Privacy
At Rosella Finance, protecting your personal information is important to us. We are committed to handling your information responsibly and in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
This Privacy Policy explains the types of information we collect, how we use it, when it may be shared, and the choices you have regarding your personal information.
1. Information We Collect
- Full name and date of birth
- Residential and postal address
- Phone number and email address
- Identification documents
- Employment and income details
- Financial information, including assets, liabilities and expenses
- Credit-related information where permitted by law
- Property details relevant to your loan enquiry
- Information submitted through our website forms
2. How We Collect Your Information
Your information may be collected:
- Directly from you through our website, forms, phone calls or meetings
- During the loan application process
- From lenders or financial institutions
- From credit reporting bodies where authorised
- From your accountant, solicitor or financial adviser with your consent
- Through secure website technologies including cookies and analytics
Whenever practical, we collect personal information directly from you.
3. Why We Collect Your Information
We use your information to:
- Assess your borrowing requirements
- Compare suitable loan products
- Prepare and submit finance applications
- Verify your identity
- Communicate with lenders and service providers
- Respond to enquiries and provide customer support
- Improve our website and services
- Meet our legal, regulatory and compliance obligations
- Send relevant updates or marketing communications where permitted by law
You may opt out of marketing communications at any time.
4. Cookies and Website Analytics
Our website uses cookies and similar technologies to improve your browsing experience.
Cookies help us:
- Understand how visitors use our website
- Improve website performance
- Remember your preferences
- Analyse website traffic
Most web browsers allow you to disable cookies if you prefer. However, doing so may affect certain website features.
5. Sharing Your Information
- Banks and lenders
- Mortgage aggregators
- Credit reporting agencies
- Valuers and insurers
- Settlement agents and solicitors
- Identity verification providers
- IT and cloud service providers
- Government authorities where legally required
We do not sell your personal information to third parties.
6. Overseas Disclosure
Some of our technology providers or service partners may securely store or process information outside Australia.
Where this occurs, we take reasonable steps to ensure your personal information continues to receive appropriate protection consistent with Australian privacy requirements.
7. Security of Your Information
We take reasonable steps to safeguard your personal information against loss, misuse, unauthorised access, modification or disclosure.
Our security measures include:
- Secure servers
- Encryption where appropriate
- Restricted staff access
- Password-protected systems
- Regular security monitoring
While no online system can guarantee complete security, we continuously work to protect your information.
8. Accessing or Correcting Your Information
You may request access to the personal information we hold about you.
If you believe any information is inaccurate, incomplete or out of date, you may request that we correct it.
We will respond to your request within a reasonable timeframe and in accordance with applicable privacy laws.
9. Marketing Communications
With your consent, we may occasionally send you information about:
- Home loan updates
- Interest rate changes
- Finance products
- Industry news
- Special offers
You can unsubscribe from marketing emails at any time by following the unsubscribe link or contacting us directly.
10. Privacy Complaints
If you believe your privacy has been affected or you have concerns about how we handle your personal information, please contact us.
We will investigate your complaint promptly and aim to resolve it fairly and efficiently.
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) for further assistance.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our services, technology or legal obligations.
The latest version will always be available on this website, and the effective date will be updated accordingly.