Privacy policy

1. Who we are

This policy applies to Oui Finance Pty Ltd (ABN 48 655 648 098) ("Oui Finance", "we", "us" or "our"), an independent mortgage and finance broker based in Subiaco, Western Australia. Oui Finance is a Corporate Credit Representative (number 537796) authorised under Australian Credit Licence number 389328.

2. What information we collect

The information we collect depends on your dealings with us. It may include:

• identity and contact details, such as your name, date of birth, address, email and phone number;
• financial information, such as your income, expenses, assets, liabilities, employment and account details;
• information about the loan or finance you are seeking, and the property or asset involved;
• identification documents required to verify your identity and meet our legal obligations;
• credit information and credit eligibility information (see section 5); and
• information you provide when you use this website, contact us, or submit an enquiry form.

Where you provide us with information about another person, such as a co-applicant or guarantor, you should make sure they are aware of this policy.

3. How we collect it

We usually collect information directly from you, in person, by phone, by email, or through this website and our enquiry forms. Where necessary and permitted by law, we may also collect information from third parties, such as lenders, credit reporting bodies, your accountant or referrers, and publicly available sources.

4. How we use your information

We collect, hold and use your information to:

• assess your needs and provide credit assistance and broking services;
• research, compare and arrange loans and finance with lenders on your behalf;
• verify your identity and meet our legal and regulatory obligations, including responsible lending and anti-money-laundering requirements;
• manage our relationship with you and respond to your enquiries; and
• improve our services and, where permitted, tell you about products or services that may interest you.

5. Credit information

As a finance broker, we handle credit-related information as part of arranging your finance. This may include information from your credit report, details of credit you have applied for or hold, repayment history, and information about your creditworthiness. We collect, use and disclose this information only as permitted by the Privacy Act and the Privacy (Credit Reporting) Code, and primarily to help arrange finance suited to you.

6. Who we disclose it to

We may disclose your information to:

• lenders and credit providers, to research and arrange your finance;
• our aggregator and the software platforms we use to submit and manage applications;
• credit reporting bodies, insurers, valuers, and other parties involved in your application;
• your nominated representatives, such as your accountant, solicitor or conveyancer; and
• service providers who help us operate our business, and government or regulatory bodies where required by law.

We do not sell your personal information.

7. Direct marketing

From time to time we may contact you with information about products, services or offers we think may be relevant. You can opt out at any time by using the unsubscribe link in any message or by contacting us at hello@ouifinance.com.au, and we will stop.

8. Overseas disclosure

Some of the service providers we use may store or process information outside Australia. Where that happens, we take reasonable steps to ensure your information is handled consistently with this policy and the APPs. [To confirm with Oui Finance: the specific countries and providers involved, so they can be listed here.]

9. How we protect your information

We take reasonable steps to protect your information from misuse, loss, and unauthorised access, modification or disclosure, using a combination of physical, electronic and procedural safeguards. When information is no longer needed and we are not required to keep it by law, we take reasonable steps to destroy or de-identify it.

10. Access and correction

You can ask to access the personal information we hold about you, and to correct it if it is inaccurate, out of date or incomplete. Contact us using the details below. We will respond within a reasonable time and may need to verify your identity first. In limited circumstances we may decline access, in which case we will explain why.

11. Cookies and website analytics

This website may use cookies and analytics tools to understand how the site is used and to improve it. You can set your browser to refuse cookies, though some parts of the site may not work as well. Where we use analytics or advertising tools, they may collect information about your visit in line with their own privacy policies. [To confirm with Oui Finance: which analytics and advertising tools are in use, so they can be named here.]

12. Complaints

If you believe we have breached your privacy, please contact us first at hello@ouifinance.com.au so we can look into it. We will acknowledge your complaint and aim to resolve it promptly. If you are not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or 1300 363 992.

13. Changes to this policy

We may update this policy from time to time. The current version will always be available on this page, with the "last updated" date shown at the top.

14. Contact us

For any privacy question or request, contact us at hello@ouifinance.com.au or write to Oui Finance, B2/431 Roberts Road, Subiaco WA 6008.