Effective Date: 20 Jan, 2025
Introduction
Mortiq (referred to as “we,” “us,” or “our”) is committed to protecting the privacy of our clients and users. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information when you interact with us, whether through our website, services, or other communication channels. By engaging with Mortiq, you consent to the practices described in this policy.
1. Information We Collect
1.1 Personal Information
We may collect the following personal information:
- Full name
- Contact details (email address, phone number, and address)
- Financial details (income, expenses, credit history, and other financial data required for loan applications)
- Identification documents (e.g., driver’s license, passport, or other forms of ID)
- Employment and business information
1.2 Non-Personal Information
We may collect non-identifiable information, such as:
- IP address
- Browser type and version
- Device information
- Usage data, including pages viewed and time spent on our website
1.3 Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience on our website. You can manage your cookie preferences through your browser settings.
2. How We Use Your Information
We collect and use your information for the following purposes:
- To provide our loan and mortgage brokerage services
- To process loan applications and liaise with lenders on your behalf
- To verify your identity and ensure compliance with legal and regulatory requirements
- To improve our services, website functionality, and customer experience
- To communicate with you regarding your inquiries, applications, and updates
- To send marketing and promotional materials, subject to your preferences
3. How We Share Your Information
We may share your personal information with:
- to our employees, Broker Services, related bodies corporate, contractors or service providers for the purposes of operation of our website or our business, fulfilling requests by you, and to otherwise provide products and services to you including, without limitation, web hosting providers, IT systems administrators, couriers, payment processors, data entry service providers, electronic network administrators, debt collectors, and professional advisors such as accountants, solicitors, business advisors and consultants;
- to prospective funders or other intermediaries in relation to your finance requirements;
- to other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services, call centres;
- to associated businesses that may want to market products to you;
- to companies that provide information and infrastructure systems to us;
- to anybody who represents you, such as finance brokers, lawyers and accountants;
- to anyone, where you have provided us consent;
- where we are required to do so by law, such as under the Anti-Money or Laundering and Courter Terrorism
- to investors, agents or advisers, or any entity that has an interest in our business; or
- to your employer, referees or identity verification services.
- Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that: (a) the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or (b) you have consented to us making the disclosure.
- We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia.
We do not sell or rent your personal information to third parties.
4. Data Security
We implement robust security measures to protect your information, including:
- Encryption of sensitive data
- Secure storage solutions
- Access controls to limit unauthorized access
- Regular security audits and updates
While we strive to protect your information, no system is entirely foolproof. We encourage you to safeguard your personal information as well.
5. Your Privacy Rights
5.1 Access and Correction
You have the right to access the personal information we hold about you and request corrections if the information is inaccurate or incomplete.
5.2 Opt-Out
You can opt out of receiving marketing communications by contacting us or using the unsubscribe link in our emails.
5.3 Data Deletion
You may request the deletion of your personal information, subject to our legal and contractual obligations.
6. Third-Party Links
Our website may contain links to external websites. Mortiq is not responsible for the privacy practices or content of third-party websites. We recommend reviewing their privacy policies.
7. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Updates will be posted on our website with the effective date clearly indicated.
8. Contact Us
If you have any questions or concerns about this Privacy Policy or our data handling practices, please contact us:
Mortiq
Email: info@mortiq.com.au
Phone: 0406 777 883
By using Mortiq’s services, you acknowledge that you have read and understood this Privacy Policy. Your trust is important to us, and we are committed to protecting your privacy.