Privacy & Credit Reporting Policy

October 2026  

Our Privacy Policy is designed to provide you with general information about how we collect, store, use and disclose your personal information.  

YourMortgage.com.au is operated by Savings.com.au Pty Ltd. 

In this Privacy Policy, we, our, us or YourMortgage.com.au means Savings.com.au Pty Ltd (ACN 161 358 363) and its related entities in the InfoChoice Group. The InfoChoice Group is associated with the Firstmac Group. The Firstmac Group offers a range of financial products and services across Australia.  

We may collect, use and disclose your personal information in accordance with the Privacy Act 1988 and all other relevant laws (Privacy Laws) and this Privacy Policy. If requested, we may provide you with further information about privacy in the form of a Privacy Statement or other form of privacy disclosure (Privacy Statement). 

The Privacy Statement will give you specific information about how we will handle the personal information you have given to us. We may also seek your specific consent in relation to the collection, use or disclosure of your personal information 

What do we mean by 'personal information'? 

The types of personal information we collect will depend on your relationship with us, such as whether you are a customer, participating provider, contractor, supplier, stakeholder, job applicant or in some other capacity. 

For example, if you request a quote for a product offered by our participating providers, we may collect your name, address, email address, telephone number, date of birth and any other information required to provide you with the quote. If you deal with us in some other capacity (for example, as a participating provider, a supplier or a stakeholder), we may collect your name, contact details and any other information you choose to provide to us. 

Any personal information that you provide via our website (for example, for comparison purposes, to obtain a quote) is collected and stored by YourMortgage.com.au. 

Sensitive information is a subcategory of personal information. Sensitive information includes health information and information about a person's race, ethnic origin, political opinions, membership of political, professional or trade associations, religious or philosophical beliefs, sexual preferences and criminal history. 

To provide some of our services, we may be required to collect and hold your sensitive information. We will only collect sensitive information about you with your consent (unless we are otherwise allowed or required by law to collect that information). 

Why do we collect and use your personal information? 

We may collect your personal information for a variety of reasons, including to: 

• provide services and products to our customers; 

• ensure we comply with the requirements of our participating providers; 

• maintain and improve our customer service; 

• meet our regulatory and legal obligations; 

• manage and resolve any legal or commercial complaints and issues; 

• consider job applicants for current and future employment; 

• manage our relationships with our participating providers, suppliers and stakeholders; 

• carry out internal functions, including training; and 

• conduct marketing research and analysis. 

We may also use your information for other purposes required or authorised under Australian law, including purposes for which you have provided your consent. That consent may be written, verbal or implied from your conduct.  

How do we collect your personal information? 

We collect personal information from you where it is necessary for our business functions and activities. For example, we may collect personal information directly from you (or from your authorised representative) when: 

• you enquire about or seek a quotation for a product offered by our participating providers; 

• you apply for or purchase a product offered by a YourMortgage.com.au business and/or our participating providers; 

• you contact us by telephone, mail, email or online; 

• you visit our website (including when you request a quote or to be contacted by us); 

• you fill in and submit a form on our website; 

• we supply any other products or services to you; or 

• you enter into any trade promotions, competitions or other offers with us or our partners. 

Do we collect your personal information from third parties? 

Sometimes we may collect your personal information from other sources where necessary for our business functions or activities.  

If you provide your personal information to a third party via YourMortgage.com.au (for example, to purchase products or services on a third-party website which is linked to YourMortgage.com.au), that information is collected and managed by those third parties. You should familiarise yourself with their privacy policies prior to deciding whether you wish to provide them with your information.  

In what circumstances might we disclose your personal information? 

In the course of conducting our business and providing our products and services to you, we may disclose your personal information to: 

• if you are a customer, our participating providers (before deciding if you want to provide your personal information to any of our participating providers directly or via our website links, you should read their privacy policy); 

• a broker who, as a result of our referral, may contact you to discuss their products; 

• professional advisers (such as lawyers or auditors); 

• our contracted service providers, including: 

• information technology service providers; 

• payment systems operators and financial institutions; 

• organisations authorised by YourMortgage.com.au to conduct sales, promotional, research or marketing activities; 

• law enforcement agencies or government authorities; and 

• any persons acting on your behalf including those persons nominated by you, executors, trustees and legal representatives. 

We may disclose your personal information to third parties for other purposes required or authorised by or under law, including purposes for which you have provided your consent. That consent may be written, verbal or implied from your conduct.  

Some of the parties with which we exchange your personal information, including our service providers and other third parties listed above, may be located outside Australia in countries including the Philippines, the US, the EU and the UK.  

How safe and secure is the information we hold about you? 

We take great care with the information we hold about you. Our aim is to ensure that any details are securely protected from misuse, loss, unauthorised access, modification or disclosure. We use various systems and services including technical and organisational measures to safeguard your personal information we store. This includes in storage and when we transfer or share it, such as across borders.  

We maintain industry standard technology and procedures in respect to our information management and provision of online services, encryption techniques, virus protection and fire wall settings. If you make a transaction involving the submission of personal information over the internet to us using one of our online forms, then we employ encryption technology to ensure the security of that personal information transmission. User identifiers, passwords or other access codes may also be used to control access to your personal information. Once we have received your personal information, it is stored and protected by a range of security controls, including firewalls, user identification requirements and audit trails. 

How do we keep your personal information accurate and up to date? 

It is important that the information we hold is accurate and up to date. In this, we ask that you contact us whenever there are any changes to your personal details, so that we can update our records. 

How do you access and correct your personal information? 

You may wish to contact us to access your personal information, to seek to correct it, delete it, to make a complaint about privacy or to manage your communication preferences.  

If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information at the time of the request, otherwise we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days. We may consult with other entities as part of our investigation. If we refuse to correct your personal information, we will provide a written notice including our reasons for our decision.  

Direct marketing 

If you are a customer or a potential customer, we may contact you with information about products and services offered by YourMortgage.com.au, as well as our business partners, which we think may be of interest to you. When we contact you it may be by mail, telephone, email, SMS or social media. Your consent to receive direct marketing communications in the above ways will be deemed to have been given if you do not opt out of receiving direct marketing communications from us, and will remain current for an indefinite period of time unless and until you advise us otherwise. You can opt out of receiving direct marketing at any time (see below). 

How can you opt out of receiving direct marketing? 

If you wish to unsubscribe from future marketing or promotional material, please click the “Unsubscribe” link at the bottom of the marketing email you will have received. On completing the unsubscribe process an onscreen confirmation message will appear. 

What are 'cookies' and how do they work? 

Cookies are pieces of information that a website transfers to your computer for record-keeping purposes.  

We use cookie technology on our website to record the preferences of users and provide information and services to website visitors. We may collect and use the information to improve and customise your experience on our website. Cookies are also used to make navigation easier and optimise the design of our websites, increasing its user-friendliness. We do not use cookies to capture or track any personal information and do not use them to identify you as an individual. Personal data can only be saved in cookies if you have given your consent or if it is essential for technical reasons, e.g. to enable a secure login. 

We may utilise third-party cookies on our website. When you visit any of our online resources, our system may collect certain information about your visit for statistical purposes, and to maintain our server and improve our services, including: 

• server address; 

• top level domain name (for example .com, .gov, .au, etc.); 

• the date and time of your visit to the site; 

• the pages you accessed and documents downloaded during your visit; 

• the previous site you visited; 

• if you've visited our site before; and 

• the type of browser used. 

YourMortgage.com.au uses tools to measure and analyse internet usage across our websites, including tracking the number of unique browsers to our websites. We may also use third party tags to provide us with aggregated knowledge and information on website behaviour and user preferences, including retargeting tags and analytics tags.  

Most web browsers accept cookies by default. You can configure your web browser to reject and block cookies. If you decide to delete or block certain cookies, your experience on our website may be limited. Information regarding opting out of interest-based advertising is available at https://optout.networkadvertising.org/?c=1. 

Links to third party sites 

Whilst links to third party websites are provided on our website, we are not responsible for the content or practices of these third party websites. 

These links are provided for your convenience and do not represent our endorsement of any linked third party website. We recommend that you check the privacy policies of these third parties prior to providing them with your personal information. 

Privacy Collection Notice 

Savings.com.au Pty Ltd ABN 25 161 358 363 and Australian Credit Licence number 514874 (‘we', ‘us' or ‘our') collects personal information about you in order to provide you with our services either through our website or with one of our partners or broker partners. We may disclose personal information about you to such third parties in connection with that purpose. 

If you have a complaint 

If you have a complaint about the handling, use or disclosure of your personal information, write to our Privacy Officer at the contact address below. We will investigate your complaint and advise you of the outcome as soon as possible. If the matter is not resolved to your satisfaction and you are located in Australia, you can then refer your complaint to the AFCA scheme, which can be contacted by phone on 1800 931 678, by email at info@afca.org.au, or in writing to GPO Box 3, Melbourne VIC 3001, or the Office of the Australian Information Commissioner, who can be contacted at Office of the Australian Information Commissioner, GPO Box 5218, Sydney NSW 2001, website: www.oaic.gov.au. 

More information and Contact Address 

You can request further information about the way we manage the personal information that we hold, or make a complaint, by writing to: 

Privacy Officer 
InfoChoice Group 
GPO Box 7001 
Brisbane QLD 4000 
or email the YourMortgage.com.au Privacy Officer at: privacy@savings.com.au  

Does our Privacy Policy change? 

We review our policies, statements and procedures to keep up to date with changes in the law, technology and market practice. As a result, we may update and change this Privacy Policy from time to time.