Privacy

Privacy Policy

Respecting your privacy

We respect your personal information, and this Privacy Policy explains how we handle it. The policy covers Buyer’s Choice Home Loan Advisory Service Pty Ltd (ACN 097 875 539).

This policy also includes our credit reporting policy, that is, it covers additional information on how we manage your personal information collected in connection with a credit application, or a credit facility. We refer to this credit-related information below as credit information.

If you are in a country that is a member of the European Economic Area (EEA), the EU General Data Protection Regulation 2016/679 (‘GDPR’) governs the way we collect, use, hold, process and disclose your personal information. Under the GDPR, we are a data controller. We make decisions on how and why your personal information is processed.

What personal information do we collect and hold?

General information

The types of information that we collect and hold about you could include:

ID information such as your name, postal or email address, telephone numbers, and date of birth;

other contact details such as social media handles;

financial details such as your tax file number; and

other information we think is necessary.

When the law authorises or requires us to collect information

What do we collect via your website activity?

How do we collect your personal information?

How we collect and hold your information

Unless it’s unreasonable or impracticable, we will try to collect personal information directly from you (referred to as ‘solicited information’). For this reason, it’s important that you help us to do this and keep your contact details up to date.

There are a number of ways in which we may seek information from you. We might collect your information when you fill out a form with us, when you’ve given us a call or used our website. We also find using electronic means, such as email or SMS, a convenient way to communicate with you and to verify your details.

[1] However we’ll never ask you for your security details in this way – if you are ever unsure, just Contact Us

How we collect your information from other sources

What if you don’t want to provide us with your personal information?

How we collect and hold your credit information

What do we do when we get information we didn’t ask for?

When will we notify you that we have received your information?

How do we take care of your personal information?

What happens when we no longer need your information?

How we use your personal information

What are the main reasons we collect, hold and use your information?

Collecting your personal information allows us to provide you with the products and services you’ve asked for. This means we can use your information to:

give you credit assistance;

give you information about loan products or related services including help, guidance and advice;

consider whether you are eligible for a loan or lease or any related service you requested including identifying or verifying you or your authority to act on behalf of a customer;

assist you to prepare an application for a lease or a loan;

administer services we provide, for example, to answer requests or deal with complaints; and

administer payments we receive, or any payments we make, relating to your loan or lease.

Can we use your information for marketing our products and services?

Yes, You Can Opt-Out

You can let us know at any time if you no longer wish to receive direct marketing offers from us. We will process your request as soon as practicable.

What are the other ways we use your information?

We’ve just told you some of the main reasons why we collect your information, so here’s some more insight into the ways we use your personal information including:

telling you about other products or services we make available and that may be of interest to you, unless you tell us not to;

identifying opportunities to improve our service to you and improving our service to you;

allowing us to run our business efficiently and perform general administrative tasks;

preventing any fraud or crime or any suspected fraud or crime;

as required by law, regulation or codes binding us; and

any purpose to which you have consented.

What are the grounds which we will deal with your personal information under the GDPR?

How long do we keep your information?

Who do we share your personal information with?

Sharing Your Information

Sharing with third parties

Sharing outside of Australia

How do you access your personal information?

How you can generally access your information

We‘ll always give you access to your personal information unless there are certain legal reasons why we can’t. You can ask us in writing to access your personal information that we hold. In some cases we may be able to deal with your request over the phone.

We will give you access to your information in the form you want it where it’s reasonable and practical. We may charge you a small fee to cover our costs when giving you access, but we’ll always check with you first.

We’re not always required to give you access to your personal information. Some of the situations where we don’t have to give you access include when:

we believe there is a threat to life or public safety;

there is an unreasonable impact on other individuals;

the request is frivolous;

the information wouldn’t be ordinarily accessible because of legal proceedings;

it would prejudice negotiations with you;

it would be unlawful;

it would jeopardise taking action against serious misconduct by you;

it would be likely to harm the activities of an enforcement body (e.g. the police); or

it would harm the confidentiality of our commercial information.

If we can’t provide your information in the way you’ve requested, we will tell you why in writing. If you have concerns, you can complain. See ‘Contact Us’.

How do you correct your personal information?

How we correct your information

Contact us if you think there is something wrong with the information we hold about you and we’ll try to correct it if it’s:

inaccurate;

out of date;

incomplete

irrelevant; or

misleading.

If you are worried that we have given incorrect information to others, you can ask us to tell them about the correction. We’ll try and help where we can – if we can’t, then we’ll let you know in writing.

What additional things do we have to do to correct your credit information?

How do you make a complaint?

How do you generally make a complaint?

If you have a complaint about how we handle your personal information, we want to hear from you. You are always welcome to contact us.
You can contact us by using the details below

Simon Dehne, Compliance Manager

Buyers Choice Home Loans Advisory Service
Email: compliance@mqga.com.au
Free call: 1300 886 100

We are committed to resolving your complaint and doing the right thing by our customers. Most complaints are resolved quickly, and you should hear from us within five business days

Need more help?
If you still feel your issue hasn’t been resolved to your satisfaction, then you can raise your concern with the Australian Financial Complaints Authority (AFCA)

Online: www.afca.org.au
Freecall: 1800 931 678
Email: info@afca.org.au
Mail: GPO Box 3 Melbourne Vic 3001

If you are located in the EEA, you can contact the relevant data protection authority (for example in the place you reside or where you believe we breached your rights). For example, the Office of the UK Information Commissioner:

Office of the UK Information Commissioner
Online: www.ico.gov.uk
Phone: 0303 123 1113
Live chat: https://ico.org.uk/global/contact-us/live-chat

What additional things do we have to do to correct your credit information?

What additional things do we have to do to manage your complaints about credit information?

Your Rights under GDPR

We care about your privacy. Please contact us if you have any questions or comments about our privacy policies and procedures. We welcome your feedback.

You can contact us by using the details below:

Simon Dehne, Compliance Manger
Buyers Choice Home Loans Advisory Service
Email: compliance@mqga.com.au
Free call: 1300 886 100

What if you want to interact with us anonymously or use a pseudonym?

If you have general enquiry type questions, you can choose to do this anonymously or use a pseudonym. We might not always be able to interact with you this way, however, as we are often governed by regulations that require us to know who we’re dealing with. In general, we won’t be able to deal with you anonymously or where you are using a pseudonym when:

it is impracticable; or

we are required or authorised by law or a court/tribunal order to deal with you personally.

14/07/2026