Hayes Finance Privacy Policy

Last Updated: 10/09/2025

1. Our Commitment to Your Privacy Hayes Financial Group Pty Ltd ABN 27 625 818 064 (“we”, “us”, “our”) is committed to protecting your privacy and handling your personal information in an open and transparent way. We are bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), which govern the way we collect, use, disclose, and secure your personal information. This policy outlines how we manage the personal information we hold about our clients.
2. What Personal Information We Collect We collect personal information that is reasonably necessary for us to provide our mortgage broking services to you. The types of information we may collect include :
   • Identification Information: Your full name, date of birth, gender, residential address, contact details (phone, email), and identification documents (e.g., driver’s licence, passport, Medicare card details).
   • Financial Information: Details of your employment, income, assets, liabilities, expenses, savings history, and bank account statements.
   • Credit-Related Information: Information about your credit history obtained from a credit reporting body, including details of any existing or past credit accounts, repayment history, and any defaults or court judgments.
   • Taxation Information: Your Tax File Number (TFN) and country of tax residency. Collection of your TFN is authorised by law and is subject to additional protections.
   • Other Information: Any other information relevant to assessing and arranging credit on your behalf, such as details about the property you intend to purchase.
3. How We Collect Your Personal Information We will generally collect personal information directly from you when you:
   • Make an enquiry with us or complete an application form.
   • Provide information to us during consultations (in person, by phone, or video call).
   • Correspond with us via email or other means. We may also collect information from third parties with your consent, such as your accountant, your employer, or credit reporting bodies.
4. Why We Collect, Hold, and Use Your Information We collect, hold, and use your personal information for the primary purpose of providing our credit assistance services. This includes:
   • Assessing your financial situation and borrowing needs.
   • Determining your eligibility for a loan with various lenders.
   • Sourcing and applying for loan products on your behalf.
   • Managing our ongoing relationship with you.
   • Complying with our legal and regulatory obligations, including under the National Consumer Credit Protection Act 2009 and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
   • From time to time, we may use your contact details to send you information about other products or services that may be of interest to you. You may opt out of receiving this material at any time.
5. Who We Disclose Your Personal Information To In the course of providing our services, we may disclose your personal information to other organisations, including:
   • Lenders, mortgage insurers, and other credit providers.
   • Credit reporting bodies.
   • Our aggregator ([e.g., PLAN Australia, Connective]).
   • Your authorised representatives (e.g., your accountant, solicitor, or conveyancer).
   • Guarantors and prospective guarantors of your loan.
   • Government and law enforcement agencies or regulators as required or authorised by law. We will not disclose your information to any overseas recipients without your express consent.
6. Security of Your Personal Information We take reasonable steps to protect your personal information from misuse, interference, loss, and from unauthorised access, modification, or disclosure. We hold your information in secure physical files and on secure electronic systems.
7. Accessing and Correcting Your Personal Information You have the right to request access to the personal information we hold about you and to request its correction. To do so, please contact our Privacy Officer using the details below. We will respond to your request within a reasonable timeframe.
8. Making a Complaint If you believe that we have breached the Australian Privacy Principles or have a complaint about our handling of your personal information, please contact our Privacy Officer. We will investigate your complaint and attempt to resolve any breach. If you are not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC).
9. Contact Us For any questions about this Privacy Policy or our handling of your information, please contact:
   • The Privacy Officer
   • Hayes Finance Group
   • matthew.hayes@mortgagechoice.com.au
   • 0432 189 047