Privacy Policy

Right Street Property Pty Ltd (referred to in this document as “Right Street Property”, “we”, “us” or “our”) is committed to protecting your privacy and personal information. This policy explains how we collect, handle, use and disclose your personal and credit-related information, and how you may access or correct this information or raise a concern.

We comply with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and, where applicable, the Privacy (Credit Reporting) Code 2014 (Cth).

WHAT KINDS OF PERSONAL INFORMATION DO WE COLLECT?

We collect and hold personal information that is reasonably necessary to provide our services. This may include:

Full name, contact details (email, phone, address)
Date of birth and identity documents
Employment details and income
Financial and credit-related information
Property preferences and goals
Any other personal or sensitive information you provide

If you engage with us in relation to finance services, we may also collect credit information including:

Credit liabilities, repayment history and default information
Credit reports or scores from credit reporting bodies (CRBs)
Court proceedings, insolvency records, or serious credit infringements
Credit eligibility assessments or summaries derived from CRB data

In the course of providing property sourcing or buyer’s advocacy services, we may collect information relating to your:

Budget and purchasing capacity
Preferred locations or property types
Real estate interactions and agency introductions
Investment goals or property strategies

HOW DO WE COLLECT YOUR INFORMATION?

We collect personal information from you directly when you:

Contact us by phone, email, web form or in person
Complete our fact-finding forms or applications
Provide documentation as part of a finance or property brief

We may also collect information from third parties, such as:

Credit reporting bodies (e.g. Equifax, Illion)
Referrers (e.g. accountants, real estate agents)
Mortgage aggregators or lenders
Public sources (e.g. property records, title searches)

We may also use cookies or tracking tools on our website to collect technical data such as IP addresses, pages visited and device information, which helps improve our site functionality.

WHY DO WE COLLECT, HOLD AND USE YOUR INFORMATION?

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

To provide you with mortgage and finance advice
To assess your borrowing capacity and creditworthiness
To assist in preparing or submitting loan or credit applications
To source suitable property opportunities based on your criteria
To liaise with real estate agents or other professionals at your request
To comply with our legal and regulatory obligations
To manage our ongoing relationship with you
To send you updates, education or promotional material (you may opt out at any time)

WHO DO WE DISCLOSE YOUR INFORMATION TO?

We may disclose your personal or credit-related information to:

Lenders, banks, mortgage insurers or aggregators (with your consent)
Credit reporting bodies and verification providers
Real estate agents, buyer’s agents, or other property professionals (where you authorise us to do so)
Professional advisers or referrers acting on your behalf (e.g. accountant, solicitor)
Our internal support team and external service providers (e.g. CRM systems, IT platforms)
Government authorities or regulators (as required by law)

We will not sell your information. We only disclose information necessary to perform our services, and we take steps to ensure all third parties are bound by confidentiality and privacy obligations.

CREDIT REPORTING

If we collect or disclose your credit information, it is handled in accordance with the Privacy (Credit Reporting) Code 2014. We may:

Collect credit reports from credit reporting bodies to assist in assessing your finance application
Use this information to match you with appropriate loan products
Disclose limited information to CRBs if required for application checks

We do not disclose default information or repayment history unless you have authorised us to act as an intermediary with a lender.

If you believe any credit information we hold is inaccurate, you may request correction.

SECURITY AND STORAGE

We store personal information in electronic format using secure systems protected by firewalls and encryption. We take reasonable steps to ensure your information is protected from misuse, interference, loss and unauthorised access or disclosure.

We may store data on secure cloud platforms or third-party systems located in Australia or overseas. These platforms are required to comply with Australian privacy standards.

ACCESSING AND CORRECTING YOUR INFORMATION

You may request access to personal or credit-related information we hold about you. We will take reasonable steps to confirm your identity and provide access unless legally restricted. You may also ask us to correct inaccurate or incomplete information.

Please contact us in writing using the details below.

MARKETING AND COMMUNICATION

We may use your contact details to send you newsletters, updates or marketing communications about our services. You can opt out of these communications at any time by clicking “unsubscribe” or contacting us directly.

MAKING A COMPLAINT

If you have a concern about how we have handled your personal information, please contact us in writing. We will acknowledge your complaint within 7 days and aim to resolve it within 30 days.

If you are not satisfied with our response, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA) or the Office of the Australian Information Commissioner (OAIC).

AFCA
Website: www.afca.org.au
Phone: 1800 931 678
Email: info@afca.org.au

OAIC
Website: www.oaic.gov.au
Phone: 1300 363 992

UPDATES TO THIS POLICY

We may update this Privacy Policy from time to time. The latest version will always be available on our website.

If you have any questions, requests or complaints, please contact:

Right Street Property Pty Ltd
Website: https://www.rightstreetproperty.com.au
Email: info@rightstreetproperty.com.au
Phone: 0481 007 721