Privacy Policy

Last updated: January 2025

Financial Vision & Services Pty. Ltd. trading as Home Loans on Macquarie ("we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).

1. Information We Collect

We may collect the following types of personal information:

• Identity Information: Name, date of birth, address, contact details (phone, email)
• Financial Information: Income, assets, liabilities, credit history, employment details
• Loan Information: Existing loans, repayment history, property details
• Identification Documents: Drivers licence, passport, Medicare card for verification purposes
• Website Usage: IP address, browser type, pages visited when using our website

2. How We Collect Information

We collect personal information through:

• Direct interactions (in-person meetings, phone calls, emails)
• Online forms and enquiries submitted through our website
• Third parties such as credit reporting bodies and lenders
• Publicly available sources

3. How We Use Your Information

We use your personal information to:

• Assess your financial situation and loan eligibility
• Submit loan applications to lenders on your behalf
• Provide financial planning advice and services
• Communicate with you about your application or services
• Comply with legal and regulatory obligations
• Improve our services and website functionality

4. Disclosure of Information

We may disclose your personal information to:

• Lenders and financial institutions for loan applications
• Credit reporting bodies for credit checks
• Our aggregator and licensee (Tassie Wealth Pty. Ltd.)
• Professional advisers (accountants, lawyers) as required
• Government bodies and regulators when required by law
• Third-party service providers who assist in our operations (e.g., IT services)

We do not sell your personal information to third parties for marketing purposes.

5. Data Security

We take reasonable steps to protect your personal information from unauthorised access, modification, or disclosure. This includes secure storage of physical documents, password-protected electronic systems, and limiting access to authorised personnel only.

6. Your Rights

Under the Privacy Act, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or outdated information
• Request deletion of your information (subject to legal requirements)
• Opt out of marketing communications
• Lodge a complaint about our handling of your information

7. Cookies and Website Analytics

Our website uses cookies and analytics tools to improve user experience and understand how visitors interact with our site. You can control cookie settings through your browser preferences.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date.

9. Contact Us

If you have questions about this Privacy Policy or wish to make a request regarding your personal information, please contact us:

10. Complaints

If you believe we have breached the Australian Privacy Principles and are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au (opens in new tab).