The privacy of the personal information you provide Go Finance Solutions Pty Ltd is important to us.

Our Privacy Policy governs the collection and use of personal information by Go Finance Solutions, its related entities, subsidiaries, employees and the broker that will assist you.

This Privacy Policy sets out how we intend to respect your rights to privacy in accordance with the National Privacy Act.

This Privacy Consent governs the collection, use and disclosure of your personal information by Go Finance Solutions Pty Ltd.

Who are we?

‘We’, ‘us’ and ‘our’ refers Go Finance Solutions Pty Ltd (ABN 99 604 335 524), Credit Representative Number (CRN 475315) associated with Mortgage Australia Group (ACL 377294) and our subsidiaries and related businesses.

What information will we collect?

We collect and store personal information from various individuals, including clients, customers, and others as necessary for operational purposes. Personal information, as referred to here, denotes data that reasonably identifies an individual or includes opinions about them.

The primary types of information we typically gather include:
• Personal details such as name, address, email, phone numbers, date of birth, and similar contact or identity information.
• Financial and accounting-related information such as dependant and cohabitant details, residential history, employment specifics, income verification, and tax file numbers or residency status, investment details, banking details, and other relevant financial service particulars.
• Details about an individual’s financial situation and goals, encompassing assets, liabilities, income, expenditures, and investment preferences.
• Additional particulars gathered when applying for financial services,
• When accessing our websites or mobile applications, we may also gather location data, IP addresses, mobile device specifics, network details, and information regarding third-party sites visited.

We may collect, use and/or review your Credit-related Information. Credit-related information refers to personal details or opinions affecting credit previously extended or applied for, including:
• Identity confirmation, credit type, terms, maximum amounts, issuance and repayment timelines, repayment history, default occurrences, payment specifics, new arrangement details, financial hardship agreements, serious credit breaches, court actions, personal insolvency records, and publicly accessible data.
• Credit eligibility specifics sourced from credit reporting bodies, alongside derived insights.
This credit-related data aids in assessing eligibility for finance and is typically exchanged among credit and finance providers and credit reporting agencies. For purchases made through us or involving us, payment information is also collected, whether for transactions or payments to individuals.

How do we collect your personal information?

We primarily collects your personal information directly from you during our interactions. This information may be provided through filled-out forms, face-to-face meetings, website or online service usage, email and/or phone calls.

We also gather information about you from publicly available sources, including public registers and social media platforms, as well as from third parties such as credit reporting agencies, finance brokers, employers, and professionals like accountants, lawyers, and referees. In every instance, we handle your information in line with our Privacy Policy, ensuring it is collected, stored, used, and shared responsibly.

How do we use your personal information?

We or our staff at Go Finance Solutions will access personal information relating to client matters to provide services effectively. Other staff members will access personal information relevant to their specific roles and duties.

We disclose your personal information for the purposes for which it was collected. Generally, this means we only share your personal information to carry out our business functions and activities. This may involve disclosing your information to third parties who provide administrative or business management services, as well as to our Related Entities. Such disclosures are always made confidentially or as required by law. We may also share your personal information with your consent or if disclosure is necessary or permitted by law.

Do we disclose your personal information?

We may need to share your personal information with various third-party organisations, including (but not limited to):
• Existing or potential funders or intermediaries related to your financial needs.
• Other guarantors, borrowers, and additional security providers, if applicable.
• Borrowers or potential borrowers, particularly concerning any credit you guarantee or intend to guarantee.
• Organisations involved in managing or administering your finances, such as valuers, surveyors, third-party suppliers, postal services, lenders mortgage insurers, trade insurers, debt and recovery collectors, solicitors, and credit reporting bodies.
• Our agents, contractors, or external service providers for outsourced functions like statement production, debt recovery, and IT support.
• Any representative acting on your behalf, including finance brokers, lawyers, guardians, attorneys, and accountants.
• Your current or previous employer, referees, or identity verification services.
• Individuals or entities where you have given us explicit consent.
• Instances where disclosure is required by law, such as under the Anti-Money Laundering and Counter Terrorism Financing Act 2006, or pursuant to a subpoena or court summons.
• Other financial institutions.
• Providers of products or services used or marketed by us.

Overseas disclosures

We store the credit-related information we hold about you in electronic form on our secure servers and/or in paper form. We use cloud storage for personal and credit-related information, and these storage facilities and IT servers may be located outside Australia.

Our business is affiliated with other businesses overseas. While doing business with you, we may disclose some of your personal information to overseas recipients. We will only do so under the following conditions:
• It is necessary to complete the transaction you have entered.
• You have provided consent.
• We believe on reasonable grounds that the overseas recipient is required to handle your personal information in compliance with the Australian Privacy Principles or a substantially similar privacy scheme.
• It is otherwise permitted by law.

Currently, some of our network entities may exchange data with our overseas affiliate overseas. However, this exchange does not alter our commitment to safeguarding your privacy, and the data remains subject to existing confidentiality obligations.

Updating and Accessing Your Personal Information

We prioritise keeping your personal information accurate and up to date. During our relationship, we may ask you to notify us of any changes to your personal information. You can contact us to update your information, and we generally rely on you to ensure the accuracy and completeness of the information we hold.

Access and Correction of Personal and Credit Information

You have the right to access the personal and credit-related information we hold about you at any time. To request access, please contact us. We may charge a fee to cover the costs of retrieving and supplying the information. Depending on the nature of your request, we may respond immediately or within seven days. In some cases, we may need to contact other entities to properly investigate your request.

In certain situations, we may deny access to your information, such as when the information relates to existing or anticipated legal proceedings, or if the information is commercially sensitive. If we deny access, we will provide an explanation.

If you wish to have your personal information deleted, please contact our office. We will take reasonable steps to delete your information unless it is necessary for legal, auditing, or internal risk management purposes.

If you find that any personal or credit-related information we hold about you is incorrect, inaccurate, or out of date, you may request a correction. If appropriate, we will make the correction. Otherwise, we will provide an initial response within seven days and, if necessary, consult other entities as part of our investigation. We aim to inform you within 30 days whether we have corrected the information. If we refuse to make the correction, we will provide our reasons.

Compliments and Concerns

We work diligently to build strong and lasting relationships with our valued customers. By listening to your feedback, we can address immediate concerns and continuously improve our products and services.

We understand that there are times when you may wish to compliment us on something we have done well, and other times when we may not have met your expectations.
Our representatives are always delighted to hear when they have succeeded in making your experience pleasant and successful. If one of our representatives has provided exceptional service, please let us know via phone or email, so that we can encourage them through this feedback process.

If, for any reason, you do not feel you have received the highest standard of care from us, we encourage you to share your concerns and we have them addressed quickly and fairly. If you choose to contact us via phone or email, please provide as much detail as possible about your complaint.

If you have lodged a complaint with us, you can contact us at any time to ask for an update on its status. Use any of the methods listed above and refer to your earlier communication so that we can respond effectively.

We will try to resolve your complaint on the spot. However, if this is not possible, we will acknowledge your complaint within 5 days. We will ensure you are treated fairly and will work to resolve your complaint as soon as possible. In the rare event we are still investigating your complaint after 45 days, we will write to explain why and let you know when we expect to complete our investigation. Once we have completed our investigation, we will inform you of the outcome and the reasons for our decision.

We hope you will be satisfied with how we handle your complaint. However, if your concerns remain unresolved, or you have not heard from us within 45 days, you can have your complaint reviewed by External Dispute Resolution Scheme, AFCA.

Australian Financial Complaints Authority

The Australian Complaints Authority (AFCA) provides fair and independent financial services complaint resolution that is free to consumers. ACFA can be contacted at:
W: www.afca.org.au
E: info@afca.org.au
P: 1800 931 678 (free call)
In writing to: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

Privacy Policy Updates

We continuously review our policies to stay current with market expectations, evolving technology, laws, and market practices. As a result, we may update this privacy policy periodically. The latest version is always available on our website.

This Private Policy was last updated on 30 June 2024.