Privacy Policy

Navigator Broking Pty Ltd (ABN: 87 658 763 976) is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our mortgage broking services.

1. Information We Collect

We may collect the following types of information:

• Personal Information: Name, address, phone number, email address, date of birth
• Financial Information: Income details, employment information, financial statements, credit history
• Identification Information: Driver's license, passport, other identification documents
• Website Usage: IP address, browser type, pages visited, time spent on site
• Communication Records: Records of phone calls, emails, and other communications

2. How We Use Your Information

We use your information for the following purposes:

• To provide mortgage broking and financial services
• To assess your eligibility for loans and financial products
• To communicate with you about our services
• To comply with legal and regulatory requirements
• To improve our website and services
• To send you marketing communications (with your consent)

3. Information Sharing and Disclosure

We may share your information with:

• Lenders and Financial Institutions: To process loan applications
• Credit Reporting Bodies: For credit checks and reporting
• Professional Service Providers: Lawyers, accountants, valuers, and other professionals
• Regulatory Bodies: ASIC, AUSTRAC, and other regulatory authorities as required
• Service Providers: IT support, marketing agencies, and other business partners

4. Data Security

We implement appropriate technical and organisational security measures to protect your personal information against unauthorised access, alteration, disclosure, or destruction. These measures include:

• Secure data transmission using SSL encryption
• Restricted access to personal information on a need-to-know basis
• Regular security audits and updates
• Staff training on privacy and security procedures

5. Your Rights

Under Australian privacy law, you have the right to:

• Access your personal information
• Correct inaccurate or outdated information
• Request deletion of your information (subject to legal requirements)
• Opt-out of marketing communications
• Make a complaint about our privacy practices

6. Credit Information

As a credit provider and credit assistance provider, we handle credit information in accordance with the Privacy Act 1988 (Cth) and the Credit Reporting Privacy Code. This includes:

• Collecting credit information for the purpose of assessing creditworthiness
• Sharing credit information with credit reporting bodies and other credit providers
• Providing you with information about our credit reporting practices

7. Website Cookies and Analytics

Our website uses cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Improve website functionality and user experience
• Provide personalised content and advertising

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

9. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services to you
• Comply with legal and regulatory requirements
• Resolve disputes and enforce our agreements

Generally, we retain client records for at least 7 years after the end of our relationship, or as required by law.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website with an updated "Last Updated" date. We encourage you to review this policy periodically.

11. Contact Information

If you have any questions about this Privacy Policy or our privacy practices, please contact us:

• Email: info@navigatorbroking.com.au
• Phone: 0405 678 979
• Address: Melbourne, Victoria

12. Complaints

If you have a complaint about our handling of your personal information, please contact us first. If you are not satisfied with our response, you can contact:

• Office of the Australian Information Commissioner (OAIC)
• Website: www.oaic.gov.au
• Phone: 1300 363 992