Privacy Policy

Section 01

Introduction

RateMarket (ABN 71​ 142​ 642​ 396) ('we', 'us', 'our') operates ratemarket.com.au, a lead generation platform connecting Australian borrowers with licensed mortgage and finance brokers. We are committed to protecting the privacy of all individuals whose personal information we collect, use, or disclose, in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By using our website or submitting an enquiry, you consent to the collection and handling of your personal information as described in this Policy.

Section 02

What Personal Information We Collect

We collect personal information necessary to match borrowers with suitable brokers and to operate our platform. This may include:

• Full name and contact details (email address, phone number)
• Financial information, including income, employment status, loan purpose, and borrowing requirements
• Residency and citizenship status
• Property details where relevant to a home loan enquiry
• Vehicle details where relevant to a car loan enquiry
• Business information where relevant to a business loan enquiry
• Technical information such as IP address

Section 03

How We Collect Personal Information

We collect personal information directly from you when you:

• Submit a loan enquiry form on our website
• Contact us by email, phone, or other means
• Interact with our website or digital advertising

We may also collect information from third parties such as referral partners, credit-related bodies, or publicly available sources, where permitted by law.

Section 04

Why We Collect and Use Your Personal Information

We collect and use your personal information to:

• Assess your loan enquiry and match you with appropriate brokers or lenders
• Provide, manage, and improve our lead generation services
• Communicate with you regarding your enquiry and our services
• Comply with our legal and regulatory obligations
• Prevent fraud and protect the integrity of our platform
• Conduct analytics and improve our website and marketing

Section 05

Disclosure of Personal Information

We may disclose your personal information to:

• Licensed mortgage brokers, finance brokers, or lenders who have purchased a lead matching your enquiry
• Our third-party service providers (including technology, hosting, analytics, and marketing providers) who are bound by confidentiality obligations
• Regulatory authorities or law enforcement where required by law

We do not sell your personal information to unrelated third parties for their own marketing purposes. Brokers who receive your details are expected to handle them in accordance with applicable privacy laws.

Section 06

Overseas Disclosure

Some of our service providers may be located overseas, including cloud hosting or software providers. Where we disclose personal information overseas, we take reasonable steps to ensure the recipient handles it consistently with Australian privacy law. By providing your information, you consent to this potential overseas disclosure.

Section 07

Direct Marketing

We may use your contact details to send you information about our services or relevant financial products. You can opt out of marketing communications at any time by contacting us at partners@ratemarket.com.au or using the unsubscribe link in any email we send.

Section 08

Security

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. This includes the use of secure servers, encryption, and access controls. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security.

Section 09

Access and Correction

You have the right to request access to the personal information we hold about you, and to request corrections if it is inaccurate, incomplete, or out of date. To make a request, contact us at partners@ratemarket.com.au. We will respond within a reasonable timeframe (generally 30 days). We may charge a reasonable fee for providing access.

Section 10

Complaints

If you believe we have breached the Australian Privacy Principles, you may lodge a complaint with us at partners@ratemarket.com.au. We will respond within 30 days. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

Section 11

Cookies and Tracking

Our website uses cookies and similar tracking technologies to improve your experience, analyse website traffic, and deliver relevant advertising. You can manage cookie preferences through your browser settings. Disabling cookies may affect the functionality of our website.

Section 12

Updates to this Policy

We may update this Privacy Policy from time to time. The current version will always be available at ratemarket.com.au/privacy. Your continued use of our website after any changes constitutes your acceptance of the updated Policy.

Section 13

Contact Us