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Privacy Statement

1. About this Privacy Statement

Like you, Audrey cares about ensuring that personal and private information you entrust us to hold is protected and secure. The Audrey Mortgage Group encompasses Audrey Finance Pty Ltd. This Statement outlines the personal information we collect from you and how we collect, hold, disclose, use and share it. Each member of the Audrey Mortgage Group (the ‘Audrey Mortgage Group’, ‘we’, ‘us’ and ‘our’) is committed to protecting and handling your personal information under all applicable laws, including the Privacy Act 1988 (Cth) (Privacy Act).

2. What you need to know

  • We will take reasonable steps to protect your information.

  • We will comply with the Privacy Act's notification requirements if we become aware that your information has been lost or compromised.

  • We will never sell your information to a third party.

  • We use information we hold to provide services to you and to improve how we operate and provide those services.

  • If you have concerns or questions about how we use or handle your information, get in touch with us at admin@audreymortgage.com.au.

We may record our calls to ensure our services are provided to you. As a part of using our services, you understand and provide us with your consent to record your telephone and online conversations with us.

Collection of non-personal data

We are also committed to maintaining transparency around how we collect and handle any non-personal data. Non-personal data refers to information that cannot be used by us to identify an individual directly. This includes, but is not limited to aggregated data, anonymised data or any statistical information we have gathered from our third-party sources.

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We collect various types of non-personal data in order to enhance and optimise our services. We also gather device information, including device type, operating system, and browser type, as well as general geographic information derived from IP addresses or other location-based technologies.

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Our primary purpose for collecting non-personal data is to improve our services based on user behaviour and preferences. We use this data for research and analysis to understand trends and user needs and preferences better.

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To protect non-personal data, we aggregate it to ensure it remains anonymous and cannot be traced back to a particular individual. We implement robust security measures to safeguard this data from unauthorised access, disclosure, or misuse. Non-personal data may be shared with third parties for analytical or research purposes, but it will always remain aggregated and anonymised.

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Users have the right to opt-out of certain data collection practices through their device settings or by contacting us directly. This transparency ensures that users are always informed about how their data is being used and protected, including nonpersonal data.

3. Collection, use and sharing of personal information

3.1 Why do we collect your information?

​We collect personal information to enable us to provide our services to you. We collect personal information relating to you and your financial requirements, in order to assist with providing you with property and home loan products and services through our website and mobile app. This may include where we need to collect your information to verify your identity, assessing eligibility and needs to be able to assist with your applications. Additionally, we collect your personal information to assist us to improve your overall experience, manage internal processes, mitigate risks, and comply with legal obligations. If you don’t want or are unwilling to provide us with the information we need, we may be unable to provide our services to you.

3.2 How do we collect your information?

We collect your personal information directly from you. We may also collect information about you from other sources, for example:

  • your representatives such as a solicitor or conveyancer; • joint applicants, co-applicants, or guarantors; • referral partners, who refer your business to us; • publicly available information such as public registers or social media; • your employer; • other organisations we partner with to provide products or services to you; and • credit reporting bodies.

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We collect personal information when you: • enquire about, apply for, or use one of our products or services; • speak to us about a loan application or a product or are a party to such loan application or product (for example, a joint applicant, co-applicant, guarantor, or director or trustee of a corporate or trust loan applicant); • give us feedback or to make a complaint; • visit our website, mobile app or use our digital services; • participate in other activities we offer, such as competitions or surveys; or • talk to us or do business with us.

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When you give us personal information about another person, you acknowledge that you are authorised by that person to do so and agree to inform that person of the contents of this Privacy Statement.

 

Examples of the personal information we may collect include:

  • Personal and contact details.

  • Australian Government, or foreign government identifiers and identity documents including driver’s licence, passport and identification documents.

  • Financial information, such as details of your recent and current employment, income, assets and liabilities, your credit history, tax returns, financial statements, bank statements, loan statements, credit card statements.

  • Credit information, see section 6.1 for the types of credit information that we may collect.

  • Socio-demographic information including marital status, age, gender, number of dependents, occupation, and nationality.

  • When you visit or speak to us, we will collect data through call recordings and online interactions with us and CCTV camera recordings in our premises.

  • Usage analytics which include online cookies. See section 6.2 for the types of usage analytics we may collect.

  • Sensitive information, where this is:

    • relevant to your financial situation, or to an insurance policy or claim, or if you’re in financial difficulty and ask for hardship relief due to illness; or

    • to assist with providing you with translation services.

  • Information about your personal circumstances to ensure services are provided that meet your needs, this will include details about current or past relationship, and dependants or children you may have, details of an injury, illness, gambling or an addiction.

  • Publicly available information, such as from social media or online forums and public registers.

3.3 Consumer Data Rights

Audrey Mortgage Group is a trusted advisor defined under the Competition and Consumer (Consumer Data Right) Rules 2020, which allows us to receive your personal information from accredited third parties such as banks, financial institutions and authorised organisations where you have consented. We will only use and hold your personal information for the permitted purpose you have consented us to use your personal information for, which will be in accordance with this Privacy Statement.

3.4 How do we use your information?

​We use your information in the following ways:

Serving you as a customer

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To provide you with our or a third party’s (if applicable) products and services. This may include:

  • verifying your identity;

  • assessing your eligibility for lender’s products;

  • assessing your needs and objectives in relation to buying a property;

  • assisting you with online applications;

  • assessing, processing, and submitting your application for credit and providing you with information about related insurance products;

  • telling you about our other or third parties’ products or services;

  • managing our relationship with you or your business;

  • better understanding you and your needs; and

  • improving our services, products, and your experience with us.

Managing our operations and improving our business

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  • For internal purposes, including reporting and analysis.

  • Systems development and testing purposes.

  • Learning which areas of our website and/ or app which are of most interest to you (see Cookies and web beacons in section 6.2).

  • Responding to complaints and seeking to resolve them.

  • Reviewing and responding to your feedback and assessing how you use our products or services.

  • Monitoring and reviewing call recordings, online chats and other business activities for quality assurance, training, and compliance purposes.

  • Managing corporate governance, and audit.

  • Understanding and managing our risks.

Complying with our legal obligations

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  • Meeting our legal and regulatory obligations.

  • Sharing relevant information with law enforcement, government and regulatory bodies.

  • Identification, investigation and prevention of criminal activity.

  • Investigating health and safety issues.

De-identifying information

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We de-identify your information in order to provide anonymised datasets to other organisations, or for the purpose of generating insights and analytics.

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