Your privacy matters to us.

This Privacy Policy explains how Mont Capital Pty Ltd (ABN 64 664 403 374), authorised under Mortgage Specialists Pty Ltd ACN 050 601 093 Australian Credit Licence No. 387025, collects, holds, uses, discloses and protects your personal information.

By engaging with us, including by submitting an enquiry, applying for finance, or using our website, you consent to the collection and handling of your personal information as described in this policy.

The personal information we collect depends on the service you are seeking. It may include:

• Identification details, full name, date of birth, residential address, and government-issued ID;
• Contact details, phone number, email address and postal address;
• Financial information, income, expenses, assets, liabilities, bank statements, tax returns and credit history;
• Employment details, occupation, employer and length of employment;
• Information about loans, insurance and other financial products you hold or are seeking; and
• Any other information you choose to provide to us.

Where lawful and practicable, you may deal with us anonymously or by using a pseudonym, though this may limit our ability to provide our services.

We generally collect personal information directly from you, for example, when you contact us, complete a finance application, meet with a broker, or use our website and online tools.

Where necessary, and with your consent, we may also collect information from third parties such as your employer, accountant, real estate agent, lenders, insurers, credit reporting bodies, and government agencies.

We collect and use your personal information to:

• Assess your needs and recommend suitable finance options;
• Prepare and submit loan applications to lenders on your behalf;
• Comply with our legal and regulatory obligations, including responsible lending, anti-money laundering (AML/CTF) and "know your customer" requirements;
• Manage our relationship with you and provide ongoing service;
• Respond to enquiries and complaints; and
• Improve our services, website and client experience.

We may disclose your personal information to third parties where required to provide our services, including:

• Lenders, mortgage insurers and product providers;
• Our licensee, Mortgage Specialists Pty Ltd, and our aggregator;
• Credit reporting bodies and valuers;
• Your nominated representatives, such as your accountant, financial adviser or solicitor;
• Government and regulatory bodies where required by law; and
• Service providers who assist us with technology, administration, marketing and storage.

We do not sell your personal information. We will only disclose information overseas where required (for example, to a cloud service provider) and will take reasonable steps to ensure your information is handled in accordance with the APPs.

From time to time we may use your contact details to send you information about products, services, market updates and events we believe may be of interest. You can opt out at any time by contacting us or using the unsubscribe link in our communications.

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification or disclosure. Information is stored in secure electronic systems and, where applicable, in physical files held under appropriate access controls.

When information is no longer needed and we are not required by law to retain it, we will take reasonable steps to destroy or de-identify it.

You have the right to request access to the personal information we hold about you and to ask us to correct it if it is inaccurate, out of date, incomplete or misleading. To make a request, please contact us using the details below.

We will respond to your request within a reasonable period. There is generally no fee for requesting access, although a reasonable cost may apply to recover the cost of providing the information.

When you visit our website, we may collect technical information such as your IP address, browser type, pages viewed, and the date and time of your visit. We use cookies and similar technologies to improve site performance, remember preferences and understand how visitors use our site. You can disable cookies in your browser settings, though some features may not function as intended.

If you believe we have breached your privacy or mishandled your personal information, please contact us. We will acknowledge your complaint within 1 business day and aim to resolve it promptly and fairly. Full details are available on our Complaints Process page.

If you are not satisfied with our response, you may refer the matter to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or the Australian Financial Complaints Authority (AFCA).

We may update this Privacy Policy from time to time. The current version will always be available on our website, with the date of last update shown at the top.