Our Rights
Privacy Policy
Realtime Finance & Mortgage
Our Privacy Policy
Who We Are
Realtime Finance & Mortgage Pty Ltd (ABN 80 627 748 154) is an Australian mortgage and finance brokerage providing residential, investment, commercial, business and asset finance assistance.
Karis Churchill (Credit Representative Number 544432) is an authorised credit representative of Connective Credit Services Pty Ltd, the holder of Australian Credit Licence 389328.
We also utilise aggregation services provided by Connective Broker Services Pty Ltd (ABN 77 161 731 111), Credit Representative Number 437202.
We are committed to protecting your privacy and handling personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and applicable credit reporting laws.
This Privacy Policy explains how we collect, hold, use, disclose and protect personal information.
It should be read alongside our Credit Guide and Privacy Disclosure Statement and Consent, which provide additional information about our credit assistance services and relevant client authorisations.
Personal Information We Collect
We collect personal information reasonably necessary to respond to enquiries and provide mortgage, credit and finance assistance.
Depending on the services requested, this may include:
Your name, date of birth, address and contact details.
Identity verification documents and identification information.
Employment, income, occupation and financial information.
Assets, liabilities, living expenses, banking information and existing credit commitments.
Property ownership, purchase and security information.
Credit-related information, where collection is authorised.
Company, trust, business and commercial financial information.
Information about guarantors and other parties involved in an application.
Your financial objectives, requirements and circumstances.
Where relevant and permitted by law, we may collect sensitive information, including information about health or personal vulnerabilities, where necessary to assist with your finance requirements.
When you visit our website, we may also collect technical information, including your IP address, browser type, device information, website interactions and information submitted through online forms.
How We Collect Your Information
We generally collect information directly from you when you:
Contact us by telephone, email or through our website.
Request a finance consultation or home loan review.
Complete a finance application.
Provide supporting documents.
Communicate with us during the application process.
Request ongoing assistance with your finance arrangements.
Where authorised or otherwise permitted by law, we may also obtain information from lenders, credit reporting services, accountants, employers, financial advisers, valuers and other relevant third parties.
If you do not provide information reasonably required for your finance enquiry or application, we may be unable to assess your circumstances or provide the requested assistance.
How We Use Your Information
We use personal information to provide our mortgage and finance services, including:
Responding to enquiries and communicating with clients.
Understanding your financial objectives and requirements.
Assessing borrowing capacity and financial circumstances.
Identifying potentially suitable finance options.
Assisting with residential, investment and commercial finance applications.
Arranging business, asset and equipment finance.
Supporting refinancing, construction and guarantor applications.
Verifying information and preparing loan applications.
Communicating with lenders and other relevant service providers.
Meeting legal, regulatory and compliance obligations.
Managing client relationships, complaints and business records.
Protecting our website and systems from fraud, spam and unauthorised activity.
We may also contact you about relevant services where permitted by law. You may opt out of promotional communications at any time.
Credit Reporting and Credit Applications
As part of providing credit assistance, we may need to obtain information relating to your credit history and creditworthiness.
Where the necessary authorisation has been obtained, we may exchange relevant information with consumer or commercial credit reporting services.
These may include:
Equifax
www.equifax.com.au
13 83 32
Experian
www.experian.com.au
1300 783 684
We may use credit information to assist in assessing your financial circumstances and identifying appropriate finance options.
Where you authorise us to submit an application, relevant information may be disclosed to prospective lenders and other parties involved in the finance process.
Lenders may conduct their own credit assessments and handle information under their respective privacy and credit reporting policies.
Submitting a general website enquiry does not, by itself, constitute authorisation for us to obtain your consumer credit report.
Where separate consent is required, we will obtain it through the applicable Privacy Disclosure Statement and Consent or other authorised process.
Who We Share Your Data With
We may disclose personal information where reasonably necessary to provide our services, where authorised by you, or where required or permitted by law.
This may include disclosure to:
Connective Credit Services Pty Ltd, Connective Broker Services Pty Ltd and relevant related entities.
Banks, non-bank lenders and other credit providers.
Credit reporting services, where appropriate consent exists.
Mortgage insurers and other insurance providers.
Accountants, solicitors, conveyancers and property valuers.
Guarantors and other relevant parties, where appropriate.
Identity verification and financial information service providers.
Software, cloud storage, communications and technology providers.
Authorised contractors and administrative support providers.
Website security and spam prevention services.
Government agencies and regulators where required or authorised by law.
We seek to limit disclosures to information reasonably necessary for the relevant purpose.
Overseas Disclosure of Personal Information
Some of our service providers, contractors and technology providers may be located outside Australia or may process personal information overseas.
Our Connective Privacy Disclosure Statement and Consent identifies the Philippines, India and Nepal as likely locations of overseas recipients.
We may engage authorised offshore administrative or processing support to assist with finance applications, document preparation, customer administration and other business activities.
We also use third-party website security and spam detection technology, including ActiveLayer, which may process information in the United States and other locations used by its authorised service providers.
Where overseas handling involves disclosure of personal information, we take reasonable steps to comply with applicable Australian privacy requirements, including considering relevant contractual, confidentiality and security arrangements.
We seek to limit overseas access to information reasonably necessary for the services being performed and apply appropriate safeguards to protect client confidentiality.
You may contact us for further information about our overseas information-handling arrangements.
Artificial Intelligence and Automated Processing
We may use artificial intelligence (AI), machine learning and automated systems to assist with our finance services and business operations.
These tools may assist with:
Extracting information from documents.
Summarising financial and supporting information.
Administrative processing and workflow management.
Comparing information against lender policies.
Identifying potentially relevant finance options.
Detecting spam and suspicious website activity.
Some AI and automated processing tools may be operated by third-party cloud-based service providers.
We take reasonable steps to protect information handled through these services and apply human oversight to our credit assistance activities.
AI-generated information does not replace our professional assessment of your circumstances or a lender’s credit decision.
We will provide any additional disclosures about significant automated decisions where required by applicable privacy legislation.
Website Enquiries and Spam Protection
When you submit an enquiry through our website, we may collect your name, contact details, enquiry message and relevant technical information.
Our website uses ActiveLayer, a third-party spam detection and website security service, to help identify unwanted messages, automated submissions and potentially fraudulent activity.
Information submitted through protected website forms, together with relevant technical and behavioural information, may be processed by ActiveLayer for spam detection and security purposes.
Our ActiveLayer account is configured to retain submission records for 30 days, with automatic deletion of records older than that period through its scheduled cleanup process.
Separate retention arrangements may apply to service logs, backups and other information handled by ActiveLayer and its authorised providers.
Further information about ActiveLayer’s privacy practices is available at:
https://activelayer.com/privacy/
We recommend that you do not upload or submit identity documents, bank statements, tax file numbers, account passwords or other highly confidential information through our general website enquiry form.
Where supporting financial documents are required, we will advise you of an appropriate method for providing them.
Cookies and Website Analytics
Our website may use cookies and similar technologies to support website functionality, security, performance measurement and user experience.
These technologies may help us:
Maintain essential website functionality.
Detect spam and suspicious activity.
Understand website traffic and visitor interactions.
Measure website performance.
Improve website usability.
Third-party analytics or marketing technologies may also be used where enabled on our website.
You can manage cookies through your browser settings. Restricting cookies may affect certain website functions.
Where consent is required for particular tracking technologies, we will seek that consent in accordance with applicable requirements.
How We Protect Your Information
We take reasonable steps to protect personal information against misuse, interference, loss, unauthorised access, modification and disclosure.
Our safeguards may include:
Password-protected business systems.
Appropriate access controls.
Secure document-handling practices.
Website and network security measures.
Confidentiality obligations for authorised personnel.
Management of relevant third-party service providers.
Procedures for responding to privacy and security incidents.
No electronic system can be guaranteed to be completely secure.
If you believe information you have provided to us may have been compromised, please contact us promptly.
How Long We Retain Your Data For
We retain personal information for as long as reasonably necessary to provide our services, manage client relationships and meet applicable legal, regulatory and recordkeeping obligations.
Retention periods vary depending on the type of information and the purpose for which it was collected.
Our ActiveLayer account is configured to retain website submission records for 30 days, subject to the service’s scheduled deletion process.
General website enquiries may be retained where reasonably required for responding to enquiries and maintaining business records.
Credit application documents and client records may be retained for longer periods where required by applicable legislation, Connective’s licensee requirements or other relevant recordkeeping obligations.
Separate retention arrangements may apply to system logs, backups and third-party services.
When information is no longer required and there is no legal obligation to retain it, we take reasonable steps to destroy or de-identify it.
Accessing and Correcting Your Information
You may request access to personal information we hold about you.
You may also request correction where information is inaccurate, incomplete, out of date, irrelevant or misleading.
We may need to verify your identity before providing access or making changes.
We will respond in accordance with applicable privacy laws and explain any refusal where required.
In some circumstances, a reasonable administration fee may apply to providing access to information. We will advise you of any applicable charge before proceeding.
To make a request, contact our Privacy Officer using the details below.
Privacy Complaints and Dispute Resolution
We take privacy concerns seriously and aim to resolve complaints promptly and fairly.
If you believe we have mishandled your personal information, please contact Realtime Finance & Mortgage Pty Ltd using the contact details below.
Where your complaint relates to credit assistance or our activities as a credit representative, you may also contact our Australian Credit Licence holder:
Connective Credit Services Pty Ltd
Attention: Compliance and Complaints Handling Officer
Level 29, 555 Collins Street
Melbourne VIC 3000
Telephone: 1300 656 637
Email: complaints@connective.com.au
Website: www.connective.com.au
If your financial services complaint remains unresolved, you may be entitled to refer it to:
Australian Financial Complaints Authority (AFCA)
Telephone: 1800 931 678
Email: info@afca.org.au
Website: www.afca.org.au
Privacy complaints may also be made to the Office of the Australian Information Commissioner (OAIC), generally after first giving us an opportunity to respond.
Website: www.oaic.gov.au
Contacting Our Privacy Officer
For privacy enquiries, access requests, corrections or complaints, please contact:
Realtime Finance & Mortgage Pty Ltd
ABN 80 627 748 154
Attention: Privacy Officer
Address: 88 Victoria Avenue, Chatswood NSW 2067
Email: karis.churchill@rtfnm.com
Website: www.rtfnm.com
Credit Representative: Karis Churchill
Credit Representative Number: 544432
Australian Credit Licence: 389328, held by Connective Credit Services Pty Ltd.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our services, technology providers, information-handling practices or applicable legal requirements.
The current version will be available on our website.
For further information about our credit assistance services and privacy consents, please refer to our current Credit Guide and Privacy Disclosure Statement and Consent.
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Your Privacy Matters
By submitting this enquiry, you acknowledge that Realtime Finance & Mortgage Pty Ltd will collect and use your information to respond to your enquiry, as explained in our Privacy Policy.
Your information may be shared with Connective Credit Services Pty Ltd and relevant service providers where appropriate. We also use spam protection technology to help secure our website.
Submitting this enquiry does not authorise a credit check.
