1. Who We Are

A1 Fincorp Pty Ltd is an Australian finance and mortgage brokerage business that assists clients with:

• Home loans
• Refinance
• First-home buyer loans
• SMSF loans
• Commercial loans
• Business loans
• Vehicle loans
• Personal loans

Website: 

Email: 

Phone: +61 412 501 979

2. What Personal Information We Collect

Depending on your interaction with us, we may collect the following types of personal information:

Identity Information

• Full name
• Date of birth
• Driver licence or passport details
• Residential address

Contact Information

• Email address
• Phone number
• Postal address

Financial Information

• Income and employment details
• Bank account details
• Existing loans and liabilities
• Credit history information
• Asset and expense information

Property Information

• Property details
• Purchase price information
• Loan requirements

Website and Technical Information

• IP address
• Browser type
• Device information
• Website usage data
• Cookies and analytics data

3. How We Collect Your Information

We may collect your information through:

• Enquiry forms on our website
• Phone calls and meetings
• Email and SMS communications
• Loan application forms
• Social media enquiries
• Third-party lenders and financial institutions
• Credit reporting bodies
• Analytics tools and cookies on our website

We will only collect information that is reasonably necessary for our business activities and services.

4. Why We Collect Your Information

We collect and use your information to:

• Assess your loan or finance requirements
• Compare suitable lending options
• Communicate with lenders and financial institutions
• Provide mortgage and finance brokerage services
• Verify your identity
• Respond to enquiries
• Improve our website and services
• Meet legal and regulatory obligations
• Send updates or marketing communications where permitted by law

5. Disclosure of Personal Information

We may disclose your information to:

• Banks and lenders
• Aggregators and mortgage processing platforms
• Credit reporting agencies
• Accountants, solicitors, and professional advisers
• Service providers assisting our business operations
• Government or regulatory authorities where required by law

We do not sell your personal information to third parties.

6. Credit Information

As part of providing finance and lending services, we may collect and share credit-related information in accordance with the Privacy Act 1988 (Cth).

This may include:

• Credit history
• Repayment history
• Loan application details
• Information from credit reporting bodies

We may exchange this information with lenders and credit reporting agencies for the purpose of assessing loan applications.

7. Website Cookies and Analytics

Our website may use cookies and analytics tools to improve user experience and understand website traffic.

Cookies may collect non-identifiable information such as:

• Pages visited
• Time spent on the website
• Browser and device information

You can disable cookies through your browser settings; however, some website features may not function properly.

8. Data Security

We take reasonable steps to protect your personal information from:

• Unauthorised access
• Misuse
• Loss
• Disclosure
• Modification

We use secure systems, password protection, and appropriate safeguards to protect information stored electronically and physically.

While we take reasonable precautions, no online transmission or storage system can be guaranteed as completely secure.

9. Access and Correction

You may request access to the personal information we hold about you and request corrections if the information is inaccurate or outdated.

To request access or correction, please contact us using the details below.

We may require identity verification before processing requests.

10. Marketing Communications

We may occasionally send updates, promotions, or service-related communications.

You can opt out of marketing communications at any time by:

• Clicking the unsubscribe link in emails
• Contacting us directly

11. Third-Party Links

Our website may contain links to third-party websites.

We are not responsible for the privacy practices or content of external websites. We encourage users to review the privacy policies of any third-party sites they visit.

12. Overseas Disclosure

Some service providers or technology platforms we use may store or process information outside Australia.

Where this occurs, we take reasonable steps to ensure your information is handled securely and in accordance with Australian privacy laws.

13. Complaints

If you believe we have breached your privacy rights or mishandled your personal information, please contact us.

We will investigate your complaint and respond within a reasonable timeframe.

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC):

Website: https://www.oaic.gov.au

Phone: 1300 363 992

14. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our services, legal obligations, or business practices.

The latest version will always be available on our website.

15. Contact Us

A1 Fincorp Pty Ltd

Website:

Email: 

Phone: +61 412 501 979