Effective Date: 1/11/2025

Blue Wave Financial Services Pty Ltd (“we”, “our”, “us”) is committed to protecting your privacy and handling your personal information in an open and transparent way. This Privacy Policy explains how we collect, use, store, and disclose your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. What Information We Collect

We may collect personal information including, but not limited to:

Full name, date of birth, and contact details (phone number, email address, postal address)
Identification documents (such as driver’s licence or passport, where required)
Financial information (income, expenses, assets, liabilities, credit history)
Employment details
Information about your loan requirements and financial goals
Website usage data (IP address, browser type, pages visited)
Any other information you provide through forms, email, phone, or meetings

2. How We Collect Personal Information

We collect personal information when you:

Use our website or submit online forms
Contact us by phone, email, or in person
Apply for or enquire about a loan or financial service
Provide documents through our secure client portal
Interact with us via social media or marketing campaigns

Where possible, we collect information directly from you. In some cases, we may collect information from third parties such as lenders, credit reporting bodies, or referrers (with your consent or where permitted by law).

3. Why We Collect Your Information

We collect and use your personal information to:

Assess your eligibility for loans and financial products
Provide mortgage broking and related financial services
Communicate with you about your enquiry or application
Submit applications to lenders and service providers
Meet legal, regulatory, and compliance obligations
Improve our website, services, and customer experience
Send information or updates relevant to our services (you may opt out at any time)

4. Disclosure of Personal Information

We may disclose your personal information to:

Banks, lenders, and financial institutions
Aggregators and service providers supporting our business
Credit reporting bodies (where required)
Professional advisers (such as accountants, lawyers, or auditors)
Government agencies or regulators where required by law

We do not sell your personal information to third parties.

5. Data Security

We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure. This includes:

Secure systems and password-protected access
Encrypted document portals
Restricted access to authorised personnel only

When information is no longer required, it is securely destroyed or de-identified in accordance with legal requirements.

6. Access and Correction

You may request access to the personal information we hold about you or request corrections if you believe it is inaccurate, incomplete, or out of date. Requests can be made using the contact details below.

7. Cookies and Website Analytics

Our website may use cookies and analytics tools to improve functionality and user experience. Cookies do not identify you personally and can be managed through your browser settings.

8. Overseas Disclosure

In some cases, service providers or software systems we use may store data overseas. Where this occurs, we take reasonable steps to ensure your information is protected in line with Australian privacy laws.

9. Complaints

If you have a complaint about how we handle your personal information, please contact us first. We will respond promptly and work to resolve your concern.

If you are not satisfied, you may contact the Office of the Australian Information Commissioner (OAIC).