Privacy Policy

1. About This Policy

This Privacy Policy explains how Levata Finance Group Pty Ltd ("Levata Finance", "we", "us" or "our") collects, holds, uses and discloses personal information about individuals who interact with us, including clients, prospective clients and website visitors.

By using our website at levatafinance.com.au, submitting an enquiry, or engaging our services, you consent to the collection, use and disclosure of your personal information as described in this policy.

This policy applies to all personal information we hold about you, regardless of how it was provided to us.

2. What Personal Information We Collect

The type of personal information we collect depends on the nature of your interaction with us. We may collect:

Identity and contact information

• Full name, date of birth, residential address
• Phone number and email address
• Proof of identity documents (e.g. passport, driver's licence)

Financial and lending information

• Income, employment status and employer details
• Assets, liabilities and existing debts
• Bank statements, tax returns and payslips
• Credit history and credit file information
• Property details and valuations
• Superannuation and investment information
• Government benefit or pension information

Sensitive information

In some circumstances, we may collect sensitive information such as health information (for example, if relevant to an insurance or income protection enquiry). We will only collect sensitive information where it is reasonably necessary and with your consent.

Website and technical information

• IP address, browser type and device information
• Pages visited and time spent on our website
• Information submitted through enquiry and contact forms
• Cookie data (see Section 10)

3. How We Collect Your Information

We collect personal information in a number of ways, including:

• Directly from you via our website enquiry forms, contact forms, phone calls, emails or in-person meetings
• Through your use of our online booking system
• From third parties such as lenders, aggregators, accountants, solicitors or other advisers you authorise to provide information on your behalf
• From credit reporting bodies, where authorised
• From publicly available sources, where relevant

Where it is lawful and practicable, we will collect information directly from you. We will always tell you why we are collecting it.

4. Why We Collect Your Information

We collect and hold personal information for the following primary purposes:

• To assess your lending requirements and provide credit assistance
• To identify suitable loan products and lenders from our panel
• To prepare, submit and manage loan applications on your behalf
• To communicate with you about your enquiry, application or ongoing lending arrangements
• To meet our obligations under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act) and other applicable laws
• To verify your identity in accordance with anti-money laundering requirements
• To respond to complaints or enquiries
• To improve our services and website
• For marketing and promotional purposes (with your consent or as otherwise permitted by law)

We will not use your personal information for purposes other than those described above unless you have consented or we are required or permitted to do so by law.

5. How We Use and Disclose Your Information

We may disclose your personal information to third parties in the following circumstances:

Lenders and financial institutions

When you apply for a loan through Levata Finance, we will share relevant personal and financial information with lenders on our panel for the purpose of assessing and processing your application.

Our aggregator and licence holder

As a Credit Representative, we operate under the Australian Credit Licence held by National Mortgage Brokers Pty Ltd (ACL 391209). We may share information with our aggregator for compliance, oversight and administrative purposes.

Professional service providers

We may share information with accountants, solicitors, financial advisers, valuers, mortgage insurers or other professionals where necessary to provide our services to you.

Technology and service providers

We use third-party software platforms to manage client relationships, communications and document storage. These providers are contractually required to protect your information and may only use it as directed by us.

Regulatory and legal obligations

We may disclose your information to government bodies, regulators or law enforcement agencies where required or permitted by law, including ASIC, AFCA, AUSTRAC or the ATO.

Marketing

We may use your contact information to send you information about our services, lending updates or educational content. You may opt out of marketing communications at any time by contacting us or clicking the unsubscribe link in any email.

6. Credit Reporting

In providing credit assistance, we may access information from credit reporting bodies (CRBs) such as Equifax, Experian or illion. Credit reporting information may include credit history, repayment history, court judgements and other information relevant to your creditworthiness.

We handle all credit reporting information in accordance with the Privacy Act 1988 (Cth) and the Credit Reporting Privacy Code. You have the right to request access to your credit report and to have inaccurate information corrected.

For more information about your rights in relation to credit reporting, visit oaic.gov.au.

7. Storage and Security of Your Information

We take reasonable steps to protect the personal information we hold from misuse, interference, loss, unauthorised access, modification or disclosure. These steps include:

• Secure, password-protected software systems
• Encrypted data transmission and storage
• Access controls limiting who can view personal information
• Regular security reviews and staff training

Where personal information is no longer required for the purpose for which it was collected and we are not required by law to retain it, we will take reasonable steps to destroy or de-identify it.

While we take all reasonable precautions, no data transmission or storage system can be guaranteed to be 100% secure. If you believe there has been a breach of your information, please contact us immediately.

8. Overseas Disclosure

Some of our third-party service providers (including cloud software platforms) may store or process data on servers located outside Australia. Where this occurs, we take reasonable steps to ensure those providers comply with privacy standards consistent with the Australian Privacy Principles. By using our services, you consent to your information being held in overseas jurisdictions where applicable.

9. Your Rights — Access and Correction

You have the right to:

• Request access to the personal information we hold about you
• Request that inaccurate, outdated or incomplete information be corrected
• Withdraw consent for marketing communications at any time
• Lodge a complaint about how we have handled your personal information

To make an access or correction request, please contact us using the details in Section 12. We will respond to your request within 30 days. In some limited circumstances, we may be unable to provide access — if so, we will explain why.

10. Cookies and Website Tracking

Our website (levatafinance.com.au) uses cookies and similar tracking technologies to improve your experience, understand how the site is used, and support marketing activities. Cookies are small text files stored on your device.

We may use:

• Essential cookies — required for the website to function correctly
• Analytics cookies — to understand how visitors use our website (e.g. Google Analytics)
• Marketing cookies — to support retargeting and advertising (if applicable)

You can control or disable cookies through your browser settings. Please note that disabling some cookies may affect the functionality of our website.

11. Complaints

If you believe we have not handled your personal information in accordance with this policy or the Privacy Act 1988 (Cth), you may lodge a complaint by:

12. Contact Us

13. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology or legal obligations. The current version will always be available at levatafinance.com.au/privacy-policy. We encourage you to review this policy periodically.

Continued use of our website or services after changes are published constitutes your acceptance of the updated policy.

This Privacy Policy was prepared in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles, and the Credit Reporting Privacy Code. It should be reviewed by a qualified legal practitioner before publication. This document does not constitute legal advice.