Privacy Policy

Last updated: January 2025

1. Information We Collect

We collect information that you provide directly to us, including:

  • Personal Information: Name, address, phone number, email address, date of birth
  • Financial Information: Income, employment details, assets, liabilities, credit history
  • Property Information: Property details, purchase price, loan amount required
  • Documents: Bank statements, pay slips, tax returns, identification documents
  • Usage Information: How you interact with our website and services

2. How We Use Your Information

We use your information to:

  • Process your loan applications and connect you with suitable lenders
  • Verify your identity and assess your creditworthiness
  • Provide customer support and respond to your enquiries
  • Send you updates about your applications and relevant loan offers
  • Improve our services and develop new features
  • Comply with legal and regulatory requirements
  • Prevent fraud and ensure platform security

3. Information Sharing

We may share your information with:

  • Lenders: To obtain loan quotes and process applications
  • Credit Reporting Bodies: To assess creditworthiness (with your consent)
  • Service Providers: Third parties who assist us in providing our services
  • Legal Authorities: When required by law or to protect our rights
  • Business Partners: With your explicit consent for specific services

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

4. Data Security

We implement industry-standard security measures to protect your information:

  • 256-bit SSL encryption for all data transmission
  • Secure data storage with regular backups
  • Multi-factor authentication for account access
  • Regular security audits and penetration testing
  • Staff training on data protection and privacy
  • Compliance with Australian Privacy Principles

5. Your Rights

Under Australian privacy law, you have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate or incomplete information
  • Request deletion of your personal information (subject to legal requirements)
  • Withdraw consent for certain uses of your information
  • Lodge a complaint with the Office of the Australian Information Commissioner
  • Request a copy of your information in a portable format

6. Cookies and Tracking

We use cookies and similar technologies to:

  • Remember your preferences and login status
  • Analyse website usage and improve user experience
  • Provide personalised content and recommendations
  • Measure the effectiveness of our marketing campaigns

You can control cookie settings through your browser preferences.

7. Data Retention

We retain your information for as long as necessary to:

  • Provide our services to you
  • Comply with legal and regulatory requirements
  • Resolve disputes and enforce our agreements
  • Maintain business records for operational purposes

Typically, we retain personal information for 7 years after your last interaction with us, unless a longer retention period is required by law.

8. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your privacy rights, please contact our Privacy Officer:

Email: privacy@refii.com.au

Phone: 1300 REFII (1300 733 44)

Address: Privacy Officer, Level 15, 1 Collins Street, Melbourne VIC 3000