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Our commitment to protect your privacy

We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information. It also includes our policy on the handling of credit reports and other credit information.

During your relationship with us, we may tell you more about how we handle your personal information in application forms or terms and conditions, for example. You should read these documents carefully.

We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed by law. It is important to us that you are confident that any personal information we hold about you will be treated in a way that ensures protection of your personal information.

Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act 1988 (Privacy Act), the Privacy (Credit Reporting) Code 2014 (Credit Reporting Code) and any other relevant laws.

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Personal information

When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you.

The kinds of personal information we may collect about you include your name, date of birth, address, email address, phone number, account details, occupation, transaction history and any other information we may need to identify you.

If you are applying for finance we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses, and your Tax File Number or tax residency status.

When you visit our website, we collect your location information, IP address, device and network information and any third party sites you access. For more information, see the heading 'Cookies' below.

The personal information we collect, hold and use may include Credit-related information.

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Credit-related information means:

Credit information is personal information or an opinion about you that has a bearing on credit that has been provided to you or that you have applied for. This includes information about your identity; the type, terms and maximum amount of credit provided to you, including when the credit was provided and when it was repaid; repayment history information, default information (including overdue payments); payment information; new arrangement information; financial hardship arrangement information including whether you have made a financial hardship arrangement with us; details of any serious credit infringements; court proceedings information; personal insolvency information and publicly available information; and

Credit eligibility information, which is credit reporting information supplied to us by a credit reporting body, and any information that we derive from it.

We use your Credit-related information to assess your eligibility to be provided with finance. Usually, Credit-related information is exchanged between credit and finance providers and credit reporting bodies.

Why we collect your personal information

We collect and receive personal information about you (including Credit-related information) in order to conduct our business including for the purposes of assessing your application for finance and managing that finance, establishing your identity, contacting you, managing our risk, and to comply with our legal obligations. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you.

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How we share your information with myhomeloancheckup.com.au

Palmary Loans works closely with myhomeloancheckup.com.au, a related lead-generation and information website also operated by C & M Steele Investments Pty Ltd. If you were referred to us through myhomeloancheckup.com.au, the personal information you provided there will have been shared with us for the purpose of allowing our licensed mortgage broking team to contact you and provide credit assistance. We disclose this relationship openly so you understand exactly who is handling your information and why.

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Do we disclose your personal information?

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We may disclose your personal information:

• to existing or prospective funders or other intermediaries in relation to your finance requirements;
• to other guarantors, borrowers and other security providers (if more than one);
• to other organisations involved in managing or administering your finance such as valuers, surveyors, lenders mortgage insurers, recovery firms, debt collectors, lawyers and credit reporting bodies;
• to our agents, contractors or external service providers, for example, for information technology support;
• to anybody who represents you, such as lawyers, guardians, persons holding power of attorney and accountants;
• to anyone, where you have provided us consent;
• where we are required to do so by law, such as under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 or in accordance with a subpoena or summons issued by a court; or
• to related businesses such as myhomeloancheckup.com.au, both operated by C & M Steele Investments Pty Ltd.

Your Rights

You have the right to request access to the personal information we hold about you, request corrections to that information, or withdraw your consent to being contacted at any time. To exercise any of these rights, please contact us using the details on our Contact page.

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Data Security

We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

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Retention of Information

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by law.

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Complaints

If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact us. We will acknowledge your complaint within seven days and aim to provide a decision within 30 days.

If you are dissatisfied with our response, you may make a complaint to the Australian Financial Complaints Authority (AFCA), phone 1800 931 678, email info@afca.org.au, or in writing to GPO Box 3, Melbourne VIC 3001; or the OAIC at www.oaic.gov.au or 1300 363 992.

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Change in our privacy policy

We may change this privacy policy from time to time as the need arises. This Privacy Policy was last updated on 24 July 2026."

Business Name: Palmary Loans

Phone: +61 428 434 590

Email: chris@palmaryloans.com.au

Address: Level 6, 200 Adelaide St, Brisbane, QLD 4000