Your information.
Handled with care.

When you contact us, use our website or ask us to assist with your finance needs, we may collect information including:

• your name, date of birth, address, telephone number and email details;
• identification information, including information contained in identity documents;
• information about your employment, occupation and income;
• information about your expenses, assets, liabilities and existing financial commitments;
• information about the finance you are seeking, including existing or proposed loans and credit arrangements;
• bank statements, transaction information and other documents you provide in support of an application or authorise us to obtain;
• information about properties, businesses or other assets relevant to the finance you are seeking;
• information about your credit history or creditworthiness that you provide to us, authorise us to collect, or that we receive through a lender, our aggregator or another permitted channel in connection with your finance application;
• information relating to your finance application, including the lender selected, application status, lender requirements, conditions, approval information and settlement information;
• sensitive information, including health or vulnerability information, where you consent to us collecting it and it is reasonably necessary for the services we provide;
• records of our communications with you, including telephone or video recordings where permitted by law and after any notice or consent required by law; and
• website information, such as your IP address, device and browser information, pages viewed and information submitted through online forms.

We generally collect information directly from you when you meet with us, contact us by telephone or email, complete an online form, provide documents, use our website or ask us to assist with your finance needs.

We may also collect personal information from third parties where you have authorised us to do so or where it is otherwise permitted by law. These parties may include lenders and credit providers, our aggregator, authorised representatives, referral partners, valuers, mortgage insurers, solicitors, conveyancers, accountants and other professional or service providers involved in your finance application.

We use your personal information to:

• understand your requirements, objectives and financial circumstances;
• assess how we may assist with your finance requirements;
• research and compare available loan and credit products;
• provide mortgage and finance broking and credit assistance services;
• explain and present credit options that may be appropriate for your circumstances;
• prepare and submit finance applications to lenders or credit providers selected by or agreed with you;
• communicate with lenders, our aggregator and other parties involved in assessing and processing your application;
• manage supporting documents, lender conditions, approvals and settlement requirements;
• provide ongoing assistance with existing lending, refinancing and future finance requirements where requested;
• comply with our obligations under applicable credit legislation, including our mortgage broker best interests obligations where applicable;
• maintain client, compliance and business records;
• manage enquiries, complaints and regulatory requirements; and
• communicate with you about our services where permitted by law.

If you do not provide the information we reasonably need, we may be unable to properly assess or progress your application.

Technology and AI tools. We use business versions of AI tools to assist with analysis and preparation of drafts. Where client information is processed using these tools, we use business arrangements and privacy settings designed to prevent that information being used to train publicly available models. A member of our team reviews the resulting work. Recommendations about credit products are made by our team, not by automated systems, and lenders make their own credit decisions. We do not use computer programs to make decisions about you that significantly affect your rights or interests.

We do not sell, lease or rent your personal information.

We may disclose personal information, where reasonably necessary for the services we provide, to:

• lenders and credit providers when researching, preparing or submitting finance applications;
• our aggregator and associated loan-processing platforms;
• valuers and valuation providers;
• lenders mortgage insurers and other relevant insurance providers where applicable;
• solicitors and conveyancers;
• accountants and other professional advisers where you have authorised their involvement;
• real estate agents and other parties involved in the property transaction your finance relates to, for example to confirm the status of your finance approval, where you have authorised this;
• identity-verification, fraud-prevention and compliance service providers;
• technology, CRM, document-storage, communications and administration service providers;
• 80 Metrics Property Advisory, only as described above;
• government agencies, regulators, courts, dispute-resolution bodies or law-enforcement agencies where required or authorised by law; and
• any other person or organisation where you have authorised us to disclose the information.

We will not tell a selling agent your borrowing capacity or approval limit unless you instruct us to.

Lenders and credit providers may separately obtain or disclose credit-related information to credit-reporting bodies in accordance with applicable law and their own privacy and credit-reporting policies.

We take reasonable steps to ensure organisations handling information on our behalf have appropriate privacy and security obligations.

We may store personal information in secure client-management, cloud-storage, communication and document-management systems, as well as physical records where necessary.

If a data breach occurs, we will assess and respond to it in accordance with applicable privacy laws, including notifying affected individuals and the Office of the Australian Information Commissioner where required.

Some of our service providers and contractors access, process or store personal information outside Australia. Based on our current arrangements, this includes the United States (email and document storage, video meetings, scheduling, email marketing and AI tools), the Philippines (lending support, design and administrative support) and Indonesia (website development and maintenance). Our website and our client management platform, Mercury, are hosted in Australia.

Where personal information is disclosed to an overseas recipient, we take reasonable steps required by applicable privacy law in relation to the handling of that information.

We will update this Privacy Policy if our overseas information-handling arrangements materially change.

Our website may use cookies and similar technologies to operate, remember preferences and understand how the website is used.

This may include your IP address, device and browser information, pages viewed and the date and time of your visit. Some embedded tools, such as our booking calendar and online forms, may set their own cookies.

You can usually restrict cookies through your browser settings, although doing so may affect some website functions.

Where you have consented, or where we are otherwise permitted by law, we may send you relevant service updates, articles, events or offers. Our marketing communications will identify Key Choice Lending and include a way to unsubscribe. We do not use 80 Metrics client information for Key Choice Lending marketing. Making an enquiry, requesting assistance or booking a meeting does not, by itself, subscribe you to marketing communications.

You can opt out of marketing communications at any time by using the unsubscribe facility in the communication or by contacting us using the details in this policy. Where required by law and practicable, you may also ask us to tell you the source of the personal information we have used for direct marketing.

We will not use sensitive information for direct marketing without your consent.

We retain personal information for as long as reasonably necessary to provide our services and meet our legal, regulatory, professional and record-keeping obligations. When personal information is no longer required to be retained, we take reasonable steps to securely destroy or de-identify it.

You can ask to access the personal information we hold about you or request a correction if it is inaccurate, out of date, incomplete, irrelevant or misleading.

Where appropriate, we will correct, amend or delete personal information that we agree is inaccurate, subject to our legal and regulatory record-retention obligations.

We may need to verify your identity before responding. We aim to respond within 30 days.

We do not charge for making an access or correction request, although reasonable administrative costs may apply when providing access. We will tell you about any charge before proceeding.

In limited circumstances, we may be permitted or required to refuse access or correction. If this happens, we will explain why in writing, unless it would be unreasonable to do so, and outline your complaint options.

This Privacy Policy explains how we handle your personal information. Where we are required to obtain your consent to collect, use or disclose particular information, we will seek that consent at the appropriate time.

Depending on the services you request, this may include consent relating to information provided to lenders, finance applications, credit enquiries, third-party service providers, electronic communications or direct marketing.

Where permitted by law, you may withdraw a consent you have given by contacting us, although withdrawing consent may affect our ability to provide certain services.

For access or correction requests, privacy questions or complaints, contact our Privacy Officer:

You may make a complaint in writing, by email, telephone, in person or online.

We will acknowledge your complaint within one business day and aim to give you a final response within 30 calendar days. If we cannot, we will tell you why, when we expect to respond, and that you can take your complaint to AFCA.

If your complaint relates to our mortgage and finance broking or credit assistance services and we have not resolved the matter to your satisfaction, you may contact the Australian Financial Complaints Authority (AFCA). AFCA provides a free and independent external dispute resolution service.

Australian Financial Complaints Authority (AFCA)
Telephone: 1800 931 678
Website: afca.org.au

If your complaint concerns the way we have handled your personal information and you are not satisfied with our response, you may also be entitled to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

Office of the Australian Information Commissioner (OAIC)
Telephone: 1300 363 992
Website: oaic.gov.au