1Who we are
Insta Finance Pty Ltd (Australian Credit Licence 384704) is an Australian mortgage brokerage. We help clients compare home loans, refinancing, investment loans and commercial finance from a panel of lenders. Our contact details are at the end of this policy.
2What personal information we collect
When you submit an enquiry form, call us, or interact with the website, we may collect:
- -Contact details: name, email address and phone number.
- -Loan-related information: income, employment, assets, liabilities, property details, credit history and other details needed to assess your borrowing capacity or lodge a loan application.
- -Technical data: IP address, browser type, device information, pages visited and referral source, collected via cookies and similar technologies.
We only collect sensitive financial information with your consent or where it is reasonably necessary to provide our services.
3How we use your information
We use personal information to:
- -Respond to your enquiry and provide mortgage broking services.
- -Assess your borrowing capacity and recommend suitable loan products.
- -Lodge pre-approvals and loan applications with lenders on your behalf.
- -Comply with legal and regulatory obligations, including those under the National Consumer Credit Protection Act.
- -Improve the website, measure advertising performance and communicate with you about our services.
4Who we share information with
We do not sell personal information. We may share your information with:
- -Lenders and credit providers to obtain quotes, pre-approvals and formal loan approvals.
- -Professional service providers such as valuers, solicitors, insurers and settlement agents involved in your transaction.
- -Technology and marketing service providers that help us host the website, send emails, manage customer enquiries and run online advertising campaigns.
- -Regulators or government bodies where required or authorised by law.
Cookies, analytics and advertising
The website uses cookies and similar technologies to remember your preferences, understand how visitors use the site, and measure the performance of advertising campaigns (including Meta/Facebook advertising). Some cookies are set by third-party services such as analytics and advertising platforms.
You can manage or disable cookies through your browser settings. Blocking cookies may affect some website features.
Data security
We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure. This includes access controls, encrypted transmission and secure storage through our hosting and email service providers. No internet-based service is completely secure, so we cannot guarantee absolute security.
Data retention
We keep personal information for as long as needed to provide our services, comply with legal and regulatory obligations (including record-keeping requirements under the National Consumer Credit Protection Act), and resolve disputes. When information is no longer required, we take reasonable steps to de-identify or securely destroy it.
Your rights
Under the Privacy Act 1988 (Cth), you have the right to:
- -Access the personal information we hold about you.
- -Request correction of inaccurate or out-of-date information.
- -Request deletion of your information where it is no longer needed.
- -Complain if you believe we have mishandled your information.
To make a request, contact us using the details below. We will respond within a reasonable timeframe.
Complaints
If you have a privacy complaint, please contact us first so we can resolve it. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
9Changes to this policy
We may update this privacy policy from time to time to reflect changes in our practices, technology or legal requirements. The updated version will be published on this page with a revised last-updated date.