Privacy Policy

Effective Date: JUNE 2025

iChoice Central Coast ("iChoice Central Coast", "we", "our", or "us") is committed to protecting your privacy. This Privacy Policy outlines how we collect, store, use, and disclose your personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).

1. What Information We Collect
We may collect personal information such as:
- Full name, address, and contact details
- Date of birth and gender
- Employment and income details
- Identification documents (e.g. driver’s licence, passport)
- Financial details including assets, liabilities, credit history
- Information about your property and borrowing needs

We may also collect sensitive information with your consent (e.g. health status if required for insurance-related finance).

2. How We Collect Your Information
Information is collected:
- Through web forms, applications, and email communications
- During phone calls or meetings
- Via cookies or tracking tools used on our website (non-identifiable data)
- From third parties with your authorisation (e.g. credit agencies, financial institutions)

3. Why We Collect It
We collect your information to:
- Provide mortgage broking services
- Assess your borrowing capacity
- Submit applications to lenders on your behalf
- Respond to your enquiries and provide support
- Comply with legal and regulatory obligations
- Improve our website, services, and communications

4. Disclosure of Information
We may share your information with:
- Lenders, aggregators, and financial institutions
- Our referral partners and trusted service providers
- Credit reporting agencies (with your consent)
- Legal or regulatory authorities if required

We do not sell your personal information.

5. Storage and Security
We store personal information securely using encrypted platforms, password-protected systems, and restricted access protocols. We take reasonable steps to protect your data from misuse, interference, or unauthorised access.

6. Access and Correction
You can request access to your personal information or ask for corrections by contacting us in writing. We will respond within a reasonable timeframe in accordance with the Privacy Act.

7. Marketing
We may use your information to send you updates or marketing communications. You may opt out of receiving these at any time.

8. Website Analytics and Cookies
Our site may collect non-identifiable data (e.g. IP addresses, browser type) through cookies and analytics tools. This helps us understand site usage and improve your experience.

9. Changes to This Policy
We may update this policy periodically. The latest version will be available on our website

13. Contact
For any queries regarding these Terms, please contact us at:
iChoice Central Coast  
Email: dani@ichoicecentralcoast.com.au
Phone: 02 XXXX XXXX