Privacy Policy

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About this policy

Kirsty Gardner (ABN 52 554 955 364) provides credit assistance as credit representative 96479 of Walshe Clancy O'Neill Mortgage Brokers Pty Ltd, Australian Credit Licence 523711.

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In this policy, “we”, “us” and “our” mean Kirsty Gardner. This policy explains how we collect, use, store and share personal information when you contact us, use our website or seek assistance with finance. We handle personal information in accordance with applicable privacy laws, including the Australian Privacy Principles where they apply.

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Information we collect

Depending on the assistance you request, we may collect:

• Your name, date of birth, address, contact details and identification documents.

• Employment details, income, expenses, assets, liabilities and supporting financial documents.

• Information about your household, joint applicants and guarantors relevant to your application.

• Details of existing loans, proposed finance arrangements and credit history where access is authorised and lawful.

• Records of your enquiries, applications, instructions, communications and complaints.
   

We collect information reasonably necessary to provide our services or meet legal obligations. If sensitive information is required, we seek your consent unless another lawful basis applies. Please redact tax file numbers from documents unless their collection is specifically authorised by law.

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How we obtain information

We usually collect information directly from you through conversations, correspondence, forms and documents you provide.

With appropriate authority, or where permitted by law, we may obtain relevant information from lenders, our credit licensee, an aggregator, joint applicants, guarantors, employers, your professional advisers or identity verification providers. Access to credit reports requires the necessary authority and a lawful basis.

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Why we use your information

We use personal information to understand your finance needs, consider suitable options, prepare and progress applications, communicate with you and maintain records.

We may also use it to verify identity, prevent fraud, manage complaints and meet legal or regulatory requirements.

You may make general enquiries anonymously where practical. If information essential to a finance application is unavailable, we may be unable to provide the requested assistance.

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When information is shared

Where necessary and permitted, information may be shared with:

• Our authorising credit licensee, Walshe Clancy O'Neill Mortgage Brokers Pty Ltd, and the aggregator involved in your application.

• Lenders, mortgage insurers, valuers and other parties involved in assessing or completing your finance arrangements.

• Your authorised representatives, joint applicants and guarantors where relevant.

• Service providers supporting administration, communications, document storage, identity verification, technology and professional advice.

• Regulators, auditors and dispute resolution bodies where required or permitted by law.

Other disclosures require your consent or another lawful basis.

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Storage and security

Information may be held electronically or in paper records. We take reasonable steps to protect it against loss, misuse and unauthorised access, alteration or disclosure.

Online communications cannot be guaranteed completely secure. Please contact us if you need an alternative way to provide documents.

We retain information for applicable business and legal requirements. When it is no longer required, we take reasonable steps to destroy or de-identify it, subject to retention obligations.

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Marketing preferences

Where permitted, we may contact you about relevant finance services. You can opt out using an unsubscribe option or by emailing kirsty@wcogroup.com.au or calling 0431 467 330.

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There is no fee to opt out. We may still send communications needed to provide services you have requested.

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Accessing and correcting information

You can contact us to request access to personal information we hold about you or to ask for a correction. We may need to verify your identity before responding.

We aim to respond within 30 days. If a request is refused on a lawful ground, we will explain the reason and available complaint options. Where appropriate, you may ask us to record that you dispute the accuracy of information.

There is no fee to make a request or correct information. Any lawful charge for providing access will be explained in advance.

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Privacy complaints

Please contact Kirsty Gardner with details of your concern and the outcome you seek. We will investigate and aim to respond within 30 days. If additional time is needed, we will explain why.

If your concern remains unresolved, you can contact the Office of the Australian Information Commissioner at www.oaic.gov.au or on 1300 363 992.

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Contact details

Kirsty Gardner
ABN: 52 554 955 364
Email: kirsty@wcogroup.com.au
Phone: 0431 467 330

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Policy updates

We may revise this policy when our services, information handling practices or legal requirements change. The current version will be available on our website. You may also contact us for a copy.

Last updated: [insert publication date]