We may ask you for personal information when you enquire about, or request assistance with, your finance.

Personal information may include your name, address, email address, telephone number, employment details, income, financial commitments, assets, liabilities and information about your existing or proposed credit arrangements.

When assisting you with your credit needs, personal information may also include sensitive information (including health information) and information you tell us about any vulnerability you may have, where relevant and collected in accordance with applicable law.

We use the information you provide to advise about and assist with your credit needs, assess your circumstances, discuss available lending options and provide mortgage broking services.

We may also use your information to:

• Respond to enquiries and requests for information.

• Arrange appointments and consultations.

• Provide requested product information.

• Assist with loan applications and communication with lenders.

• Manage our ongoing relationship with you, including administration, client surveys and service updates.

• Improve our services and resolve problems.

We only disclose your information in accordance with this Privacy Policy, your authorisations and applicable law.

When you visit Check My Equity, use our equity calculator or submit an online enquiry, we may collect information including:

• Your name, email address and telephone number.

• Your estimated property value.

• Your current outstanding home loan balance.

• Your current interest rate, if provided.

• Your estimated total and usable equity.

• Your intended use of equity, such as purchasing an investment property, renovations, refinancing or debt consolidation.

• Your anticipated timeframe for making a financial decision.

• Any additional information you voluntarily provide.

This information is used to generate indicative equity estimates, respond to your enquiry, discuss potential lending options and, where appropriate, assist you with your mortgage and finance needs.

Equity estimates displayed on Check My Equity are indicative only. They are based on the information provided and general assumptions. They do not constitute a formal property valuation, confirmation of borrowing capacity, credit approval or a recommendation to obtain credit.

Any proposed lending arrangement remains subject to an assessment of your financial circumstances, lender policies and applicable approval requirements.

We use third-party technology providers to operate our websites, process enquiries, manage communications and facilitate appointment bookings.

These may include:

• Netlify: Website hosting, online enquiry forms and submission notifications.

• Calendly: Online appointment scheduling and booking confirmations.

• Email and communication providers: Receiving enquiries, responding to customers and managing appointments.

• Other business administration and technology providers: Supporting the delivery of our mortgage broking services.

When you submit an enquiry or book an appointment, relevant personal information may be processed or stored by these providers in connection with the services they supply.

We take reasonable steps to protect personal information handled through our service providers and to manage disclosures in accordance with applicable privacy laws.

Some providers may operate or store information outside Australia. Further information about overseas disclosures is provided below.

When you visit our websites, certain technical information may be collected automatically by our website hosting and technology providers.

This may include your IP address, browser type, device information, pages visited and information relating to website performance and security.

We may use this information to maintain website functionality, protect our services, troubleshoot technical issues and understand website usage.

Where cookies, analytics or other tracking technologies are used, these may also collect information about your interactions with our websites.

If you do not provide sufficient information, we may be unable to properly assess your circumstances, respond to certain requests or assist you with your credit needs.

You can browse general information on our websites without submitting a mortgage enquiry.

We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security.

We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure.

Personal information may be held electronically or in other records used to provide our services, including systems operated by our authorised service providers.

We keep personal information only for as long as reasonably necessary for the purposes for which it was collected or as required by applicable legal, regulatory, ethical reporting or document retention obligations.

Where appropriate and legally permitted, personal information that is no longer required will be securely destroyed or de-identified.

We do not sell, trade or rent your personal information to others.

We may disclose your personal information to:

• Our Australian Credit Licence holder or authorising licensee, including for administration, compliance and supervision activities.

• Lenders, financial institutions and other relevant parties involved in providing services you request.

• Contractors and service providers who assist with administration, communications, technology, appointment scheduling and other business operations.

• Professional advisers, regulatory authorities or other parties where required or permitted by law.

• Other companies in the event of a corporate sale, merger, reorganisation, dissolution or similar event, where legally permitted.

We take reasonable steps to ensure that service providers handle personal information appropriately and in accordance with applicable privacy requirements.

We may also disclose personal information where you have authorised us to do so or where disclosure is required or permitted by law.

Some of the recipients to whom we disclose your personal information may be based overseas.

It is not practicable to list every country in which such recipients may be located, but these countries are likely to include the Philippines, India and Nepal.

In addition, some of our website hosting, appointment scheduling and technology service providers, including Netlify and Calendly, may process or store information through overseas operations or infrastructure.

We take reasonable steps, where required by law, to ensure overseas disclosures are handled consistently with the Australian Privacy Principles.

From time to time, we may use your contact details to send you direct marketing communications, including offers, updates, newsletters, information about new services, events or articles relevant to the services we provide.

We may communicate with you by mail or electronically, where permitted by law.

If you would rather not receive these communications, you can unsubscribe using the instructions provided or notify us directly.

We will respect your request to opt out of direct marketing communications.

Submitting an enquiry through either website does not require you to agree to receive unrelated promotional communications.

Upon receipt of your written request and sufficient information to verify your identity, we will provide access to the personal information we hold about you, subject to applicable legal exceptions.

You may also request that we correct personal information that is inaccurate, incomplete, outdated, irrelevant or misleading.

If you wish to access or correct your personal information, please contact:

Ben Hawley, Director
Email: timperry@azurafinancial.com.au

We do not charge for receiving a request for access to personal information or for complying with a correction request.

We do not generally charge for providing access to personal information.

If we are unable to provide access or make a requested correction, we will explain the reason and any available complaint options, as required by law.

By providing personal information through Tim Perry Finance or Check My Equity, or by asking us to assist with your credit needs, you acknowledge the collection, use and disclosure of your personal information as described in this Privacy Policy.

Where consent is required by law, we will seek that consent separately or through an appropriate collection notice.

Submitting an enquiry authorises us to contact you about that enquiry using the contact details you provide.

Any additional consents required for a credit application, credit reporting or other regulated activities will be obtained as appropriate.

We welcome your questions and comments about privacy.

If you have any concerns or complaints about the way your personal information has been collected, used, stored or disclosed, please contact:

Ben Hawley, Director
Email: timperry@azurafinancial.com.au

We will review your concerns and respond in accordance with our obligations under applicable privacy laws.

If you are dissatisfied with our response to a privacy complaint, you may be entitled to refer the matter to the Office of the Australian Information Commissioner (OAIC).

Website: https://www.oaic.gov.au

If you have a complaint about our services or the handling of your information, please let us know so we can investigate and attempt to resolve the matter.

You may contact:

The Complaints Officer
Email: timperry@azurafinancial.com.au

Please provide as much information as possible about your complaint.

Ideally, complaints should be submitted in writing, although you may also lodge a complaint by telephone, in person or online.

When we receive a complaint, we will attempt to resolve it promptly and in accordance with our applicable dispute resolution obligations.

We may update this Privacy Policy from time to time to reflect changes to our services, websites, technology providers, business practices or legal obligations.

The current version will be available on our websites.

We encourage you to review this policy periodically.