Edgeview Finance Privacy Policy
Protecting your privacy in accordance with Australian Privacy Principles
Edgeview Mortgages Pty Ltd trading as Edgeview Finance (ACN 167 233 712) (Australian Credit Licence 459287) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, store and protect your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
Quick summary: We collect only what we need to provide and improve our services; we primarily store your data in Microsoft 365 in Australia. Some service providers process information in the United States and the Philippines under contractual safeguards. We use AI tools with strict safeguards, secure data with strong controls, and let you access, correct or complain at any time.
Information We Collect
Personal Information
- • Name, address, email, phone
- • Date of birth
- • Employment and business details
- • Identity verification documents
Financial Information
- • Income, expenses, assets, liabilities
- • Bank statements and account details
- • Tax returns and financial statements
- • Finance eligibility information
Credit Information
- • Credit reports (Equifax, Experian, Illion)
- • Credit history and repayment records
- • Website usage and interaction data
- • Communications and service notes
How We Use & Share Your Information
How We Use
Provide Services
Provide and administer services you request, including assessing eligibility and arranging finance.
Verify & Comply
Verify identity and meet legal obligations including AML/CTF, responsible lending and record-keeping.
Manage Relationship
Manage our relationship with you, including communications, customer support and account management.
Operate & Improve
Operate, secure and improve our websites, systems and services, including analytics and troubleshooting.
Who We Share With
Service Providers
Microsoft 365 and security/IT providers who help us operate, with appropriate contractual safeguards.
Credit Providers
Credit providers and intermediaries involved in arranging the finance you request.
Regulators & Law
Regulators and law enforcement where required or authorised by law.
Professional Advisers
Legal, accounting, compliance advisers and auditors on a confidential basis, or other parties with your consent.
Overseas Disclosure
We primarily store your personal information in our Microsoft 365 tenant located in Australia. Some service providers and systems store or process information overseas. Before disclosing personal information to an overseas recipient, we take reasonable steps to ensure it is handled consistently with the Australian Privacy Principles, including through contractual data-protection terms.
United States
Email delivery and certain AI and productivity tools may process information there under safeguards.
Philippines
A member of our team provides remote support and accesses information only as needed under confidentiality obligations.
We require overseas recipients to protect information consistently with the APPs, use it only for the agreed purpose, and notify us of a data breach. We update this policy when our overseas processing materially changes.
Our Use of Artificial Intelligence
We use AI tools to help draft communications, organise information and streamline routine tasks. When we do:
- We do not allow your personal information to be used to train or improve AI models.
- We use services that are subject to appropriate confidentiality and data-protection terms.
- A person, not AI alone, makes decisions that affect you, including credit assessments and recommendations.
- We handle personal information used with AI tools in accordance with this policy and the APPs.
Your Privacy Rights
Access Your Data
You can request access to personal information we hold about you.
Correct Information
Request corrections if information is inaccurate, out of date, incomplete or misleading.
Opt Out Marketing
Opt out of direct marketing at any time using unsubscribe links or by contacting us.
Complain Process
Contact us first with complaints. If unsatisfied, escalate to OAIC.
Data Security Measures
Identity & Access
Multi-factor authentication (MFA), Conditional Access, least-privilege access and regular access reviews.
Data Protection
Microsoft Purview sensitivity labels, Data Loss Prevention (DLP), and encryption in transit and at rest.
Breach Response
If an eligible data breach occurs, we will notify the OAIC and affected individuals as soon as practicable.
Secure Storage
Data primarily stored in our Microsoft 365 tenant in Australia. Some processing occurs in the United States and the Philippines under contractual safeguards.
Retention & Destruction
We keep personal information for as long as needed to provide services and meet legal requirements. Financial records and client files are retained for at least seven (7) years. When no longer required, we destroy or de-identify information unless required by law to retain it.
Third-party Links
Our website may contain links to third-party sites. We are not responsible for the privacy practices of those sites. We recommend you review their privacy policies before providing any personal information.
Changes to This Policy
We may update this policy from time to time. The updated version will be posted on our website with a new effective date. Material changes will be communicated where appropriate. Review cycle: Annual or on regulatory change.
Privacy Questions or Concerns?
Edgeview Mortgages Pty Ltd
ACN: 167 233 712 | ACL: 459287
Postal: PO BOX 3208, Helensvale QLD 4212
OAIC - Office of the Australian Information Commissioner
If you're not satisfied with our response, you may contact the OAIC for privacy-related complaints.