Effective Date: 02/07/2026

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Website: www.mortgagecounsel.com.au

Mortgage Counsel respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, hold, use, disclose, and protect personal information when you use our website, contact us, submit an enquiry, or engage with our content or services.

By using this website, you acknowledge that you have read this Privacy Policy.

1. About Mortgage Counsel

Mortgage Counsel provides educational content and general information about home loans, refinancing, property finance, lending, and related topics. We may also assist by connecting users with mortgage brokers and other relevant third-party service providers.

2. The Information We Collect

We may collect personal information that is reasonably necessary for our business activities, including:

• your name;
• email address;
• phone number;
• suburb, state, or postcode;
• information you provide in contact forms, enquiry forms, or messages;
• information about your interest in home loans, refinancing, or related services;
• general information you choose to provide about your circumstances or borrowing needs;
• records of communications with us;
• technical and usage information such as IP address, browser type, device information, pages visited, and website interactions.

We may also collect information automatically through cookies, analytics tools, pixels, and similar technologies.

Please do not provide sensitive personal information unless we specifically request it and it is reasonably necessary.

3. How We Collect Information

We may collect personal information when you:

• visit or use our website;
• complete a form or submit an enquiry;
• request a callback or further information;
• contact us by email, phone, or online message;
• subscribe to updates or marketing communications;
• interact with our content, advertisements, or social media;
• use website tools, calculators, or other features;
• are referred to us by, or provide information through, an authorised third party.

Some information is collected automatically through website technologies such as cookies and analytics tools.

4. Why We Collect Information

We may collect, hold, use, and disclose personal information for purposes including:

• responding to enquiries and requests;
• providing website content, features, and services;
• connecting you with mortgage brokers or other relevant service providers;
• understanding your enquiry and determining how we may assist;
• improving our website, content, and user experience;
• communicating with you about your enquiry or our services;
• sending service-related or administrative communications;
• sending marketing communications where permitted by law;
• analysing website traffic, user behaviour, and campaign performance;
• managing and protecting our business, systems, and users; and
• complying with legal and regulatory obligations.

5. Referrals to Brokers and Other Providers

If you submit an enquiry or request to be contacted, we may share your personal information with mortgage brokers or other relevant third-party service providers so they can respond to your enquiry or assist you with related services.

This may include your contact details and the information you provide about your loan or property needs.

Any broker or third-party provider who receives your information will handle it in accordance with their own privacy practices, terms, and legal obligations.

6. Cookies and Analytics

We may use cookies, analytics tools, pixels, and similar technologies to collect information about how you use our website.

This may include information such as:

• pages visited;
• time spent on pages;
• browser and device type;
• traffic source;
• IP address; and
• interactions with forms, links, and advertisements.

We use this information to operate, improve, measure, and personalise the website and our marketing. You can usually manage cookies through your browser settings, although disabling them may affect website functionality.

7. Direct Marketing

We may use your personal information to send you updates, newsletters, promotional materials, or information about services that may be relevant to you, where permitted by law.

You can opt out of marketing communications at any time by using the unsubscribe link in an email or by contacting us using the details below.

Even if you opt out of marketing, we may still send service-related or administrative communications where appropriate.

8. Disclosure of Personal Information

We may disclose personal information to:

• mortgage brokers and referral partners;
• lenders and other service providers, where relevant to your enquiry;
• technology, hosting, CRM, analytics, and marketing providers;
• contractors and professional advisers who support our operations;
• related entities and business partners;
• regulators, government bodies, courts, or law enforcement where required or authorised by law.

We do not sell personal information for unrelated third-party use. We only disclose it as reasonably necessary for the purposes set out in this Privacy Policy.

9. Overseas Disclosure

Some of our service providers, platforms, or technology partners may store or process personal information outside Australia. As a result, your personal information may be disclosed to overseas recipients.

While we take reasonable steps to work with reputable providers, overseas recipients may not always be subject to Australian privacy laws in the same way as entities in Australia.

10. Storage and Security

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, and disclosure.

These steps may include secure hosting, access controls, password protection, and the use of reputable service providers. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

11. Retention of Information

We retain personal information for as long as reasonably necessary to fulfil the purposes described in this Privacy Policy, provide our services, comply with legal obligations, resolve disputes, and enforce our rights.

When personal information is no longer reasonably required, we will take reasonable steps to destroy or de-identify it where permitted by law.

12. Access and Correction

You may request access to the personal information we hold about you and request correction of inaccurate, incomplete, or out-of-date information.

We will respond to such requests within a reasonable time and in accordance with applicable law. In some circumstances, we may refuse access or correction where permitted by law.

To make a request, please contact us using the details below.

13. Complaints

If you believe we have breached applicable privacy laws or you have a complaint about how we handle your personal information, please contact us in writing.

We will investigate your complaint and respond within a reasonable time. If you are not satisfied with our response, you may have the right to lodge a complaint with the Office of the Australian Information Commissioner.

14. Third-Party Websites

Our website may contain links to third-party websites or services. We are not responsible for their privacy practices, content, or security. You should review their privacy policies before providing personal information to them.

15. Children’s Privacy

This website is not intended for children under 18, and we do not knowingly collect personal information from children through this website. If we become aware that such information has been collected without appropriate authority, we will take reasonable steps to delete it.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time by publishing the revised version on this website. Any changes take effect from the date of publication unless stated otherwise.

17. Contact Us

If you have any questions, requests, or complaints about this Privacy Policy or how we handle personal information, please contact:

Mortgage Counsel
Website: www.mortgagecounsel.com.au
Email: info@mortgagecounsel.com.au
Phone: +61 452 097 321

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