info@moneygenie.com.au

040 110 1608

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Privacy Policy

Last updated: March 2025

1. Introduction

MoneyGenie Finance (ABN: 14 487 192 467) ("we", "us", "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, store and protect your personal information when you engage with us for mortgage broking or credit assistance services, or when you visit our website at moneygenie.com.au.

We handle your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). We also comply with our obligations under the National Consumer Credit Protection Act 2009 (Cth) when providing credit assistance.

2. What Personal Information We Collect

We collect personal information necessary to provide our services. This may include:

  • Full name, date of birth, and residential address
  • Contact details including phone number and email address
  • Financial information including income, employment details, assets, liabilities, and expenses
  • Credit history and credit reporting information
  • Details of existing loans, credit cards, and other financial commitments
  • Information about properties you intend to purchase, refinance, or use as security
  • Government identification numbers where required by law
  • Information submitted through our website contact form

3. How We Collect Your Information

  • Directly from you — through telephone, email, in-person meetings, and our website contact form
  • From third parties — with your consent, from lenders, valuers, conveyancers, accountants, and other parties involved in your transaction
  • From credit reporting bodies — with your express consent, as part of assessing your loan eligibility
  • From government agencies — where required or permitted by law

4. Purpose of Collection

We collect and use your personal information to:

  • Assess your home loan requirements and provide credit assistance under the NCCP Act
  • Identify suitable loan products and compare options across our lender panel
  • Prepare, submit, and manage loan applications on your behalf
  • Communicate with you throughout the application and settlement process
  • Comply with our legal and regulatory obligations
  • Manage our ongoing client relationship, including post-settlement reviews
  • Contact you about relevant products, services, or rate changes (you may opt out at any time)

5. Disclosure of Your Information

We may disclose your personal information to:

  • Lenders and credit providers to whom we submit applications on your behalf
  • Lenders Mortgage Insurance (LMI) providers
  • Property valuers, settlement agents, and conveyancers
  • Your legal representatives and financial advisers
  • Our aggregator or credit licence holder
  • Government agencies and regulatory bodies where required by law
  • Technology and IT service providers who support our business operations

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

6. Overseas Disclosure

Some technology platforms or cloud services we use may store or process data outside Australia. We take reasonable steps to ensure overseas recipients handle your personal information consistently with the Australian Privacy Principles.

7. Credit Information

We may collect and use credit information (including credit reports, credit scores, and repayment history) to assess your loan eligibility. This is governed by Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code. We will always seek your express consent before obtaining a credit report.

8. Security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access. Our measures include SSL-encrypted website communications, password-protected client files, secure document storage and transmission, and staff privacy awareness obligations. When information is no longer required, we destroy or de-identify it securely.

9. Access and Correction

You have the right to request access to personal information we hold about you, and to request corrections to inaccurate or outdated information. Please contact us at info@moneygenie.com.au or call 040 110 1608. We will respond within 30 days. A reasonable fee may apply for access requests.

10. Complaints

If you believe we have mishandled your personal information, please contact us at info@moneygenie.com.au. We will investigate and respond within 30 days. If you remain dissatisfied, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or on 1300 363 992.

11. Website & Cookies

Our website may use cookies and tracking technologies (including Google Tag Manager and Google Analytics) to improve your experience and collect anonymised usage data. You may configure your browser to refuse cookies, which may affect some site functionality.

12. Changes to This Policy

We may update this Privacy Policy periodically. The current version will always be available at moneygenie.com.au/privacy.html.

13. Contact Us

MoneyGenie Finance
Baulkham Hills, NSW 2153
040 110 1608
info@moneygenie.com.au
ABN: 14 487 192 467