Homelynk Finance (“we”, “our”, “us”) is committed to protecting your privacy and handling your personal information responsibly and transparently.

This Privacy Policy explains how we collect, use, disclose, store and protect your personal information in accordance with:

• The Privacy Act 1988 (Cth)

• The Australian Privacy Principles (APPs)

• Relevant Australian credit reporting laws

By engaging with us, visiting our website, or submitting an enquiry, you agree to the practices described in this policy.

1. What Information We Collect

We may collect personal and financial information including:

🔹 Personal Details

• Full name

• Date of birth

• Residential address

• Contact details (phone, email)

• Driver’s licence or passport details

🔹 Financial Information

• Income and employment details

• Assets and liabilities

• Credit history

• Bank account details

• Superannuation details (for SMSF lending)

🔹 Technical Information

• IP address

• Browser/device information

• Website usage data (via cookies and analytics tools)

2. How We Collect Your Information

We collect information when you:

• Submit enquiry forms

• Apply for a loan

• Provide documents for assessment

• Call or email us

• Interact with our website

• Use calculators or tools on our website

We may also collect information from:

• Credit reporting bodies

• Lenders

• Accountants or financial advisers (with your consent)

• Government databases where legally permitted

3. Why We Collect Your Information

We collect and use your information to:

• Assess your eligibility for finance

• Compare loan products

• Submit loan applications on your behalf

• Meet responsible lending obligations

• Verify your identity

• Communicate with lenders and service providers

• Provide ongoing support and refinancing options

• Improve our website and services

Without this information, we may not be able to assist you.

4. Disclosure of Personal Information

We may disclose your information to:

• Banks and lenders

• Credit reporting bodies

• Aggregators and compliance providers

• Valuers, solicitors and settlement agents

• IT service providers

• Government authorities (where required by law)

We only share information necessary to deliver our services.

5. Credit Reporting Information

We may exchange credit information with:

• Equifax

• illion

• Experian

This may include:

• Credit history

• Repayment records

• Defaults

• Enquiry history

You have the right to request access or correction of this information.

6. Data Security

We take reasonable steps to protect your information including:

• Secure cloud storage

• Password protection

• Encrypted communication

• Restricted staff access

• Compliance audits

However, no internet transmission is 100% secure.

7. Access & Correction

You may request access to your personal information or ask for corrections by contacting us at:

📧 info@homelynkfinance.com.au
📞 +61 421 786 222

We will respond within a reasonable timeframe.

8. Complaints

If you have concerns about how we handle your personal information:

1. Contact us directly.

2. If unresolved, you may contact:

Office of the Australian Information Commissioner (OAIC)
www.oaic.gov.au

9. Website Cookies

Our website may use cookies and analytics tools to:

• Improve performance

• Understand visitor behaviour

• Enhance user experience

You can disable cookies in your browser settings.