Privacy policy
How Handle Finance, trading as Rate Engine, collects, uses, stores and discloses your personal information. Last updated [date].
Draft for review
[This is a structural draft only. Replace it with the privacy policy approved by Outsource Financial Pty Ltd before this page is published.]
Who we are
Handle Finance, trading as Rate Engine, is Authorised Credit Representative 566998 of Outsource Financial Pty Ltd, Australian Credit Licence 384324. We are bound by the Privacy Act 1988 (Cth), including the Australian Privacy Principles and the credit reporting provisions.
What we collect
- Identification and contact details, such as your name, date of birth, address, phone and email.
- Financial information, such as income, expenses, assets, liabilities and existing loans.
- Employment details and supporting documents.
- Credit information and credit eligibility information, with your consent.
- Details you give us when you book a call, including through our booking tools.
- Website usage information collected through cookies and analytics.
How we collect it
Mostly directly from you, by phone, video call, email, our website and booking forms. With your consent we may also collect information from lenders, credit reporting bodies, your employer, your accountant and identity verification services.
Why we collect it
- To assess your needs and provide credit assistance.
- To compare lenders and prepare and submit loan applications.
- To meet our legal obligations, including responsible lending and identity verification.
- To administer our cashback offer and keep you informed about your loan.
- To send you marketing, which you can opt out of at any time.
Who we disclose it to
Lenders and their service providers, our licensee Outsource Financial Pty Ltd, valuers, lenders mortgage insurers, credit reporting bodies, identity verification providers, our technology providers, and regulators where required by law. [List any overseas recipients and countries, if applicable.]
Storage and security
We store information in secure systems with access controls and take reasonable steps to protect it from misuse, loss and unauthorised access. We destroy or de-identify information when it is no longer needed and we are not required to keep it.
Access and correction
You can ask for access to the personal information we hold about you, or ask us to correct it, by contacting us using the details below.
Complaints
Contact our Privacy Officer at [email] or [phone]. If you are not satisfied with our response, you can contact the Office of the Australian Information Commissioner at www.oaic.gov.au or 1300 363 992.
Contact us
Privacy Officer, Handle Finance trading as Rate Engine, [address], [email], [phone].