Privacy Policy

1. Introduction

The Mortgage Group Pty Ltd trading as ALG Australian Lending Group (Australian Credit Licence 505575) (“we”, “our”, “us”) is committed to protecting the privacy of your personal information. We are a credit representative of Finance and Systems Technology Pty Ltd (ACN 092 660 912, Credit Representative Number 392527). We are bound by the Australian Privacy Principles (“APPs”) contained in the Privacy Act 1988 (Cth) and any applicable codes or regulations.

This Privacy Policy explains how we collect, hold, use, disclose, and protect your personal information when you use our services, visit our website, or otherwise interact with us. By engaging our services or providing your personal information to us, you acknowledge that you have read and understood this policy.

2. Information We Collect

The types of personal information we may collect include, but are not limited to:

• Identity information: your full name, date of birth, gender, marital status, and proof of identity documents such as a driver's licence or passport.
• Contact information: your residential address, postal address, email address, and telephone numbers.
• Financial information: your income, employment details, assets, liabilities, existing loan details, bank statements, tax returns, and credit history.
• Loan and service information: details of the products and services you enquire about or apply for, including loan amounts, terms, and preferences.
• Website usage information: your IP address, browser type, operating system, pages visited, time spent on our website, referring URLs, and other analytics data collected through cookies and similar technologies.

3. How We Collect Information

We collect personal information through a variety of means, including:

• Enquiry forms and application forms submitted through our website.
• Direct communication with you via phone, email, video call, or in-person meetings.
• Documents you provide to support your loan application, such as payslips, bank statements, and identification documents.
• Third-party sources, including credit reporting bodies, lenders, real estate agents, accountants, or other professionals acting on your behalf.
• Cookies and tracking technologies when you visit our website (see Section 9 below).

Where it is reasonable and practicable to do so, we will collect personal information directly from you. If we receive personal information about you from a third party, we will take reasonable steps to ensure you are aware of this collection.

4. How We Use Your Information

We use the personal information we collect for the following purposes:

• To assess your financial situation and identify suitable loan products and lenders.
• To prepare, submit, and manage loan applications on your behalf.
• To communicate with you about your enquiry, application, or existing loan.
• To comply with our legal obligations, including responsible lending requirements under the National Consumer Credit Protection Act 2009 (Cth).
• To provide you with relevant information, updates, and marketing communications (with your consent, where required).
• To improve our website, products, and services through data analysis and research.
• To respond to complaints, disputes, or legal proceedings.

5. Disclosure of Information

We may disclose your personal information to the following types of third parties:

• Lenders and financial institutions: to process and assess your loan application.
• Credit reporting bodies: to obtain or update your credit report as part of the application process.
• Aggregators: our aggregator partner, as required for loan submission and management.
• Professional advisers: accountants, lawyers, and other professionals engaged in connection with your application.
• Government and regulatory bodies: where required by law, including ASIC, AUSTRAC, and the ATO.
• Service providers: technology providers, IT support, and business software providers who assist us in delivering our services.

We will not sell, rent, or trade your personal information to any third party for marketing purposes. We take reasonable steps to ensure that any third party to whom we disclose your information is bound by privacy obligations consistent with the APPs.

6. Credit Reporting

In the course of providing credit assistance, we may need to collect credit-related information about you from credit reporting bodies. This may include your credit report, credit score, and information about your existing credit arrangements, repayment history, and any defaults or serious credit infringements.

We handle credit-related information in accordance with Part IIIA of the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2014. We will only access your credit information with your consent and for the purpose of assessing your loan application.

The main credit reporting bodies we may use include Equifax, Experian, and illion. You have the right to request access to the credit information these bodies hold about you.

7. Data Security

We take the security of your personal information seriously and implement reasonable physical, electronic, and organisational safeguards to protect it from misuse, interference, loss, unauthorised access, modification, or disclosure. These measures include:

• Secure storage of physical documents in locked premises.
• Encryption of electronic data, including data transmitted via our website and stored in our systems.
• Access controls to limit who within our organisation can access your personal information.
• Regular review of our data security practices and procedures.
• Secure destruction or de-identification of personal information that is no longer required.

While we take all reasonable precautions, no method of data transmission or storage is completely secure. We cannot guarantee the absolute security of your information.

8. Access and Correction

You have the right to request access to the personal information we hold about you at any time. You also have the right to request that we correct any information that is inaccurate, out of date, incomplete, irrelevant, or misleading.

To request access to or correction of your personal information, please contact us using the details provided in Section 12. We will respond to your request within a reasonable timeframe, usually within 30 days. In some circumstances, we may charge a reasonable fee for providing access to your information.

There may be limited circumstances where we are unable to provide access, such as where the information relates to existing or anticipated legal proceedings, or where providing access would pose a serious threat to the life, health, or safety of any individual. If we refuse your request, we will provide you with written reasons for the refusal.

9. Cookies and Tracking

Our website uses cookies and similar tracking technologies to enhance your browsing experience and collect analytical data about how you use our site. A cookie is a small text file stored on your device that helps us recognise your browser and remember certain information.

We use the following types of cookies:

• Essential cookies: necessary for the website to function properly, such as session management and security.
• Analytics cookies: used to understand how visitors interact with our website, including Google Analytics and similar tools, which help us improve our content and user experience.
• Marketing cookies: used to deliver relevant advertisements and measure the effectiveness of our advertising campaigns. These may be set by third-party services such as Google Ads and Meta (Facebook).

We may also use Google Tag Manager to manage and deploy tracking scripts on our website. You can control or disable cookies through your browser settings. Please note that disabling cookies may affect the functionality of certain parts of our website.

10. Third-Party Links

Our website may contain links to third-party websites, such as lender websites, government resources, or social media platforms. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party website you visit.

11. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices, legal requirements, or regulatory guidelines. Any changes will be published on this page with an updated “Last updated” date. We encourage you to review this policy periodically to stay informed about how we are protecting your personal information.

12. Contact Us

If you have any questions about this Privacy Policy, wish to make a complaint about how we have handled your personal information, or would like to request access to or correction of your information, please contact us:

We will acknowledge your complaint within five business days and aim to resolve it within 30 days. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

13. Australian Privacy Principles

For more information about the Australian Privacy Principles and your rights under the Privacy Act 1988 (Cth), please visit the Office of the Australian Information Commissioner (OAIC) website: www.oaic.gov.au/privacy/australian-privacy-principles.