Privacy Policy

Privacy Commitment, respecting your privacy

This Privacy Policy is relevant to A Handful of Alchemy Pty Ltd.

We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information that you may provide to us.

Our Privacy Policy ensures your right to privacy as we recognise that any personal information we may collect about you will only be used for the purposes indicated in our policy. It is important to us that you are confident that any personal information we collect from you or is received by us will be treated with appropriate respect, ensuring protection of your personal information.

If you are in a country that is a member of the European Economic Area (EEA), the EU General Data Protection Regulation 2016/679 (GDPR) governs the way we collect, use, hold, process and disclose your personal information. Under GDPR, we are a data controller.

This Policy also includes our credit reporting policy. It covers additional information on how we manage your personal information collected in connection with a credit application or a credit facility.

A Handful of Alchemy Pty Ltd is committed to complying with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. A copy can be obtained from www.aoic.gov.au.

Who is A Handful of Alchemy Pty Ltd

Rebekah Harbrow is an independent mortgage broker who works for you, not for banks. Whether you are buying your first home, refinancing, building an investment portfolio or navigating an unusual financial situation, A Handful of Alchemy is here to guide you with honesty and care.

You appoint us as your Agent (Access Seeker) to obtain your credit information on your behalf and authorise us to disclose this to prospective financiers.

By providing personal information, you consent to its collection, use and disclosure in accordance with this Policy.

What personal information do we collect and hold?

General information

The types of information we collect include:

• ID information such as name, address, phone number and date of birth

• Loan account details

• Contact details including social media

• Other information relevant to our services

We may also collect transactional data and enquiries over time.

When required by law

We collect information where required, including identity verification under Anti-Money Laundering laws.

Website activity and cookies

We may collect data when you use our website, including:

• Application progress data

• Social media interactions

• De-identified analytics data

• IP address and browser data

Cookies are used to improve your experience. These do not identify individuals.

How we collect your personal information

We collect information:

• Directly from you (forms, calls, website)

• Via email and SMS

• From third parties where necessary

Third-party sources may include lenders, advisers and public records.

What if you do not provide your information?

We may not be able to:

• Provide credit assistance

• Recommend suitable products

• Verify identity

• Offer relevant services

How we store and protect your information

We store data securely in physical and electronic formats.

Security measures include:

• Controlled system access

• Secure document storage

• Identity verification processes

We may use third-party storage providers under strict agreements.

How we use your personal information

We use your data to:

• Provide credit assistance

• Assess loan eligibility

• Manage applications

• Handle enquiries and complaints

• Process payments

Marketing

We may contact you about relevant products or services. You can opt out at any time. We do not sell your personal information.

Sharing your information

We may share your information with:

• Representatives and referees

• Lenders and aggregators

• Service providers

• Government bodies where required

We work with:

• National Lending Group

• Loan Market Group

Overseas disclosure

Your data may be stored or processed overseas, including India and the Philippines. We take steps to ensure appropriate protection.

Access and correction

You can request access to your personal information and request corrections where necessary.

Complaints

Contact:

Rebekah Harbrow
A Handful Of Alchemy Pty Ltd
30 Tennent Road, Mount Hutton NSW 2290
0480 518 269
bekh@ahandfulofalchemy.com.au

You can also contact the Office of the Australian Information Commissioner:
www.oaic.gov.au/privacy
Phone: 1300 363 992

Changes to this policy

This policy may be updated from time to time.

Updated Aug, 2022