1. Your Privacy is Important to Us
- At Beyond Tomorrow Finance, we are committed to protecting your personal information. This Privacy Policy outlines how we collect, use, disclose, and store your information in accordance with the Privacy Act 1988 and the Australian Privacy Principles.
2. What Information We Collect
- We may collect personal and sensitive information about you, including:
- Full name, contact details, date of birth
- Employment and financial information
- Credit history, income, liabilities, and expenses
- Identification documents (e.g. driver's licence, passport)
- Property and investment details
- Tax File Number (only if permitted by law)
- We collect this information to provide you with mortgage and finance-related services.
3. How We Collect Your Information
- We may collect information from:
- Directly from you via forms, emails, phone calls, meetings, or our website
- Third parties such as accountants, real estate agents, and referrers (with your consent)
- Credit reporting bodies, identity verification services, and government agencies
- Lenders, insurers, or other financial institutions where you’ve given authority
4. Why We Collect Your Information
- We collect your information to:
- Assess your financial situation and loan eligibility
- Provide credit advice and loan recommendations
- Submit and manage finance applications with lenders
- Meet legal and regulatory obligations (e.g., KYC, AML/CTF compliance)
- Communicate with you about your application or services
- Improve our service offering and customer experience
5. Who We Disclose Your Information To
We may disclose your information to:
- Lenders, aggregators, and mortgage insurers
Credit reporting bodies and identity verification providers
Professional service providers (e.g., accountants, lawyers, software providers)
Our staff, contractors, or agents involved in delivering our services
Government and regulatory bodies as required by law
We do not sell or rent your personal information to third parties.
6. Overseas Disclosure
- Some of our service providers may be located outside Australia. Where this is the case, we take reasonable steps to ensure your data is handled in line with Australian privacy laws.
7. Storage and Security
- We take all reasonable steps to ensure your personal information is secure and protected from misuse, interference, and unauthorised access. This includes secure storage systems, firewalls, password protection, and staff training.
- We retain your information only for as long as necessary for our services or as required by law (usually 7 years).
8. Access and Correction
- You can request access to the personal information we hold about you, or request corrections if it is inaccurate, out of date, or incomplete. Please contact us using the details below.
9. Complaints
- If you believe we’ve breached your privacy or mishandled your information, you can lodge a complaint:
- Contact us directly – we’ll investigate and respond within 30 days.
- If unresolved, you may contact the Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Phone: 1800 931 678
10. Contact Us