Privacy Policy

This Privacy Policy explains how Rejoice Mortgage(“I”, “me”, “my”) collects, uses, discloses and protects your personal information, including credit-related information. I am committed to handling your information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs) and the credit reporting provisions of that Act and the Privacy (Credit Reporting) Code.

Who I am

Rejoice Mortgage provides credit assistance as a mortgage and finance broker. I operate under Australian Finance Group (AFG) (Australian Credit Licence / Credit Representative No.: CRN 562757; ABN: 58 680 463 665).

The information I collect

To help you with finance, I may collect:

• Identity and contact details (name, address, phone, email, date of birth);
• Financial information (income, expenses, assets, liabilities, employment);
• Credit information and credit eligibility information (such as information from credit reporting bodies);
• Details about the loan or finance you are seeking and the relevant property or asset;
• Any other information relevant to assessing and arranging your finance.

How I collect it

I collect information directly from you (for example, when you complete an enquiry form, speak with me, or provide documents), and sometimes from third parties such as lenders, credit reporting bodies, your accountant or referrers, where you have authorised this or it is otherwise permitted by law.

Why I collect and use it

I use your information to:

• Assess your needs and objectives and provide credit assistance;
• Compare and arrange loans or finance with lenders on my panel;
• Prepare and lodge applications and manage your application to settlement;
• Comply with my legal and regulatory obligations (including responsible lending and anti-money-laundering requirements);
• Communicate with you and, where you have consented, send you relevant information.

Credit information & credit reporting bodies

With your consent, I and the lenders I work with may obtain your credit information from, and disclose information to, credit reporting bodies. Credit reporting bodies may include this information in reports provided to other credit providers to assess your creditworthiness. You have rights in relation to this information, including the right to request access and correction, and the right to ask a credit reporting body not to use your information for direct marketing or pre-screening.

Who I disclose it to

I may disclose your information to:

• Lenders and credit providers on my panel;
• My licensee/aggregator, Australian Finance Group (AFG), and its systems;
• Credit reporting bodies, valuers, insurers and mortgage managers;
• My service providers (such as IT and customer-relationship systems);
• Anyone you have authorised, or where required or permitted by law.

I do not sell your personal information. I take reasonable steps to ensure any disclosure is consistent with this policy and the law.

How I hold and protect it

I take reasonable steps to protect your information from misuse, interference, loss, and unauthorised access, modification or disclosure. I do not store sensitive financial details in your web browser. Where I no longer need your information and am not required to keep it, I take reasonable steps to destroy or de-identify it.

Access, correction & complaints

You can ask me to access or correct the personal information I hold about you. If you have a concern about how I have handled your information, please contact me first so I can try to resolve it. If you are not satisfied, you may contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au, or the relevant external dispute resolution scheme noted in my Credit Guide.

Contact me

To access or correct your information, make a complaint, or ask a question about this policy, contact me at info@rejoicemortgage.com.au or +61 430 999 545.

This policy may be updated from time to time. Last updated: May 2026.