Privacy Policy

1. Who we are

In this policy, we, us and our means Softora Pty Ltd trading as Swych Home Loans, ABN 87 684 014 819.

We are a Credit Representative (No. 575448) of Australian Finance Group Ltd (AFG), Australian Credit Licence 389087.

We recognise the importance of protecting your personal information and credit-related information. We handle that information in accordance with applicable privacy and credit reporting laws.

2. What information we collect

The information we collect will depend on the services we provide to you and the type of credit assistance you seek.

We may collect information such as:

• your name, date of birth and contact details;
• your address and identification details;
• employment and occupation details;
• income, expenses, assets, liabilities and savings;
• bank account and transaction information;
• details about the finance you are seeking or currently hold;
• information from application forms, interviews, supporting documents and third parties you authorise us to deal with.

3. How we use your information

We may use your information for purposes including:

• providing credit assistance and related services;
• assessing your eligibility for finance;
• preparing and submitting loan applications;
• communicating with you about your loan or enquiry;
• managing our relationship with you;
• complying with legal, regulatory and compliance obligations;
• verifying your identity;
• improving our systems and service processes.

4. Privacy consent

In the course of providing credit assistance, we may ask you to give privacy consents or authorities that allow us to collect, use and disclose information to relevant parties, including lenders, service providers and our aggregator, where necessary to assist with your finance application or ongoing service needs.

If you do not provide certain information we request, we may not be able to provide the services you ask us to provide.

5. Disclosure of your information

We may disclose your personal information and credit-related information where reasonably necessary to provide our services or where required or permitted by law.

This may include disclosure to:

• AFG as our aggregator and licensee-related support network;
• lenders, banks and other credit providers;
• credit reporting bodies;
• insurers, valuers, solicitors, conveyancers and settlement service providers;
• identity verification providers;
• technology, administration and document service providers;
• any person you authorise us to communicate with on your behalf.

6. Overseas disclosure

Some of the parties we work with, directly or indirectly, may use overseas service providers or support functions. Where personal information or credit-related information is disclosed overseas, we take reasonable steps to ensure appropriate data handling and security arrangements are in place.

7. Credit reporting

We may collect credit-related information from, and disclose credit-related information to, credit reporting bodies and other credit providers where permitted by law and where relevant to your application.

Credit reporting bodies may include organisations such as Equifax, Experian and illion.

You may request access to credit-related information we hold about you and ask us to correct it if you believe it is inaccurate, out of date, incomplete, irrelevant or misleading.

You may also contact the relevant credit reporting body directly in relation to your credit report.

8. Electronic identity verification

We may verify your identity electronically where permitted by law and where this forms part of our onboarding and finance application process.

This may include the use of government or third-party verification systems to confirm details on identity documents you provide, such as a driver licence or passport.

9. Security of your information

We take reasonable steps to protect your personal information and credit-related information from misuse, interference, loss, unauthorised access, modification and disclosure.

These steps may include physical, electronic and procedural safeguards designed to protect the information we hold.

10. Access and correction

You may request access to the personal information we hold about you. You may also ask us to correct information if you believe it is inaccurate, incomplete, out of date, irrelevant or misleading.

To request access or correction, please contact us using the contact details below.

11. Direct marketing

We may send you service-related communications and, where permitted, information about products or services that may be relevant to you.

If you do not want to receive direct marketing from us, you can ask us to stop at any time using the contact details below.

12. Complaints & disputes

If you have a complaint about how we handle your personal information or credit-related information, please contact us first so we can try to resolve it through our internal dispute resolution process.

We will acknowledge and handle complaints within the timeframes required by applicable law.