Privacy Policy

1. Overview

Sovereign Lending Pty Ltd (ABN 12 345 678 901) is committed to protecting your personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth). This policy explains how we collect, use, disclose, and protect your personal information.

2. Information We Collect

We collect personal information necessary to assess your lending needs and provide our broking services, including:

• Contact details (name, email, phone, address)
• Financial information (income, expenses, assets, liabilities)
• Employment details
• Identification documents
• Credit history (with your consent)
• Property details relevant to your loan enquiry

3. How We Use Your Information

We use your personal information to:

• Assess your borrowing capacity and loan suitability
• Compare and recommend loan products from our lender panel
• Submit loan applications on your behalf
• Communicate with you about your enquiry or application
• Comply with our legal obligations under the National Consumer Credit Protection Act 2009
• Improve our services and website experience

4. Disclosure of Information

We may share your personal information with:

• Lenders and financial institutions on our panel (for loan applications)
• Our aggregator and industry bodies (for compliance purposes)
• Credit reporting bodies (with your consent)
• Professional advisors (lawyers, accountants) as necessary
• Government bodies where required by law

We will never sell your personal information to third parties for marketing purposes.

5. Data Security

We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, or disclosure. Our security measures include encrypted data transmission, secure document storage, access controls, and regular security audits.

6. Access and Correction

You have the right to access and correct your personal information held by us. To make a request, contact our Privacy Officer at hello@sovereignlending.com.au or call 02 8000 1234.

7. Cookies and Analytics

Our website uses cookies and analytics tools to improve your browsing experience and understand how visitors use our site. You can manage cookie preferences through your browser settings.

8. Complaints

If you believe we have breached the Australian Privacy Principles, please contact our Privacy Officer. If you're not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).