1. Personal Information We Collect

To provide you with tailored mortgage broking, commercial lending, and finance solutions, we need to collect specific personal and financial details. This may include:

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• Identity Details: Your name, date of birth, gender, and government-issued identifiers (such as driver’s license or passport details for identity verification).

• Contact Information: Your email address, phone number, and residential/postal address.

• Financial Information: Details regarding your income, expenses, employment history, assets, liabilities, credit history, and bank statements.

• Digital Data: Your IP address, browser type, and information about how you interact with our website via cookies.

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2. How We Collect Your Information

We collect personal information directly from you through various touchpoints, including:

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• Inquiries and forms submitted through our website (e.g., contact forms, appointment bookings).

• Phone calls, emails, and face-to-face or virtual consultations.

• Loan application forms and supporting documentation you provide.

 

Note: With your consent, we may also collect information about you from third parties, such as credit reporting bodies, banks, employers, or your accountant.

 

3. Why We Collect and Use Your Information

We collect, hold, and use your personal information to:

• Assess your financial situation and eligibility for credit.

• Provide you with finance broking and mortgage advice.

• Assist you in preparing and submitting loan applications to lenders.

• Manage our ongoing relationship with you.

• Comply with our legal and regulatory obligations, including the National Consumer Credit Protection Act 2009 and Anti-Money Laundering (AML) laws.

• Send you relevant marketing materials or business updates (you may opt-out at any time).

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4. Disclosure of Your Information

We do not sell your personal information. To arrange finance solutions on your behalf, we may disclose your information to:

• Prospective lenders, banks, and credit providers.

• Our aggregator network and compliance regulators.

• Credit reporting bodies and identity verification services.

• Professional advisors, such as solicitors, valuers, or accountants, where necessary to complete your transaction.

• Government and law enforcement agencies as required by law.

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5. Security and Storage of Data

We take data security seriously and employ industry-standard physical, electronic, and procedural safeguards to protect your information from misuse, interference, loss, unauthorized access, or disclosure. Your data is stored on secure servers and access is strictly restricted to authorized personnel.

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We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy or to satisfy legal and regulatory record-keeping requirements.

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6. Accessing and Correcting Your Information

You have the right to request access to the personal or credit information we hold about you. You can also request that we correct any inaccuracies or outdated information.

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To make a request, please contact us using the details below. We will respond to your request within a reasonable timeframe (typically within 30 days).

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7. Complaints and Feedback

If you believe we have breached the Australian Privacy Principles or handled your data incorrectly, you can lodge a formal complaint by emailing us directly. We will investigate your concern and attempt to resolve it promptly.

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If you are unsatisfied with our response, you can escalate your complaint to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or the Australian Financial Complaints Authority (AFCA).

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8. Contact Us

For any privacy-related questions, access requests, or complaints, please contact:

• Business Name: Ensonic Pty. Ltd.

• Credit Representative Number: 368946

• Email: rohini@trincofinance.com.au