products and services (unless you opt out);
• Identifying opportunities to improve our service;
• Sharing details of suppliers offering relevant goods or services;
• Preventing or investigating fraud, crime, or misconduct;
• Complying with legal and regulatory requirements;
• Any other purpose to which you have consented.

You can opt out of receiving direct marketing communications from us at any time.

If you do not provide the required information, we may be unable to:

• Assist in finding a suitable loan or lease;
• Verify your identity or prevent fraud;
• Inform you about financial products or services that may benefit you.

We may share your information with your designated representatives, such as:

• Lawyers, settlement agents, accountants, or real estate agents;
• Employers or referees for verification purposes.

We may share your information with third parties involved in the services we provide, including:

• Broker Group (through whom we submit loan or lease applications);
• BLSSA Pty Ltd (our licensee for credit activities);
• Financial services providers and referrers;
• Lenders, lessors, mortgage insurers, and intermediaries;
• Fraud reporting agencies;
• Regulatory and government bodies (which may share data with foreign authorities);
• Guarantors and prospective guarantors;
• Service providers handling data storage, analysis, and administrative functions;
• Organisations interested in our business assets;
• Any party to whom you have consented.

We may share your information with overseas organisations, including in India, to support our business operations. Due to cloud and electronic storage, your data may also be stored in other countries. Overseas organisations may be required to disclose data under their local laws, and we are not responsible for such disclosures.

For more details on how we manage your information, including how to access or correct your data and file privacy complaints, please refer to our Privacy Policy available on our website or by contacting us directly.

If you share information about another person (e.g., a co-applicant), you must inform them that:

• We have collected their information to provide services;
• We may exchange their details with other organisations listed in this notice;
• Our Privacy Policy explains how we manage their data;
• They can request access to their information or obtain a copy of this privacy notice;
• We may not be able to provide services without their information.

For any privacy-related inquiries, please contact us using the details provided in our Credit Guide.