Privacy Policy

MPFG Capital Pty Ltd (ABN 70 670 779 370, Australian Credit Licence 553698) ("MPFG", "we", "us", "our") is committed to protecting the privacy of individuals in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy explains how we collect, hold, use and disclose your personal information, and how you can access and correct it.

1. Personal Information We Collect

We may collect the following types of personal information:

• Identity information: full name, date of birth, residential address, government-issued ID details
• Contact information: phone number, email address, mailing address
• Financial information: income, assets, liabilities, credit history, bank statements, tax returns
• Employment information: employer name, occupation, length of employment
• Property information: address, valuation, ownership details
• Sensitive information: where required by law or with your consent (e.g. bankruptcy or court judgment history)
• Technical information: IP address, browser type, pages visited on our website

2. How We Collect Personal Information

We collect personal information:

• Directly from you when you complete a loan application, enquiry form or contact us
• From credit reporting bodies (e.g. Equifax, Illion, Experian) with your consent
• From your employer, accountant or financial adviser (with your authorisation)
• From government agencies where permitted by law
• Automatically via our website through cookies and analytics tools

3. Purpose of Collection and Use

We use your personal information to:

• Assess and process loan applications
• Manage your loan account and ongoing relationship
• Verify your identity in accordance with Anti-Money Laundering and Counter-Terrorism Financing obligations
• Comply with our obligations under the National Consumer Credit Protection Act 2009 and related legislation
• Conduct credit checks and obtain valuations
• Communicate with you about our products and services
• Improve our website and services
• Comply with legal and regulatory obligations

4. Disclosure of Personal Information

We may disclose your personal information to:

• Lenders and wholesale funders who assess and fund your loan
• Credit reporting bodies and credit providers
• Mortgage insurers and title insurers
• Valuers, solicitors and settlement agents
• Our technology and service providers (e.g. cloud storage, IT support)
• Government and regulatory bodies where required by law
• Fraud prevention and identity verification services

We do not sell your personal information to third parties.

5. Overseas Disclosure

Some of our service providers may be located overseas (including in the United States and other countries). Where we disclose information overseas, we take reasonable steps to ensure recipients handle it in accordance with the APPs, or we obtain your consent.

6. Credit-Related Personal Information

As a credit licensee, we may collect and disclose credit-related personal information to credit reporting bodies. This includes information about your creditworthiness, credit history, and default or repayment history. We handle such information in accordance with the Privacy (Credit Reporting) Code 2014.

7. Data Security

We take reasonable steps to protect personal information from misuse, loss, unauthorised access, modification or disclosure. This includes physical, electronic and procedural safeguards. When personal information is no longer required, we securely destroy or de-identify it.

8. Access and Correction

You have the right to request access to the personal information we hold about you and to request corrections if it is inaccurate, incomplete or out of date. To make a request, please contact us using the details below. We will respond within 30 days.

9. Cookies and Website Analytics

Our website uses cookies and similar technologies to improve user experience and analyse traffic. You may disable cookies through your browser settings; however, this may affect certain website functionality. We use anonymised analytics data only and do not identify individual users through website tracking.

10. Complaints

If you believe we have breached the APPs or your privacy rights, please contact us in the first instance. We will acknowledge your complaint within 5 business days and endeavour to resolve it within 30 days. 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 or the Australian Financial Complaints Authority (AFCA) at www.afca.org.au.

11. Updates to This Policy

We may update this Privacy Policy from time to time. The current version will always be available on our website. We encourage you to review this policy periodically.