Privacy Policy

Last Updated: 30 June 2025

About This Policy

This Privacy Policy applies to Albertus Pty Ltd Trading as Awesome Lending Solutions and Awesome Home Loans (ABN 60 144 897 781, Credit Representative 407514) and our aggregator Australian Finance Group Ltd (ABN 11 066 385 822, Australian Credit Licence 389087).

Our Privacy Commitment

We understand the importance of protecting your personal information. This policy explains how we collect, use, store, and protect your data in accordance with:

• Australian Privacy Principles
• Privacy Act 1988
• Privacy (Credit Reporting) Code 2014

What Personal Information We Collect

Standard Information

We may collect the following personal information:

• Full name and date of birth
• Contact details (address, email, phone number)
• Account details and transaction history
• Occupation and employment details

Finance Application Information

When you apply for finance, we also collect:

• Number and ages of dependants and cohabitants
• Length of time at current address
• Employment details and proof of earnings
• Expenses and financial commitments
• Tax File Number or tax residency status

Online Information

When you visit our websites or use our mobile apps, we collect:

• Location information
• IP address
• Mobile device and network information
• Third-party sites you access

Credit-Related Information

This includes:

• Credit Information: Details about credit provided to you, including loan types, terms, amounts, repayment history, defaults, payment arrangements, and financial hardship information
• Credit Eligibility Information: Credit reporting information supplied by credit reporting bodies and information derived from it

Why We Collect Your Information

We collect your personal information to:

• Assess your finance applications
• Verify your identity
• Manage your loans and credit facilities
• Manage business risks
• Comply with legal obligations
• Provide customer service and support
• Offer relevant products and services
• Process payments
• Assess employment or broker applications

How We Collect Information

We collect your personal information:

• Directly from you through application forms and interactions
• From public sources including public registers and social media
• From third parties such as:
  • Credit reporting bodies
  • Finance brokers
  • Employers
  • Accountants, lawyers, and referees

Who We Share Your Information With

We may disclose your personal information to:

Finance-Related Parties

• Current and prospective funders
• Other guarantors and borrowers
• Co-security providers
• Lenders mortgage insurers

Service Providers

• Valuers and surveyors
• Third-party suppliers
• Printing and postal services
• Call centres
• Information technology support providers
• Debt collectors and recovery firms
• Credit reporting bodies

Professional Representatives

• Finance brokers
• Lawyers and accountants
• Guardians and power of attorney holders

Business Partners

• Companies that provide infrastructure systems
• Businesses we have relationships with for marketing purposes
• Auditors and insurers
• Claims assessors and investigators

Legal Requirements

• Government agencies as required by law
• Anti-Money Laundering compliance
• Court-issued subpoenas or summons

Overseas Entities

We may disclose information to overseas support service providers in:

• USA
• Canada
• Malaysia
• India
• Ireland
• United Kingdom
• Philippines

We ensure appropriate data handling and security arrangements are in place for all overseas disclosures.

Credit Reporting Bodies

We work with the following credit reporting bodies:

• Equifax Pty Ltd – equifax.com.au
• Experian Australia Credit Services Pty Ltd – experian.com.au
• Illion Australia Pty Ltd – illion.com.au

How We Use Credit Information

We exchange credit-related information with credit reporting bodies to:

• Confirm your identity
• Assess your creditworthiness
• Evaluate finance applications
• Manage your existing finance

What Information Is Shared

Information exchanged includes:

• Identification details
• Types of loans held
• Loan amounts and terms
• Repayment history
• Default information
• Serious credit infringements (such as fraud)
• Financial hardship arrangements

Your Credit Information Rights

You have the right to:

• Access your credit-related information
• Correct inaccurate information
• Opt-out of pre-screening for credit offers
• Report fraud to credit reporting bodies (21-day protection period applies)

Data Security

How We Protect Your Information

We take reasonable steps to protect your information through:

• Secure electronic storage on protected servers
• Cloud storage with appropriate security measures
• Secure paper-based filing systems
• Protection against misuse, loss, and unauthorized access

Data Breach Notification

Under the Notifiable Data Breaches (NDB) scheme, we will notify you and the Office of the Australian Information Commissioner (OAIC) if:

• A data breach occurs involving your personal information
• The breach is likely to result in serious harm
• We will inform you of the breach, steps we’re taking, and actions you can take

If you believe your information has been impacted by a data breach, please contact us immediately.

Your Privacy Rights

Access Your Information

You can request access to your personal and credit-related information at any time. We typically respond within 30 days. A retrieval fee may apply.

Correct Your Information

If your information is incorrect or outdated, you can request corrections. We will:

• Provide an initial response within 7 days
• Complete our investigation within 30 days
• Provide details about any corrections made

Update Your Details

Please keep your information current by notifying us of changes to:

• Home address
• Email address
• Phone number
• Employment details

Marketing Communications

We may use your information to send you:

• Finance offers
• Product and service updates
• Information about changes to our organization

Opt-Out Options

You can opt-out of marketing communications at any time by:

• Emailing us with your request
• Using the unsubscribe function in emails

There is no charge for opting out, and we will process your request promptly.

Cookies and Online Tracking

What We Collect

When you visit our website, we collect:

• Number of visitors and page views
• Navigation paths through the website
• Browser type and device information
• Advertisement interactions

How We Use Cookies

Cookies help us:

• Improve your online experience
• Understand how users interact with our website
• Customize content
• Display relevant advertisements

Managing Cookies

You can configure your browser to:

• Accept all cookies
• Reject all cookies
• Notify you when cookies are sent

Note: Some website functionality requires cookies to be enabled.

Special Information Categories

Government Identifiers

We collect Tax File Numbers and other government identifiers only as required by law and never use them to identify you in other contexts.

Sensitive Information

We only collect sensitive information with your consent, including:

• Racial or ethnic origin
• Political persuasion
• Trade union memberships
• Sexual preferences
• Criminal records
• Health information
• Biometric data

Privacy for Minors

If we suspect we’re communicating with a minor, we ensure all interactions are age-appropriate and comply with child safety requirements.

Making a Complaint

Our Complaints Process

If you have concerns about how we’ve handled your information:

1. Contact us with details of your complaint
2. Acknowledgment within 7 days
3. Decision provided within 30 days (we’ll notify you if more time is needed)

External Dispute Resolution

If you’re unsatisfied with our response, you can contact:

Australian Financial Complaints Authority (AFCA)

• Phone: 1800 931 678
• Email: info@afca.org.au
• Mail: GPO Box 3, Melbourne VIC 3001

Office of the Australian Information Commissioner (OAIC)

• Website: www.oaic.gov.au
• Phone: 1300 363 992

Policy Updates

We regularly review and update this privacy policy to reflect:

• Changes in technology
• Changes in legislation
• Market best practices

You can request this policy in an alternative format at any time.

Contact Us

For questions about this privacy policy or to exercise your privacy rights, please contact us:

Awesome Lending Solutions
Albertus Pty Ltd
Credit Representative 407514
ABN 60 144 897 781

This privacy policy demonstrates our commitment to protecting your personal information and complying with Australian privacy laws. We encourage you to read it carefully and contact us with any questions.