Privacy Policy

Chess Lending (“Chess Lending”, “we”, “us” or “our”) respects your privacy and is committed to handling personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy explains how we collect, hold, use and disclose personal information through our website at https://chesslending.com.au, through our communications with you, and in the course of providing mortgage broking and related finance services.

Chess Lending helps clients explore and arrange loan solutions, including assistance for first home buyers, next home buyers, refinancing and investment-related lending. This Privacy Policy is intended to cover the personal information we handle as part of those services. If you proceed with a loan enquiry or application, we may also provide you with additional privacy, consent or credit disclosure documents that apply to that process.

1. What Personal Information We Collect

The personal information we collect depends on how you interact with us and the services you request. We may collect and hold personal information such as:

• your name
• your phone number, email address and residential or postal address
• your date of birth and identification details you provide to us
• details about your enquiry, borrowing needs, loan objectives and financial goals
• information about your employment, income, expenses, assets, liabilities and general financial position
• details relating to a property, purchase, refinance or investment enquiry
• documents and supporting information you provide to us
• records of communications with us, including calls, emails, messages and form submissions
• information about services you have enquired about or received through us
• website usage information such as IP address, browser type, device information, pages viewed and general session activity
• marketing preferences, feedback and other information you choose to provide to us

2. How We Collect Personal Information

We generally collect personal information directly from you when you:

• submit an enquiry through our website
• contact us by phone, email or online
• book a consultation or request that we contact you
• provide documents or information for a loan enquiry or application
• speak with us throughout the finance process
• interact with our website, emails, social media or digital marketing

Where reasonably necessary and permitted, we may also collect information from third parties such as lenders, credit providers, referrers, your accountant, solicitor, conveyancer, real estate agent or other parties involved in your finance matter.

If you provide us with personal information about another person, you confirm that you are authorised to do so and that the person understands their information is being provided to us.

3. Why We Collect, Hold, Use and Disclose Personal Information

We may collect, hold, use and disclose your personal information for purposes including:

• responding to your enquiry and communicating with you
• understanding your financial goals, circumstances and borrowing requirements
• assessing how we may be able to assist you
• researching, comparing and discussing loan options with you
• preparing, submitting, managing and supporting finance applications and related enquiries
• liaising with lenders and other relevant parties on your behalf
• maintaining business records and managing our internal operations
• improving our website, services and customer experience
• sending service updates, useful information, marketing communications or promotions where permitted by law
• meeting legal, regulatory and compliance obligations

4. Who We May Disclose Personal Information To

Depending on the services you request, we may disclose your personal information to:

• lenders, credit providers and product issuers
• service providers that support our mortgage broking and finance services
• referrers or introducers where relevant to your enquiry
• your solicitor, conveyancer, accountant, real estate agent or other professional advisers involved in your matter
• our IT, website hosting, software, CRM, analytics, communication and administration providers
• our contractors, advisers and professional service providers where reasonably necessary
• courts, regulators, government bodies, dispute resolution bodies or law enforcement agencies where required or authorised by law
• entities involved in a restructure, sale or transfer of all or part of our business

We do not sell your personal information.

5. Credit-Related Information

If you ask us to assist with a loan or finance application, we may collect and handle information relevant to that process, including financial and supporting information you provide to us.

Where required for the services you request, we may disclose relevant information to lenders, credit providers and other parties involved in assessing, processing or supporting your enquiry or application.

6. Overseas Disclosure

Some of our technology, cloud, communication, storage or software providers may store or process personal information outside Australia.

Where this occurs, we take reasonable steps to ensure your information is handled appropriately in accordance with applicable privacy requirements.

7. Cookies, Analytics and Website Tracking

Our website may use cookies and similar technologies to help the website function, understand how visitors use the site, improve performance and support our marketing activities.

These technologies may collect information such as your IP address, browser type, device information, pages viewed, time spent on pages, referral source and general interaction data.

You can manage cookies through your browser settings. If you disable cookies, some parts of the website may not function as intended.

8. Direct Marketing

We may send you marketing or promotional communications about our services where permitted by law. You can opt out at any time by using the unsubscribe option in the communication or by contacting us directly.

9. How We Store and Protect Personal Information

We may hold personal information in electronic systems, cloud-based platforms, emails, documents, notes and other business records used to provide our services.

We take reasonable steps to protect personal information from misuse, interference, loss, and unauthorised access, modification or disclosure. These steps may include physical, technical and administrative safeguards.

While we take reasonable precautions, no method of transmission over the internet or electronic storage is completely secure.

10. Access and Correction

You may request access to the personal information we hold about you, and you may ask us to correct information that is inaccurate, incomplete or out of date.

To make a request, please contact us using the details below. We may need to verify your identity before processing your request. In some circumstances permitted by law, we may refuse a request, but if we do, we will explain why.

11. Complaints

If you believe we have mishandled your personal information or breached the Australian Privacy Principles, please contact us in writing using the details below.

We will investigate your complaint and respond within a reasonable time.

If you are not satisfied with our response, you may be able to lodge a complaint with the Office of the Australian Information Commissioner (OAIC). If your complaint relates to our credit assistance services, you may also have rights to raise the matter through the relevant external dispute resolution process that applies to Chess Lending.

12. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. You should review their privacy policies before providing your personal information to them.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The most current version will be published on this page.

14. Contact Us

Chess Lending

Email:
info@chesslending.com.au
Phone:
1300 080 319