Privacy Policy

Commitment to Privacy

Mortgage Made Easy (ABN: 18648070722) respects your right to privacy and is committed to safeguarding the personal information you entrust to us. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our website, submit forms, or engage our mortgage broking services in Australia.

We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). By interacting with us, you consent to the practices described in this policy.

Information We Collect

• Identity & Contact Data: Full name, email address, phone number, residential address, date of birth, and identification documents (passport, driver’s licence).
• Financial & Employment Details: Income, expenses, assets, liabilities, employment status, tax returns, payslips, credit history, and bank statements – necessary to assess loan suitability.
• Technical Data: IP address, browser type, device identifiers, and website usage via cookies (to improve user experience).
• Communication Records: Emails, chat messages, call recordings (with consent) and form submissions to ensure service quality.

How We Collect Information

We collect personal information in the following ways:

• Directly from you – when you complete our assessment form, contact form, or call/email us.
• From third parties – credit reporting bodies, lenders, or your nominated referees (with your consent).
• Automatically – via cookies, analytics tools (Google Analytics), and server logs when you browse our website.

Why We Collect & Use Your Information

When We Disclose Your Information

We never sell your data. However, we may share your information with:

• Lenders & financial institutions – to obtain loan approvals, quotes, and conditional offers.
• Credit reporting bodies (CRBs) – such as Equifax, Illion, or Experian (as permitted by law).
• Third-party service providers – IT hosting, document verification, secure file storage, and email delivery (all under strict confidentiality).
• Regulatory or law enforcement agencies – when required by Australian law, court order, or to prevent fraud.
• Professional advisors – accountants, solicitors, or settlement agents – only with your explicit direction.

Data Security & Retention

We implement industry-standard security measures including:

• 256-bit SSL encryption for all form submissions and client portal access.
• Restricted access to personal data – only authorised brokers and support staff.
• Regular security audits and employee confidentiality training.
• Secure physical storage of paper records (locked cabinets, access-controlled office).

We retain your personal information for 7 years after the last interaction (to comply with anti-money laundering and credit laws) unless you request earlier deletion, subject to legal exemptions.

Your Privacy Rights

Under Australian Privacy Principles, you have the right to:

• Access – request a copy of the personal information we hold about you (free of charge, once per year).
• Correction – update inaccurate, outdated, or incomplete information.
• Complaint – lodge a concern if you believe we have breached your privacy.
• Opt-out – unsubscribe from marketing communications via the link in our emails or by contacting us directly.

To exercise these rights, please contact our Privacy Officer using the details at the bottom of this policy. We will respond within 30 days.

Cookies & Online Tracking

Our website uses essential, functional, and analytics cookies to:

• Remember your preferences and language settings.
• Analyse site traffic and behaviour via Google Analytics (anonymised IP addresses).
• Prevent fraudulent submissions and enhance security.

You can disable cookies through your browser settings, but some features of the site may not work correctly. We do not use tracking for cross-site behavioural advertising.

Overseas Data Transfers

We primarily store your information on servers located in Australia. In some cases, we may use third-party cloud services (e.g., email marketing platforms, analytics) that store data in the United States or other countries. When we do so, we ensure that the recipient is bound by equivalent privacy safeguards (e.g., EU-US Privacy Shield or contractual clauses). By using our services, you consent to this limited overseas transfer.

Updates to This Privacy Policy

We may revise this policy from time to time to reflect legal, technical, or business changes. The “Last updated” date at the top of this page will indicate the latest version. Continued use of our website or services after changes constitutes acceptance of the revised policy.