Privacy Policy

1. About this Privacy Policy

Tulip Finance Pty Ltd ("Tulip Finance", "we", "us" or "our") respects your privacy and is committed to handling personal information responsibly.

This Privacy Policy explains how we collect, hold, use and disclose personal information in connection with our mortgage broking, lending and finance services, our website and your interactions with us.

We aim to handle personal information in accordance with applicable Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles, where they apply to us.

2. What is personal information?

Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable.

Depending on the services you request, the personal information we collect may include:

• Your name, date of birth and contact details;
• Residential and mailing addresses;
• Identification information and documents;
• Employment and occupation details;
• Income and financial information;
• Assets, liabilities and living expenses;
• Bank statements and transaction information;
• Property and loan information;
• Taxation and business information;
• Information relevant to a finance or credit application;
• Credit-related information where permitted and required for the services we provide; and
• Information you provide when contacting us, completing a form or communicating with us.

3. Why we collect your information

We collect personal information where reasonably necessary to provide our services and conduct our business.

We may use your information to:

• Understand your financial circumstances and objectives;
• Assess and discuss lending and finance options that may be suitable for your circumstances;
• Prepare, submit and manage finance or credit applications;
• Communicate with lenders, aggregators, valuers, solicitors, conveyancers, accountants and other parties involved in your application where appropriate;
• Verify your identity;
• Communicate with you about your application or our services;
• Manage our client relationship with you;
• Meet legal, regulatory, compliance and record-keeping requirements;
• Improve our services and business operations; and
• Send you information about our services where permitted by law.

4. How we collect personal information

In most cases, we collect personal information directly from you. This may occur when you:

• Speak with us by telephone or in person;
• Send us an email or message;
• Complete an online or paper form;
• Provide documents to us;
• Use our website;
• Request finance assistance; or
• Apply for a credit or finance product through us.

We may also receive information about you from third parties where authorised by you or permitted by law. These parties may include lenders, credit providers, accountants, solicitors, conveyancers, real estate professionals, valuers, employers, service providers, credit reporting bodies and other parties involved in your finance application.

5. If you do not provide your information

You are not required to provide personal information to us. However, if we do not receive information that is reasonably necessary to assess your circumstances, verify your identity or process an application, we may not be able to provide some or all of our services.

6. Credit-related information

In providing mortgage and finance broking services, we may handle credit-related information where this is permitted by law and relevant to your application.

Credit-related information may include information relating to current or previous credit arrangements, credit enquiries, repayment history or other information relevant to assessing an application for credit.

Where a lender or credit provider requires access to credit reporting information, the collection, use and disclosure of that information may also be governed by the lender's own privacy and credit reporting policies and any consents or authorities you provide as part of the application process.

7. Who we may disclose your information to

To provide our services, we may disclose personal information to organisations or individuals involved in arranging, assessing, processing or administering your finance.

Depending on your circumstances, this may include:

• Banks and other lenders;
• Credit providers;
• Our credit licensee and mortgage aggregator, Outsource Financial Pty Ltd (Australian Credit Licence 384324), and other aggregation or support service providers;
• Mortgage insurers;
• Valuers;
• Solicitors and conveyancers;
• Accountants and financial professionals;
• Settlement agents;
• Credit reporting bodies where permitted;
• Identity verification providers;
• Technology and document-processing providers;
• Professional advisers and consultants;
• Government, regulatory or law-enforcement bodies where required or authorised by law; and
• Other parties authorised by you or reasonably necessary to provide the service you have requested.

We do not sell your personal information.

8. Our website and online information

When you use our website, certain technical information may be collected automatically, such as your device type, browser, IP address, pages visited and general website usage information.

We may use cookies, analytics or similar technologies to understand how visitors use our website, maintain website functionality and improve the user experience.

You can generally adjust your browser settings to restrict or disable cookies. Doing so may affect the operation of some website features.

9. Marketing communications

From time to time, we may contact existing or prospective clients about finance-related services, information or opportunities that may be relevant to them where permitted by law.

You may ask us to stop sending marketing communications at any time by contacting us or using an unsubscribe option provided in the communication.

Service-related communications concerning an existing application or client relationship are not considered marketing communications.

10. How we protect your information

We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure.

Depending on the information and systems involved, these measures may include access controls, password protection, secure technology platforms, restricted access to client information and appropriate document-handling procedures.

No method of electronic transmission or storage can be guaranteed to be completely secure. We therefore cannot guarantee absolute security of information transmitted electronically.

11. Overseas disclosure

Some technology, data storage, processing, aggregation or other service providers used in connection with our business may store or process information outside Australia.

Where personal information is disclosed overseas, we will take reasonable steps as required by applicable privacy law in relation to that disclosure.

12. Accessing or correcting your information

You may request access to personal information we hold about you or ask us to correct information that you believe is inaccurate, out of date, incomplete, irrelevant or misleading.

We may need to verify your identity before providing access or making a correction.

In some circumstances, the law may permit us to refuse access. If this occurs, we will explain the reason where required.

13. Retention of information

We retain personal information for as long as reasonably necessary for the purposes for which it was collected and to meet legal, regulatory, compliance and record-keeping obligations.

When information is no longer required, we may take reasonable steps to securely destroy or de-identify it, subject to any legal requirements to retain records.

14. Privacy complaints

If you have a concern about how we have handled your personal information, please contact us so we can investigate the matter.

Please provide sufficient information about your concern so that we can understand and investigate it. We will aim to respond within a reasonable period.

If you are not satisfied with our response, you may have the right to lodge a complaint with the Office of the Australian Information Commissioner or another relevant dispute resolution body.

Complaints relating to our credit assistance services may also be handled in accordance with the complaints process set out in our Credit Guide.

15. Contact us

If you have a privacy question, would like to request access or correction, or wish to make a privacy complaint, please contact:

16. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our business practices, technology, legal requirements or regulatory obligations.

The current version will be published on our website together with the date it was last updated.