Privacy Policy & Terms of Use

Effective: 1 June 2026   |   Version 1.0   |   Governing law: New South Wales, Australia / Applies to: refinancemarket.com.au

 Refinance Market Pty Ltd (ABN [TO BE INSERTED]) ("we", "us", "our") is committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This Privacy Policy explains how we collect, use, disclose, and manage your personal information when you use our website at refinancemarket.com.au (the "Site") and related services.

By using our Site or submitting your details, you consent to the collection and use of your information as described in this Privacy Policy.

1. Who We Are

Refinance Market is an Australian lead generation and referral platform focused exclusively on home loan refinancing. We are not a bank, lender, or licensed credit provider. We connect mortgage holders with ACL-licensed mortgage brokers and lenders who can provide credit assistance.

Regulator

We are subject to the Privacy Act 1988 (Cth) and the Australian Privacy Principles. Complaints may be directed to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

2. What Personal Information We Collect

2.1 Information You Provide to Us

When you use our savings calculator or lead capture form, we may collect:

•     Full name (first and last)

•     Email address

•     Mobile phone number

•     State of residence

•     Current lender name

•     Current home loan balance

•     Current interest rate

•     Loan term remaining

•     Property type and ownership status

2.2 Information We Collect Automatically

When you visit our Site, we automatically collect certain technical information, including:

•     IP address and approximate geographic location

•     Browser type and version

•     Device type (desktop, mobile, tablet)

•     Pages visited and time spent on each page

•     Referring URL (the site that brought you to ours)

•     Click and scroll behaviour (via heatmap tools)

2.3 Information From Third Parties

We may receive information about you from advertising platforms (Google, Meta) when you click on our advertisements, and from analytics tools used to measure campaign performance.

3. How We Use Your Information

We collect and use your personal information for the following purposes:

•     To calculate and display your personalised savings estimate

•     To match you with appropriate ACL-licensed mortgage brokers and lenders

•     To contact you about your enquiry by phone, email, or SMS

•     To send you rate alerts, newsletters, or refinancing content (where you have opted in)

•     To improve our website, tools, and services through analytics

•     To comply with our legal obligations under Australian law

•     To detect and prevent fraud or misuse of our platform

We will not use your information for any purpose that is incompatible with the purposes listed above without first obtaining your consent.

4. Disclosure of Your Information

4.1 Sharing With Brokers and Lenders

When you submit your details, we will pass your information to one or more ACL-licensed mortgage brokers or lenders who can assess your eligibility and provide you with refinancing options. These parties are legally required to handle your information in compliance with the Privacy Act 1988 (Cth).

4.2 Service Providers

We use trusted third-party service providers to operate our business, including:

•     CRM and email marketing platforms (e.g. HubSpot, ActiveCampaign)

•     Website hosting and content delivery networks

•     Analytics and tracking tools (e.g. Google Analytics, Meta Pixel)

•     Payment processing providers (if applicable)

These providers are bound by confidentiality obligations and are not permitted to use your information for their own purposes.

4.3 Legal Requirements

We may disclose your information if required to do so by law, court order, regulatory authority, or if we believe such disclosure is necessary to protect the rights, property, or safety of Refinance Market, our users, or the public.

4.4 We Do NOT Sell Your Data

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.

5. Direct Marketing

With your consent, we may send you marketing communications about refinancing offers, rate updates, and relevant financial content. Each marketing communication will include a clear unsubscribe mechanism.

You may opt out of direct marketing at any time by:

•     Clicking 'Unsubscribe' in any email we send you

•     Contacting us at [email protected]

•     Calling us on [PHONE NUMBER TO BE INSERTED]

6. Cookies and Tracking Technologies

Our Site uses cookies, pixel tags, and similar technologies to enhance your experience and measure performance. These include:

Essential Cookies

Required for the Site to function correctly, including your session and form data.

Analytics Cookies

Google Analytics and similar tools that help us understand how visitors use our Site. Data is anonymised where possible.

Advertising Cookies

Meta Pixel, Google Ads tracking, and retargeting cookies that allow us to show you relevant ads and measure campaign effectiveness.

You can control cookies through your browser settings. Note that disabling certain cookies may affect the functionality of our Site.

7. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. These measures include:

•     SSL/TLS encryption for data transmission

•     Secure storage of personal data on Australian or ISO 27001-certified servers

•     Access controls limiting who within our organisation can access your data

•     Regular review of our security practices

No data transmission over the internet is 100% secure. While we take all reasonable precautions, we cannot guarantee the absolute security of your information.

8. Retention of Your Information

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, or as required by law. Lead data is typically retained for 7 years in accordance with Australian financial records requirements. You may request deletion of your data at any time (see Section 9).

9. Your Rights

Under the Australian Privacy Principles, you have the right to:

•     Access the personal information we hold about you

•     Request correction of inaccurate or incomplete information

•     Request deletion of your personal information (subject to legal obligations)

•     Opt out of direct marketing at any time

•     Lodge a complaint with us or with the OAIC

To exercise any of these rights, contact us at [email protected]. We will respond within 30 days.

10. Overseas Disclosure

Some of our third-party service providers may be located or store data outside Australia (e.g. United States, Ireland). Where this occurs, we take reasonable steps to ensure those providers handle your information in a manner consistent with the Australian Privacy Principles.

11. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on our Site with a revised effective date. Your continued use of our Site after any changes constitutes your acceptance of the updated policy.

13. Contact Us

For any privacy-related questions, concerns, or requests, please contact our Privacy Officer:

Company

Refinance Market Pty Ltd

Email

[email protected]

Website

refinancemarket.com.au/privacy

Post

Privacy Officer, Refinance Market Pty Ltd, [Address to be inserted], Australia

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or by calling 1300 363 992.