Legal Privacy Policy

1. Who we are
2. What information we collect
3. How we collect your information
4. Why we collect your information
5. Who we share your information with
6. How we store and protect your information
7. How long we keep your information
8. Cookies and website tracking
9. Your rights and choices
10. Complaints
11. Contact us

The Mortgage Club Network Pty Ltd (ABN 65 697 795 369)’s clients are proudly managed by Hero Finance Pty Ltd, a credit representative (CRN 486452) of Beagle Finance Pty Ltd T/A Loankit (Australian Credit License Number 383640), under the Finsure Finance & Insurance Pty Ltd aggregation group. Our registered address is 34 Church St Ryde NSW 2112.

We are the data controller for personal information collected through our website and member portals.

We collect the following categories of personal information:

We do not collect sensitive information (as defined under the Privacy Act) unless it is directly relevant to your loan application and you have provided your consent.

How we collect your personal information:

• Directly from you — when you register your interest, submit a loan application, create a member portal account, or contact us
• From your referrer — when a current member refers you, we receive your name, phone number, and email address
• From lenders — when your loan settles, we receive confirmation and relevant loan details from your lender
• From third-party verification services — for identity verification purposes as required under anti-money laundering and credit assessment obligations
• Automatically — through cookies and tracking technologies on our website (see section 8)

We use your personal information to:

• Assess and process your home loan refinance application
• Provide you with credit assistance and loan recommendations
• Manage your membership, draw entries, and referral credits
• Conduct and administer the monthly prize draw
• Pay prize winnings to draw winners
• Send you updates about your loan, membership, draw results, and partner discounts
• Comply with our legal obligations under the National Consumer Credit Protection Act, Anti-Money Laundering and Counter-Terrorism Financing Act, and other applicable legislation
• Improve our website, services, and member experience
• Contact you about other products or services we offer (where you have provided consent or where permitted by law)

We will not use your personal information for any purpose that is incompatible with the purposes described above without obtaining your consent.

We may disclose your personal information to:

• Lenders and credit providers — to submit and process your loan application
• Finsure Finance & Insurance Pty Ltd — our aggregator, for compliance, licensing, and loan processing purposes
• Credit reporting bodies — as required for credit assessment (e.g. Equifax, illion)
• Identity verification providers — to verify your identity as required by law
• IT and platform providers — who host our website, member portal, and data systems (all hosted in Australia)
• Partner brands — limited information may be shared with partner brands when you access a partner discount offer (subject to the partner’s own privacy policy)
• Legal and regulatory authorities — where required by law, court order, or regulatory obligation

We do not sell your personal information to third parties. We do not share your information with advertisers for the purpose of direct marketing by third parties without your explicit consent.

All third parties with whom we share personal information are required to handle it in accordance with the Australian Privacy Principles.

All personal information collected and held by The Mortgage Club is stored on servers physically located in Australia. We do not transfer your personal data outside of Australia.

We implement industry-standard security measures to protect your information, including:

• Encrypted data storage and transmission (SSL/TLS)
• Two-factor authentication (2FA) for member portal access
• Role-based access controls for staff
• Regular security reviews and updates
• Secure data backup and disaster recovery procedures

Despite these measures, no data transmission over the internet or electronic storage system is completely secure. If you believe your account has been compromised, please contact us immediately.

We retain your personal information for as long as:

• Your loan is active with The Mortgage Club
• Required by law (e.g. credit records, anti-money laundering obligations typically require 7 years)
• Necessary to resolve any dispute or enforce our terms

When your information is no longer required, we will securely destroy or de-identify it in accordance with our data retention policy.

Our website uses cookies and similar tracking technologies to improve your browsing experience and analyse website usage. Cookies are small text files stored on your device.

Types of cookies we use

• Essential cookies — required for the website and member portal to function (e.g. session authentication, security)
• Analytics cookies — help us understand how visitors use our site (e.g. pages visited, time on site). We use this data in aggregate, not to identify individuals
• Preference cookies — remember your settings and preferences

You can control cookies through your browser settings. Disabling cookies may affect the functionality of the member portal and some website features.

We do not use advertising or tracking cookies for third-party ad targeting.

Under the Australian Privacy Principles, you have the right to:

• Access — request a copy of the personal information we hold about you
• Correction — request that we correct inaccurate or outdated information
• Opt out of marketing — unsubscribe from marketing communications at any time by contacting us or using the unsubscribe link in any email
• Complaint — lodge a complaint if you believe we have mishandled your personal information (see section 10)

To exercise any of these rights, please contact us using the details in section 11. We will respond to all requests within [30] days. In some circumstances, we may be unable to provide access to certain information (for example, where doing so would reveal information about another person or where restricted by law). We will explain any such limitations.

If you have a concern about how we have handled your personal information, please contact us in the first instance so we can try to resolve it directly.

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

• Website: oaic.gov.au
• Phone: 1300 363 992
• Post: GPO Box 5218, Sydney NSW 2001

For complaints related to our credit activities, you may also contact the Australian Financial Complaints Authority (AFCA) at afca.org.au or 1800 931 678.

For any privacy-related questions, access requests, or complaints, please contact our Privacy Officer:

• Email: privacy@themortgageclub.com.au
• Phone: 130022CLUB
• Post: Privacy Officer, The Mortgage Club, 34 Church Street, Ryde NSW 2112

Mortgage Club Network Pty Ltd
ABN 65 697 795 369

Managed by Hero Finance Pty Ltd
ABN 46 611 454 392

Privacy policy last updated 18 August 2026.