Privacy collection notice

What this notice covers

This notice explains how Custom Mortgage Planning handles the personal information you give us through this refinance review, and the information we collect when you contact us or ask us to act for you.

What we collect

We only ask for what we need to prepare and follow up a comparison:

• · The details you enter in the calculator — loan balance, current interest rate and years remaining.
• · Your name, email, mobile number, suburb and anything you choose to write in the notes field.
• · If you ask us to progress an application: your identification, income, employment, assets, liabilities and the details of your existing loan.
• · Basic technical information our hosting provider records when you use the site, such as the pages requested and errors encountered.

Why we collect it

To prepare the comparison you asked for, to contact you about that enquiry, to assess and submit a credit application if you ask us to, and to meet our record-keeping and responsible lending obligations.

We do not sell your information, and we do not use it for marketing unless you separately opt in.

Who we share it with

Your information is only disclosed where it is needed to deliver the service you asked for:

• · Lenders and their agents, where you ask us to progress a credit application.
• · Our aggregator and licensee, National Lending Group Pty Ltd, for compliance and file review.
• · Service providers who host this website, deliver our email and keep our customer records, under confidentiality obligations.
• · Anyone we are required to disclose to by law, or with your consent.

Credit checks

Nothing on this website causes a credit check, a credit score enquiry or an application to a lender. The figures shown are estimates based on the details you typed in. A credit enquiry only happens later, with your knowledge, if you ask us to proceed.

Storage and retention

Your enquiry and any credit file we hold are stored in access-controlled systems available only to authorised staff and our licensee. We keep records of credit assistance for at least seven years after we last act for you, as our licensing obligations require.

Cookies and analytics

This site does not set advertising or tracking cookies and does not share your usage with advertising networks. If that ever changes, we will ask for your consent first.

Access and correction

You can ask us for a copy of the personal information we hold about you, ask us to correct it, or ask us to delete an enquiry that never became an application. Email us and we will respond within a reasonable time. There is no charge for making the request.

Complaints

If you are unhappy with how we have handled your information, contact us first so we can try to resolve it. If we cannot resolve it together, you can ask National Lending Group Pty Ltd to review the matter through their internal dispute resolution process, and if it remains unresolved you can take it to the Australian Financial Complaints Authority (AFCA).