Introduction
We are committed to protecting your privacy. This Privacy Policy outlines how The Private Mortgage Factory Pty Ltd (“we”, “us”, “our”) collects, uses, stores, and discloses personal information in compliance with Australia’s Privacy Act 1988 and the **Australian Privacy Principles (APPs)** .
What Information We Collect
Identifying information: name, address, date of birth, email, phone number.
Financial information: income, employment status, credit history, loan details.
Property/security details: property address, title documentation, valuation reports.
Interaction data: website usage, cookies, IP address.
Purpose of Collection
We collect personal information to:
1. Assess eligibility for caveat, first, and second mortgage loans.
2. Process enquiries and loan applications.
3. Communicate with you about your application or services.
4. Comply with legal, regulatory, and reporting obligations under Australian law.
How We Collect Information
Directly from you (via our website, email, phone, forms).
From third-party sources such as credit reporting agencies, property valuers, solicitors (with your consent).
Disclosure & Storage
We may share personal data with:
Credit reporting bodies, valuers, solicitors, and banks.
Government and regulatory bodies (e.g. ASIC, AUSTRAC) under legal obligation.
Service providers supporting our operations (e.g. IT, mailing services).
Your data is stored securely, either in Australia or on services that comply with the Australian Privacy Principles.
Cookies & Online Tracking
We use cookies and tracking tools to:
Improve website performance and user experience.
Collect anonymised analytics and marketing data.
You can disable cookies in your browser, though this may affect website functionality.
Access, Correction & Complaints
You may request access or correction of your personal information free of charge.
To request access/correction, please contact us via the details below.
If you have any privacy concerns, please lodge a complaint with us first. We will respond within 30 days.
If unresolved, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC).
Marketing & Opt-Out
We may send you service-related communications and marketing if you’ve consented.
You can opt out of marketing messages any time by contacting us or clicking “unsubscribe”.
Changes to This Policy
We may update this policy over time. The “Effective Date” at the top will reflect changes, and significant updates will be notified via our website or direct communication.
Contact Details
The Private Mortgage Factory Pty Ltd
U112, 285 Glen Huntly Road, Elsternwick VIC 3185 (Appointments only)
Email: info@theprivatemortgagefactory.com.au
Phone: 0448 655 588
Business Hours: Mon–Fri 8 am–6 pm, Sat 8 am–1 pm