Privacy Policy

1. Introduction

iSmart Finance Group ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our mortgage broking services.

We are bound by the Australian Privacy Principles contained in the Privacy Act 1988 (Cth) and the credit reporting provisions of the Privacy Act.

2. Information We Collect

We may collect the following types of personal information:

• Contact information (name, email address, phone number, postal address)
• Financial information (income, assets, liabilities, employment details)
• Identification documents (driver's license, passport, Medicare card)
• Credit history and credit report information
• Property details and purchase information
• Website usage data and cookies

3. How We Use Your Information

We use your personal information to:

• Assess your eligibility for home loan products
• Compare and recommend suitable loan products from our lender panel
• Submit loan applications to lenders on your behalf
• Communicate with you about your loan application and related services
• Comply with our legal and regulatory obligations
• Improve our website and services
• Send you marketing communications (with your consent)

4. Disclosure of Information

We may disclose your personal information to:

• Lenders and financial institutions for loan assessment and processing
• Credit reporting bodies to obtain credit reports
• Mortgage insurers and valuers
• Our aggregator and industry bodies
• Professional advisers (accountants, lawyers)
• Government authorities when required by law
• Third-party service providers who assist in our operations

5. Credit Reporting

As a credit provider, we may disclose your personal information to credit reporting bodies. This information may include your identification details, the type and amount of credit sought, and whether you meet your credit obligations. You have the right to request access to or correction of your credit reporting information.

6. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes encryption, secure servers, and access controls. However, no method of transmission over the internet is 100% secure.

7. Cookies and Tracking

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and understand where our visitors come from. You can control cookie settings through your browser preferences.

8. Your Rights

You have the right to:

• Access your personal information held by us
• Request correction of inaccurate information
• Request deletion of your information (subject to legal requirements)
• Opt-out of marketing communications
• Lodge a complaint about our handling of your information

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our website with an updated effective date. Your continued use of our services after such changes constitutes acceptance of the updated policy.

11. Contact Us

If you have any questions about this Privacy Policy or wish to make a complaint, please contact us:

If you are not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.