Privacy Policy – The Ark Finance
Effective Date: 2025
The Ark Finance ("we", "our", "us") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
1. What Information We Collect
We may collect personal information from you when you:
Apply for or enquire about our mortgage broking services. Use our website (thearkfinance.com.au). Communicate with us via phone, email, or in person.
This may include:
Identification details (name, date of birth, address). Contact details (phone, email). Financial details (income, expenses, assets, liabilities, credit history). Employment details. Any other information necessary to provide you with mortgage and finance services.
2. How We Collect Your Information
We collect personal information directly from you, through forms, applications, or communications. We may also collect information from third parties where authorised (e.g., credit reporting bodies, employers, accountants, or other financial institutions).
3. Why We Collect Your Information
We collect, hold, and use your personal information to:
Assess your finance needs and eligibility. Provide mortgage broking and related financial services. Submit applications to lenders on your behalf. Comply with our legal and regulatory obligations. Communicate with you about your application and ongoing services. Improve our website and customer experience.
4. Disclosure of Personal Information
We may share your personal information with:
Lenders, banks, and credit providers. Credit reporting agencies. Our related entities, contractors, and service providers (IT, legal, compliance, auditors). Government or regulatory authorities if required by law.
We will not sell, rent, or trade your information to third parties.
5. Storage and Security
We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, or disclosure. Your information may be stored electronically or in hard copy, secured in compliance with industry standards.
6. Overseas Disclosure
In some cases, your personal information may be disclosed to lenders or service providers located overseas. Where this occurs, we will take reasonable steps to ensure that your information is handled in accordance with the Australian Privacy Principles.
7. Access and Correction
You have the right to access the personal information we hold about you and request corrections if it is inaccurate, out of date, or incomplete. To make a request, please contact us (see Section 10 below).
8. Marketing
With your consent, we may use your personal information to send you updates, offers, or newsletters related to our services. You may opt out of marketing communications at any time by contacting us or using the unsubscribe option.
9. Cookies & Website Usage
Our website may use cookies and analytics tools to enhance your browsing experience. These do not identify you personally but help us improve site functionality and services.
10. Contact Us
If you have any questions about this Privacy Policy, or if you wish to access or correct your personal information, please contact us:
The Ark Finance Email: [email protected] Phone: 02 4648 1480 Address: 5/13 McPherson Road Smeaton Grange NSW 2567
11. Complaints
If you believe your privacy has been breached, please contact us. We will investigate your complaint and respond promptly. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.