Privacy Policy

Exception Lending Group (ABN 41 636 441 202) ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, hold, use and disclose your personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs) and, where applicable, Part IIIA of the Privacy Act relating to credit reporting.

1. What information we collect

Depending on the services you request, we may collect:

• Identity details, such as your name, date of birth and identification documents
• Contact details, such as your phone number, email address and residential address
• Financial information, such as income, employment details, assets, liabilities, expenses, bank statements and tax information
• Credit information, such as your repayment history, credit reports and details of defaults or credit events, where relevant to your enquiry
• Information you provide through our website enquiry form, by phone or by email
• Technical information such as browser type and pages visited, collected through standard website analytics

2. How we collect it

We collect personal information directly from you when you make an enquiry, speak with us, or provide documents. With your consent, we may also collect information from third parties such as credit reporting bodies, your accountant, your employer, lenders and other service providers involved in your application.

3. Why we collect it

We collect, hold and use your personal information to:

• Assess your financial situation and lending options
• Prepare and submit loan applications on your behalf
• Communicate with you about your enquiry or application
• Comply with our legal and regulatory obligations, including responsible lending and anti-money laundering laws
• Improve our services and website

4. Who we disclose it to

We may disclose your personal information to:

• Lenders, mortgage insurers and their service providers, for the purpose of assessing your application
• Credit reporting bodies, where permitted by law and with your consent
• Our professional advisers, such as lawyers, accountants and compliance consultants
• Service providers who assist us to operate our business, such as IT and document storage providers
• Government bodies and regulators, where required by law

We do not sell your personal information. We will not disclose your information to overseas recipients unless required for your application, and where we do, we take reasonable steps to ensure it is handled in accordance with Australian privacy law.

5. Credit information

Where our services involve credit assistance, we may collect and hold credit information and credit eligibility information about you. We will only obtain your credit report with your express consent, and we will only use and disclose that information for purposes permitted under the Privacy Act, such as assessing your application for credit.

6. How we store and protect your information

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification or disclosure. This includes secure electronic storage, access controls and secure transmission of documents. Where information is no longer required, we take reasonable steps to destroy or de-identify it.

7. Marketing

We may occasionally contact you about products or services we think may interest you. You can opt out at any time by contacting us or using the unsubscribe option in any communication.

8. Accessing and correcting your information

You may request access to the personal information we hold about you, and ask us to correct it if it is inaccurate, out of date or incomplete. To do so, contact us using the details below. We will respond within a reasonable period. There is no charge to make a request.

9. Complaints

If you believe we have breached your privacy, please contact us first so we can investigate and respond. If you 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 or by calling 1300 363 992.

10. Contact us

For any privacy questions or requests, contact:

• Exception Lending Group
• Phone: 0468 996 544
• Email: info@exceptionlendinggroup.com.au

11. Changes to this policy

We may update this Privacy Policy from time to time. The current version will always be available on this page, with the date of the last update shown above.