Privacy Policy
Last updated: July 2025 | Wombat Financial Pty Ltd
1. Who We Are
Wombat Financial Pty Ltd (ABN to be confirmed) ("Wombat Home Loans", "we", "us", "our") is a Credit Representative (Number 559744) of Australian Credit Licence 561324. We are committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or engage our mortgage broking services.
2. What Information We Collect
We may collect the following types of personal information:
- Identity information: name, date of birth, government-issued ID details
- Contact information: email address, phone number, mailing address
- Financial information: income, assets, liabilities, employment details, credit history
- Property information: details of property you intend to purchase or refinance
- Website usage data: IP address, browser type, pages visited, via cookies and analytics tools
3. How We Collect Information
We collect personal information directly from you when you: complete a contact or enquiry form on our website; book a discovery call or appointment; complete a loan application or fact-find; correspond with us by email, phone, or in person; or subscribe to our newsletter or podcast.
We may also receive information from third parties such as lenders, credit reporting agencies, and other professionals involved in your transaction.
4. Why We Collect and Use Your Information
We use your personal information to: assess your eligibility for credit products; provide mortgage broking and credit assistance services; comply with our obligations under the National Consumer Credit Protection Act 2009; communicate with lenders and other parties on your behalf; improve our website and services; send you relevant newsletters, updates, or podcast content (where you have opted in); and meet our legal and regulatory obligations.
5. Disclosure of Your Information
We may share your personal information with:
- Lenders and credit providers when assessing or submitting your loan application
- Mortgage aggregators and industry bodies as required
- Third-party service providers (e.g. IT systems, document management, email platforms)
- Legal, accounting, or compliance advisers where necessary
- Regulatory authorities where required by law
We do not sell your personal information to third parties.
6. Storage and Security
Your personal information is stored securely using industry-standard encryption and access controls. We take reasonable steps to protect your information from misuse, interference, loss, and unauthorised access. Our primary data handling platforms are located in Australia or are subject to equivalent privacy protections.
7. Cookies and Website Analytics
Our website uses cookies and similar technologies to improve your experience and analyse site usage. You can control cookie settings through your browser. Disabling cookies may affect the functionality of certain features on our site.
8. Access and Correction
You have the right to request access to the personal information we hold about you and to request corrections if it is inaccurate, incomplete, or out of date. To make a request, contact us at hello@wombathomeloans.com.au. We will respond within 30 days.
9. Complaints
If you believe we have handled your personal information in a way that breaches the Australian Privacy Principles, please contact us in the first instance. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
10. Contact Us
For any privacy-related queries, please contact:
Tom Carr, Wombat Financial Pty Ltd
Email: hello@wombathomeloans.com.au
Website: wombathomeloans.com.au