Privacy Policy
Effective Date: 02/04/2025
Last Updated: 02/04/2025
1. Introduction
Welcome to Refi Home Loan (“we”, “us”, “our”), a division of KOALIFY GROUP PTY LTD (ABN [Insert ABN]). We are committed to protecting your privacy and ensuring that your personal information is handled in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
This Privacy Policy outlines how we collect, use, disclose, and store your personal information in connection with your use of our online mortgage brokering services available at www.refihomeloan.com.au (“Website”).
By using our Website and services, you agree to the terms of this Privacy Policy.
2. What Personal Information We Collect
We may collect the following types of personal information:
Identity Information: Full name, date of birth, gender, identification documents (e.g., driver’s licence, passport).
Contact Information: Phone number, email address, residential and postal address.
Employment and Financial Information: Occupation, employer details, income, expenses, assets, liabilities, bank account details, credit history.
Credit-Related Information: Credit report, credit score, and other credit eligibility details.
Usage Data: IP address, browser type, device identifiers, and browsing behaviour via cookies or tracking technologies.
Sensitive Information: In some cases, and with your consent, we may collect health or personal circumstances relevant to your mortgage application.
3. How We Collect Personal Information
We collect your personal information:
Directly from you when you submit forms, provide documents, communicate with us, or use our Website.
From third parties such as credit reporting agencies, financial institutions, and your employer, where authorised.
Via cookies and analytics tools when you interact with our Website.
4. Why We Collect and Use Your Personal Information
Your information is collected to:
Assess your financial position and mortgage eligibility.
Match you with suitable loan products from our panel of lenders.
Submit and manage applications on your behalf.
Verify your identity and comply with legal obligations (e.g., Anti-Money Laundering laws).
Communicate with you regarding your application or account.
Provide customer support and personalised service.
Improve our services, Website, and customer experience.
5. Disclosure of Your Personal Information
We may disclose your information to:
Banks, lenders, and financial institutions involved in your loan application.
Credit reporting bodies and identification verification services.
Our business partners, software providers, and service providers (e.g., IT support, document management).
Legal, financial, and professional advisers.
Regulatory and government bodies when required by law.
We do not sell your personal information to third parties.
6. Overseas Disclosure
Some of our third-party service providers (e.g., cloud hosting platforms) may store or process your data outside Australia. We take reasonable steps to ensure that any overseas recipients comply with Australian privacy standards.
7. Data Security
We implement appropriate technical and organisational measures to protect your personal information from unauthorised access, disclosure, alteration, or loss. This includes:
Data encryption and secure servers.
Access controls and authentication procedures.
Regular reviews of our data protection and security practices.
8. Access and Correction of Your Information
You have the right to request access to the personal information we hold about you and to request corrections if you believe it is inaccurate, out of date, or incomplete.
Please contact us using the details in Section 13. We will respond within a reasonable period, generally within 30 days.
9. Cookies and Website Analytics
Our Website uses cookies and similar technologies to:
Understand user behaviour and improve performance.
Deliver tailored content and marketing.
Measure advertising effectiveness through third-party platforms (e.g., Google, Facebook).
You can manage your cookie preferences via your browser settings, but disabling cookies may affect some site functionality.
10. Direct Marketing
We may use your personal information to send you updates, newsletters, offers, or promotions relevant to our services. You can opt out of receiving these communications at any time by:
Clicking the "unsubscribe" link in an email, or
Contacting us using the details below.
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 sites. We recommend you review their privacy policies before providing personal information.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. The updated version will be available on our Website with the effective date noted above.
13. Contacting Us and Making a Complaint
If you have any questions, feedback, or complaints about how we handle your personal information, please contact:
Privacy Officer Refi Home Loan (a division of KOALIFY GROUP PTY LTD) Email: support@refihomeloan.com.au
We aim to resolve complaints promptly and fairly. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) via www.oaic.gov.au.
