Effective Date: August 2021

Who Are We?

“We”, “us” and “our” refers to the Broker, Aggregator, Australian Credit Licensee and related businesses outlined in the Credit Guide provided to you.

Gold Finance Group ACN 654569794 is authorised under LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192.

Our Commitment To Protect Your Privacy

We understand the importance of protecting your personal information and are committed to managing it responsibly and in accordance with the Australian Privacy Principles contained in the Privacy Act and other applicable laws.

Any personal information collected by us will only be used for the purposes for which it was collected or as permitted by law.

What Personal Information We Collect

We may collect personal information including:

• Full name
• Date of birth
• Residential address
• Contact details
• Employment details
• Financial and account information
• Proof of income and expenses
• Credit-related information
• Website enquiry details
• Information submitted through forms or applications

If you apply for finance or insurance products, we may also collect additional information relevant to assessing your application, including dependent details, cohabitation details, and health information (with your consent where required).

Credit Information

Credit information may include:

• Current and previous finance arrangements
• Repayment history
• Credit liabilities
• Defaults or credit-related information

This information may be exchanged between lenders, finance providers, brokers and credit reporting bodies to assess your eligibility for finance.

How We Collect Your Information

Where practical, we collect information directly from you through:

• Website enquiry forms
• Applications
• Phone calls and emails
• Meetings and consultations

We may also collect information from:

• LM Broker Services
• Other finance brokers
• Accountants
• Lawyers
• Employers or referees
• Identity verification providers

Why We Collect Your Information

We collect personal information to:

• Assess finance applications
• Manage loans and financial services
• Respond to enquiries
• Verify identity
• Improve our services
• Meet legal and regulatory obligations
• Provide updates, offers, or marketing communications

We may also use your information to market products and services that may be relevant to you.

Website Tracking & Cookies

Our website may use cookies, analytics tools, and tracking technologies such as Meta Pixel or similar technologies to:

• Improve website functionality
• Analyse website traffic and usage
• Deliver relevant advertising and remarketing campaigns

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

Disclosure Of Personal Information

We may disclose your information to:

• Prospective lenders and finance providers
• Mortgage aggregators and intermediaries
• Third-party service providers
• Printing, postal and IT service providers
• Call centres and infrastructure providers
• Lawyers, accountants and advisers
• Identity verification providers
• Government and regulatory authorities where required by law
• Associated businesses and referral partners

We will take reasonable steps to ensure any third party handling your information maintains appropriate privacy protections.

Overseas Disclosure

Your personal information may be disclosed to related entities, cloud storage providers, IT providers, and service providers located outside Australia, including the Philippines and other countries where our providers operate.

Where overseas disclosure occurs, information may not always be protected under Australian Privacy Laws. By providing your information, you consent to this disclosure.

Direct Marketing

From time to time, we may send you information regarding:

• Finance products and services
• Promotions and offers
• Business updates
• New services

You may opt out of marketing communications at any time by contacting us or using the unsubscribe link included in emails.

Access & Correction Of Information

You may request access to or correction of your personal information at any time.

We will generally respond within seven (7) days and resolve requests within thirty (30) days where possible.

In some circumstances, access may be refused where permitted by law.

Sensitive Information

We will only collect sensitive information with your consent or where required by law.

Sensitive information may include health information or other information classified as sensitive under privacy legislation.

Data Security

We take reasonable steps to protect your information from:

• Misuse
• Loss
• Unauthorised access
• Modification
• Disclosure

Information may be stored electronically, physically, or in cloud-based systems.

Complaints

If you have concerns about how your personal information has been handled, you may contact us using the details on our website.

We will acknowledge complaints within seven (7) days and aim to resolve complaints within thirty (30) days.

If you are dissatisfied with our response, you may contact:

Office of the Australian Information Commissioner (OAIC)
Website: https://www.oaic.gov.au
Phone: 1300 363 992

Changes To This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in legal requirements, technology, or business practices.

The latest version will always be available on our website.

Contact Details

• Suite 210, Level 2, 227 Collins Street, Melbourne VIC 3000
• Meeting Hub: 5A Hartnett Close, Mulgrave VIC 3170

Phone: 1800 911 966 
Email: connect@goldfinance.au