Privacy Policy

1. About this Policy

Capital Legacy (“we”, “us”, “our”) is committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, use, disclose, and safeguard your information when you use our website or engage our mortgage broking services.

2. Information We Collect

We may collect the following types of personal information:

• Name, email address, phone number
• Financial information (income, expenses, assets, liabilities) required to assess your loan needs
• Employment details and credit history (with your consent)
• Property information relevant to your application
• Device and usage data collected via cookies when you visit our website

3. How We Use Your Information

We use your personal information to:

• Assess your borrowing needs and recommend suitable loan products
• Prepare and submit loan applications on your behalf
• Communicate with lenders and third-party service providers
• Comply with our legal obligations under the National Consumer Credit Protection Act 2009
• Improve our website and services
• Send you relevant information about our services (you may opt out at any time)

4. Disclosure of Your Information

We may disclose your personal information to lenders, mortgage insurers, valuers, legal professionals, and other parties reasonably necessary to facilitate your loan. We do not sell your personal information to third parties.

We may also disclose information where required by law, court order, or regulatory authority.

5. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure. Our website uses HTTPS encryption. However, no internet transmission is completely secure and we cannot guarantee absolute security.

6. Access and Correction

You have the right to access and correct your personal information. To request access or correction, please contact us at the details below. We will respond within 30 days.

7. Cookies

Our website uses cookies to improve your browsing experience and analyse site traffic. You can disable cookies in your browser settings, although this may affect some website functionality.

8. Contact Us

For privacy-related enquiries, corrections, or complaints, please contact us at our contact page or email us directly. 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.