Privacy Policy

Last updated: January 2025

1. Introduction

J2C Mortgage Advisory ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

We are authorised credit representatives operating under Australian Credit Law.

2. Information We Collect

We may collect the following types of personal information:

  • Identity Information: Name, date of birth, residential address, contact details (phone, email)
  • Financial Information: Income details, employment information, assets, liabilities, bank statements, tax returns
  • Credit Information: Credit history and credit scores (obtained with your consent from credit reporting bodies)
  • Website Usage: IP address, browser type, pages visited, time spent on site (collected via cookies and analytics)
  • Communication Records: Records of our conversations, emails, and correspondence

3. How We Collect Information

We collect personal information:

  • Directly from you when you enquire about our services, complete forms, or use our calculators
  • Through our website via cookies and analytics tools
  • From third parties including credit reporting bodies, your employer, your accountant, and lenders (with your consent)
  • From publicly available sources

4. How We Use Your Information

We use your personal information to:

  • Assess your eligibility for credit products
  • Provide mortgage broking services and recommend suitable loan products
  • Submit loan applications to lenders on your behalf
  • Communicate with you about your application and our services
  • Comply with legal and regulatory obligations
  • Improve our services and website
  • Send marketing communications (with your consent)

5. Disclosure of Information

We may disclose your personal information to:

  • Lenders and financial institutions for loan assessment
  • Our aggregator for compliance and business purposes
  • Credit reporting bodies for credit checks
  • Professional advisers (accountants, solicitors) involved in your transaction
  • Government agencies as required by law
  • Third-party service providers who assist our business operations

We will not sell, rent, or lease your personal information to third parties for marketing purposes.

6. Credit Reporting

As part of assessing your loan application, we may access your credit report from credit reporting bodies. This is a "soft enquiry" during pre-approval and a "hard enquiry" for formal applications. We will always obtain your consent before accessing your credit information.

7. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access. This includes:

  • Secure storage of physical documents
  • Password protection and encryption for electronic data
  • Limiting access to authorised personnel only
  • Regular security reviews and updates

8. Cookies and Website Analytics

Our website uses cookies and analytics tools (such as Google Analytics) to improve user experience and understand how visitors use our site. You can configure your browser to refuse cookies, but this may affect some website functionality.

9. Your Rights

You have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate information
  • Request deletion of your information (subject to legal requirements)
  • Opt out of marketing communications
  • Complain about our handling of your information

To exercise these rights, contact us at ask@j2cmortgage.com.au.

10. Retention

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. For credit-related information, we are required to retain records for at least 7 years after the relationship ends.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on our website with a new "Last updated" date.

12. Contact Us

If you have questions about this Privacy Policy or how we handle your personal information, please contact us:

13. Complaints

If you are not satisfied with our response to a privacy complaint, you can contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.