FAJ Home Loans is committed to protecting the privacy and confidentiality of personal information in accordance with the Australian Privacy Act 1988 and the Australian Privacy Principles (APPs). This Privacy Policy outlines how we collect, use, disclose, and safeguard personal information.

1. Collection of Personal Information

We collect personal information that is necessary for providing our accounting, taxation, andfinancial advisory services. The types of personal information we may collect include:

• Name, address, email, and phone number
• Date of birth and identification detail
• Tax File Numbers (TFNs)
• Business and financial information
• Bank account details
• Employment and income details
• Superannuation and investment details

We may collect personal information directly from you, through our website, by email, over the phone, or from third parties such as the Australian Taxation Office (ATO) or financial institutions.

2. Use of Personal Information

We use personal information to:

• Provide mortgage broking services
• Communicate with clients and respond to inquiries
• Comply with legal and regulatory requirements
• Improve our services
• We do not use personal information for direct marketing purposes unless we have obtained consent or it is otherwise permitted by law.

3. Disclosure of Personal Information

We may disclose personal information to:

• Government agencies such as the ATO and ASIC
• Financial institutions
• Legal and professional advisors
• Third-party service providers assisting with our business operations
• Other parties with your consent or as required by law

We take reasonable steps to ensure that third parties protect your personal information in accordance with privacy laws.

4. Data Security

We implement security measures to protect personal information from misuse, loss, unauthorised access, modification, or disclosure.

These measures include:

Secure electronic storage systems
Restricted access to sensitive information
Encryption and firewalls
Staff training on privacy obligations

5. Access and Correction

You have the right to access the personal information we hold about you and request corrections if it is inaccurate or incomplete.

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

6. Retention of Personal Information

We retain personal information for as long as necessary to fulfil our business purposes and comply with legal obligations. When no longer required, we take steps to securely destroy or de-identify personal information.

7. Cookies and Website Analytics

Our website may use cookies and analytics tools to improve user experience. You can disable cookies through your browser settings, but this may affect website functionality.

8. Overseas Disclosure

In some cases, we may store or process personal information outside Australia. Where this occurs, we take reasonable steps to ensure that privacy protections are in place.

9. Complaints and Contact Information

If you have any concerns about how we handle your personal information, you can contact us at:

FAJ Home Loans

PO Box 372
Yallingup WA 6282
0438 407 770
kristian@fajhomeloans.com.au

If you are not satisfied with our response, you may lodge a complaint with the Office of the

Australian Information Commissioner (OAIC) at www.oaic.gov.au.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The latest version will be available on our website. Continued use of our services constitutes acceptance of any updates.

Last update: 13 March 2025

© Copyright – FAJ Home Loans 2025