Specialised Finance Australia

Privacy Policy

How we collect, use, and protect your personal information.

Effective date: 27 June 2026

1. Introduction

Specialised Finance Australia Pty Ltd (ACN 665 219 876) ("we", "us", "our") is committed to protecting the privacy of your personal information. We are a subsidiary of FRM Consulting Group (Aust) Pty Ltd (ACN 630 110 682).

This Privacy Policy outlines how we collect, hold, use, and disclose your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). By engaging with our services or providing us with your personal information, you consent to the practices described in this policy.

2. Australian Privacy Principles

We are bound by the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth). The APPs regulate how organisations collect, use, disclose, store, and provide access to personal information. A copy of the APPs may be obtained from the website of the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

3. What is Personal Information?

Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not and whether the information or opinion is recorded in a material form or not. Common examples include your name, address, email address, phone number, date of birth, and financial details.

4. How We Collect Personal Information

We collect personal information in a variety of ways, including:

  • Directly from you when you complete application forms, enquiry forms, or other documents
  • When you contact us by phone, email, or through our website
  • Through our website when you submit a contact or enquiry form
  • From third parties such as credit reporting bodies, lenders, referral partners, and other service providers
  • From publicly available sources
  • Through cookies and analytics tools when you visit our website

Where it is reasonable and practical to do so, we will collect your personal information directly from you. If we receive information about you from a third party, we will take reasonable steps to ensure you are made aware of the information collected and the purposes for which it is used.

5. Why We Collect and How We Use Personal Information

We collect and use your personal information for the following purposes:

  • To provide finance broking and lending services to you
  • To assess your eligibility for finance products and services
  • To submit loan applications to lenders on your behalf
  • To communicate with you about your enquiry, application, or existing services
  • To comply with our legal and regulatory obligations, including those under the National Consumer Credit Protection Act 2009 (Cth)
  • To manage our business operations, including record-keeping and reporting
  • To improve our services and customer experience
  • To send you marketing communications (where you have consented or we are otherwise permitted to do so)

6. Sensitive Information

Sensitive information includes information about your racial or ethnic origin, political opinions, religious beliefs, membership of a professional or trade association, sexual orientation, criminal record, health information, and biometric data.

We will not collect sensitive information about you unless you consent to the collection and the information is reasonably necessary for one or more of our functions or activities, or we are required or authorised by law to do so. In limited circumstances, we may collect health or other sensitive information where it is relevant to assessing your finance application (for example, if you are applying for a loan that requires health-related insurance).

7. Direct Marketing

We may use your personal information to send you information about products and services that we believe may be of interest to you. This may include communications from us about our own services, as well as information about services offered by our parent company, FRM Consulting Group (Aust) Pty Ltd, and its other subsidiaries.

You may opt out of receiving marketing communications from us at any time by contacting us using the details provided at the end of this policy, or by using the unsubscribe facility in our electronic communications.

8. Cookies and Website Tracking

Our website may use cookies and similar tracking technologies to enhance your browsing experience and to collect information about how you use our website. Cookies are small data files stored on your device by your web browser.

We may use the following types of cookies and tracking tools:

  • Essential cookies: required for the website to function properly
  • Analytics cookies: to understand how visitors interact with our website (e.g., Google Analytics)
  • Marketing cookies: to deliver relevant advertising and measure campaign effectiveness

You can manage your cookie preferences through your browser settings. Please note that disabling cookies may affect the functionality of our website.

9. Disclosure of Personal Information

We may disclose your personal information to third parties where it is necessary for the purposes described in this policy or where we are required or authorised by law to do so. These third parties may include:

  • Our parent company, FRM Consulting Group (Aust) Pty Ltd (ACN 630 110 682), and its other subsidiaries, for administrative, operational, and service delivery purposes
  • Lenders and financial institutions to whom we submit loan applications on your behalf
  • Credit reporting bodies
  • Mortgage and loan insurers
  • Valuers and property service providers
  • Professional advisers, including lawyers, accountants, and auditors
  • Government and regulatory authorities, as required or authorised by law
  • IT and technology service providers who assist us in operating our business
  • Referral partners and other third parties involved in providing services to you

We take reasonable steps to ensure that any third parties to whom we disclose your personal information are bound by confidentiality and privacy obligations in relation to the protection of your personal information.

10. Overseas Disclosure

We may disclose your personal information to overseas recipients in limited circumstances, for example where we use cloud-based services or IT platforms that store data on servers located outside of Australia. Where we do so, we will take reasonable steps to ensure that the overseas recipient handles your personal information in accordance with the APPs, or that the recipient is subject to a law or binding scheme that is at least substantially similar to the APPs.

11. Security of Personal Information

We take reasonable steps to protect the personal information we hold from misuse, interference, loss, unauthorised access, modification, and disclosure. These measures include:

  • Secure storage of physical documents in locked facilities
  • Password protection, encryption, and access controls for electronic data
  • Regular review and updating of our security practices
  • Staff training on privacy and data security obligations

When we no longer need your personal information for any purpose for which it may be used or disclosed, and we are not required by law to retain it, we will take reasonable steps to destroy or permanently de-identify the information.

12. Access to and Correction of Personal Information

You have the right to request access to the personal information we hold about you. You also have the right to request that we correct any personal information that is inaccurate, out-of-date, incomplete, irrelevant, or misleading.

To request access to or correction of your personal information, please contact us using the details provided at the end of this policy. We will respond to your request within a reasonable timeframe. In some circumstances, we may refuse access or correction in accordance with the APPs, in which case we will provide you with written reasons for the refusal.

13. Complaints

If you believe that we have breached your privacy or the APPs, you may lodge a complaint with us by contacting us using the details provided below. We will investigate your complaint and respond to you within 30 days.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

14. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. Any changes will be posted on our website. We encourage you to review this policy periodically to stay informed about how we are protecting your personal information.

15. Contact Us

If you have any questions about this Privacy Policy, wish to make a complaint, or would like to request access to or correction of your personal information, please contact us:

  • Entity: Specialised Finance Australia Pty Ltd (ACN 665 219 876)
  • Email: [email protected]
  • Phone: 0476 155 296
  • Address: Suite 22 Level 1, 21 South Coolum Rd, Coolum Beach QLD 4573