Last Updated: July 2026
Respecting your privacy
The Privacy Act 1988 (Cth), including the Australian Privacy Principles (APPs), regulates the way personal information is collected, used, disclosed and stored. This statement explains how we collect, use and manage your personal information and credit-related information.
We are collecting personal, financial and credit-related information about you for the purpose of arranging or providing credit assistance, finance products and related services.
1. Who We Are
Straight Line Finance Pty Ltd (“Straight Line Finance”, “we”, “our”, “us”) is an Australian mortgage and finance brokerage providing:
- Residential Home Loans
- Investment Property Loans
- Commercial & Business Finance
- Asset & Equipment Finance
- Development & Construction Funding
- SMSF Lending
- Medical Professional Finance Solutions
- Refinancing & Debt Consolidation Solutions
We are committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth), Australian Privacy Principles (APPs), and applicable credit reporting laws.
By using our website or engaging our services, you consent to the collection, use and disclosure of your information as described in this Privacy Policy.
2. What Personal Information We Collect
Depending on the services we provide, we may collect:
Personal Information
- Full name
- Date of birth
- Residential and postal address
- Email address
- Telephone number
- Driver licence details
- Passport details
- Medicare details
- Citizenship and residency information
Financial Information
- Employment information
- Income and expenses
- Bank account details
- Assets and liabilities
- Tax file number (where permitted by law)
- Tax returns and financial statements
- Superannuation information
Credit Information
We may collect credit-related information including:
- Credit reports
- Repayment history information
- Existing loans and credit facilities
- Information relating to loan applications
- Information obtained from lenders and credit reporting bodies
Website and Technical Information
When you visit our website, we may collect:
- IP address
- Browser type
- Device information
- Website activity
- Date and time of visits
- Pages viewed
- Referral sources
- Cookie and tracking information
3. How We Collect Personal Information
We generally collect information directly from you when you:
- Complete an enquiry form
- Submit a finance application
- Upload supporting documents
- Contact us by phone, email or SMS
- Meet with us in person or online
- Use our website
- Interact with our social media platforms
We may also collect information from third parties where authorised or permitted by law, including:
- Lenders and financial institutions
- Mortgage aggregators
- Credit reporting bodies
- Employers
- Accountants
- Solicitors and conveyancers
- Real estate agents
- Valuers
- Government agencies
- Referrers and business partners
- Your authorised representatives
4. Why We Collect Your Information
We collect, hold and use personal information to:
- Assess your borrowing capacity
- Provide mortgage and finance broking services
- Identify suitable finance products
- Prepare and submit finance applications
- Verify your identity
- Meet responsible lending obligations
- Communicate with lenders and credit providers
- Manage ongoing client relationships
- Process commissions and payments
- Respond to enquiries and complaints
- Improve our services and website functionality
- Comply with legal and regulatory requirements
- Protect against fraud and financial crime
If you choose not to provide requested information, we may be unable to assist you with finance applications or related services.
5. Credit Information
As part of providing finance and credit assistance services, we may collect and hold credit information and credit eligibility information.
We may use this information to:
- Assess credit applications
- Evaluate loan suitability
- Verify financial circumstances
- Obtain credit reports
- Satisfy lender and regulatory requirements
- Assist with loan approvals
Credit information may be collected from:
- Credit reporting bodies
- Lenders
- Mortgage insurers
- Loan applicants and co-borrowers
- Guarantors
- Referees and employers
6. Cookies and Website Analytics
Our website uses cookies and similar technologies to improve user experience and analyse website performance.
We may use:
- Google Analytics
- Google Tag Manager
- Google Ads Conversion Tracking
- Meta Pixel (Facebook and Instagram)
- LinkedIn Insight Tag
- Microsoft Clarity
- Other approved analytics and advertising platforms
These technologies may collect information such as:
- Device information
- Browser information
- Website interactions
- Referral sources
- Approximate location data
- IP addresses
You may disable cookies through your browser settings, however some website features may not function correctly.
7. Direct Marketing
We may use your personal information to provide information about:
- Interest rate updates
- Refinancing opportunities
- Property finance insights
- New finance products
- Educational content
- Company updates and promotions
You can opt out of marketing communications at any time by:
- Clicking the unsubscribe link in emails;
- Contacting us directly; or
- Following any opt-out instructions included in our communications.
We do not sell your personal information.
8. Disclosure of Personal Information
We may disclose your personal information to:
- Banks and lenders
- Mortgage aggregators
- Credit reporting bodies
- Mortgage insurers
- Valuers
- Solicitors and conveyancers
- Settlement agents
- Accountants and financial advisers
- Government and regulatory authorities
- Technology service providers
- Professional advisers
- Fraud prevention agencies
- Referrers where authorised by you
- Any person or organisation where required or permitted by law
We only disclose personal information where necessary to provide our services or meet legal obligations.
9. Overseas Disclosure
Some of our service providers and technology platforms may process or store information outside Australia.
These countries may include:
- Philippines
- United States
- Singapore
- Other locations where our service providers operate data centres and support services
Where personal information is disclosed overseas, we take reasonable steps to ensure it is protected in accordance with Australian privacy laws.
10. Data Security
We take reasonable steps to protect personal information from misuse, loss, unauthorised access, modification and disclosure.
Security measures include:
- Secure cloud storage
- Encryption technologies
- Multi-factor authentication
- Restricted staff access
- Password protected systems
- Secure document sharing platforms
- Cyber security monitoring and controls
While we take reasonable precautions, no method of electronic transmission or storage can be guaranteed to be completely secure.
11. Access to Personal Information
You may request access to personal information we hold about you. We will provide access unless an exception under applicable privacy laws applies.
In some circumstances, we may refuse access where:
- It would be unlawful;
- It would impact the privacy of others;
- It would prejudice legal proceedings;
- It would pose a serious threat to health or safety; or
- Another legal exemption applies.
We may charge a reasonable administrative fee where permitted.
12. Correcting Personal Information
If you believe information we hold about you is:
- Inaccurate;
- Incomplete;
- Out of date;
- Irrelevant; or
- Misleading,
Please contact us and we will take reasonable steps to correct it. Where appropriate, we will notify relevant third parties of corrections.
13. Retention of Information
We retain personal information only for as long as necessary to:
- Provide our services;
- Meet legal and regulatory obligations;
- Resolve disputes;
- Enforce agreements; and
- Maintain business records.
In most cases, information relating to finance applications and customer records is retained for a minimum period of seven years, or longer where required by law. When information is no longer required, we securely destroy or de-identify it.
14. Government Identifiers
We may collect government-related identifiers such as Tax File Numbers where authorised by law.
We will not use or disclose these identifiers except where permitted or required by legislation.
15. Anonymous or Pseudonymous Enquiries
Where practical, you may make general enquiries anonymously or using a pseudonym.
However, we may be required by law to identify you before providing finance-related services, including to comply with Anti-Money Laundering and Counter-Terrorism Financing obligations.
16. Complaints
If you have concerns regarding how we handle your personal information, please contact us first so we can investigate and attempt to resolve the issue.
We aim to acknowledge complaints promptly and respond within a reasonable timeframe.
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).
Office of the Australian Information Commissioner (OAIC)
Website: https://www.oaic.gov.au
Phone: 1300 363 992
Email: enquiries@oaic.gov.au
17. Contact Us
Privacy Officer
Straight Line Finance Pty Ltd
Straight Line Finance Pty Ltd
Phone: 1800 717 481
Email: info@straightlinefinance.com.au
If you have any questions about this Privacy Policy, wish to access your personal information, request corrections, or make a complaint, please contact us using the details above.
18. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in legislation, technology, services or business practices.
The most current version will always be available on our website and takes effect from the date it is published.
