Position Ready Finance Pty Ltd (ACN 689 046 213, ABN 19 689 046 213) (“we”, “us”, “our”) is committed to protecting your privacy. This policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. Information We Collect

We may collect the following types of personal information:

Name, email address, phone number, and postal address
Financial information including income, expenses, assets, and liabilities
Employment details and credit history (where relevant to a loan application)
Information provided through our website contact forms, chat widget, or booking system
Usage data collected automatically when you visit our website (such as IP address, browser type, and pages visited)

2. How We Collect Information

We collect information directly from you when you:

Submit an enquiry or contact form on our website
Book a consultation through our online booking system
Communicate with us by phone, email, or through our chat widget
Engage us to provide mortgage broking or financial services

We may also collect information from third parties such as lenders, credit reporting agencies, or referral partners, where permitted by law.

3. Why We Collect Your Information

We collect and use your personal information to:

Assess your eligibility for home loans and other financial products
Prepare and submit loan applications on your behalf
Communicate with lenders, insurers, and other relevant parties
Respond to enquiries and provide customer support
Improve our website and services
Comply with our legal and regulatory obligations
Send you relevant information about our services (where you have consented)

4. Disclosure of Your Information

We may disclose your personal information to:

Lenders and credit providers as part of a loan application
Referral partners (such as insurance specialists) where you have requested a referral
Our aggregator, Platform Finance
Credit reporting agencies and bureaus
Legal, compliance, or regulatory bodies where required
Third-party service providers who assist us in operating our business (such as IT and software providers), who are bound by confidentiality obligations

We do not sell your personal information to third parties.

5. Storage and Security

We take reasonable steps to protect your personal information from misuse, loss, and unauthorised access. Your information is stored securely, and access is restricted to authorised personnel only.

Where we use third-party systems (such as our booking platform or CRM), those providers are selected for their security standards. However, no data transmission over the internet is completely secure, and we cannot guarantee absolute security.

6. Access and Correction

You have the right to request access to the personal information we hold about you, and to request corrections if it is inaccurate or out of date. To make a request, contact us at the details below.

We will respond to access and correction requests within a reasonable timeframe.

7. Cookies and Website Analytics

Our website uses cookies and analytics tools (including Google Analytics) to understand how visitors use our site. This data is aggregated and does not personally identify you. You can disable cookies in your browser settings, though this may affect some website functionality.

8. Links to Third-Party Sites

Our website may contain links to third-party websites (such as lender websites or partner pages). We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

9. Complaints

If you believe we have handled your personal information in a way that breaches the Australian Privacy Principles, you may make a complaint by contacting us directly. We will investigate and respond within 30 days.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

10. Contact Us

For any privacy-related enquiries or requests, please contact us at:

Email: admin@positionreadyfinance.com
Website: www.positionreadyfinance.com.au

11. Changes to This Policy

We may update this Privacy Policy from time to time. The current version will always be available on our website. We encourage you to review this page periodically.