Our Commitment to Privacy
At Discovery Home Loans, your privacy is important to us. This Privacy Policy outlines how we collect, use, disclose and protect your personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).
1. Who We Are
Discovery Home Loans is a mortgage broking business based in Australia. We help clients secure home loans, refinance, consolidate debt, and access government schemes such as the First Home Guarantee.
2. Information We Collect
We may collect personal information including, but not limited to:
- Full name and contact details (email, phone, residential address)
- Employment and income details
- Financial and credit information
- Identification documents
- Any other information you provide to us in connection with your enquiry or application
3. How We Collect Information
We collect information:
- Directly from you via our website forms, email, phone, social media, or in-person conversations
- From third parties where authorised by you (e.g. your employer, accountant, existing lender)
4. Why We Collect Your Information
We use your information to:
- Provide mortgage broking services and assess your loan eligibility
- Connect you with suitable lenders and manage your application
- Respond to enquiries and provide customer support
- Send updates and marketing (where permitted and subject to your opt-out rights)
- Meet legal and regulatory obligations
5. How We Share Your Information
We may share your information with:
- Accredited lenders and financial institutions as part of your application
- External service providers that support our operations (e.g.CRM, document collection)
- Regulatory or government bodies if required or authorised by law
We will never sell your personal information.
6. Security
We take reasonable steps to protect your personal data using secure storage, encryption, and access controls. While we strive to protect your information, no method of transmission or storage is completely secure.
7. Access and Correction
You have the right to request access to, or correction of, your personal information. Contact us using the details below and we will respond within a reasonable period.
8. Cookies and Tracking
We use cookies and tracking tools (e.g. Facebook Pixel, Google Analytics) to understand how users interact with our site and improve user experience. You can disable cookies via your browser settings; some features may not function correctly without cookies.
9. Direct Marketing & Opt-Out
We may send you updates, offers, or educational content where permitted by law. You can opt out at any time by using the unsubscribe link in our emails or by contacting us.
10. Overseas Disclosure (if applicable)
Some service providers may be located outside Australia. Where we disclose personal information overseas, we will take reasonable steps to ensure recipients comply with privacy standards comparable to the APPs.
11. Retention & Deletion
We keep personal information for as long as needed to provide services and meet legal/regulatory requirements. When no longer required, we take reasonable steps to destroy or de-identify the information.
12. Complaints
If you have a privacy complaint, please contact us first so we can investigate. If you are not satisfied with our response, you also have rights to escalate certain complaints to the Australian Financial Complaints Authority (AFCA).
13. Contact Us
Discovery Home Loans
Email: tane@discoveryhomeloans.com.au
Address: Suite 504, 365 Little Collins St, Melbourne 3000
14. Updates to This Policy
We may update this Privacy Policy from time to time. The most recent version will always be available on our website.