Privacy Policy (Draft)

1. Introduction
Ultimate Finance ("we", "us", or "our") is committed to safeguarding your privacy. This Privacy Policy outlines how we collect, use, store, and disclose personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

2. What Personal Information We Collect
We may collect personal information necessary for providing financial services, including:

  • Identity and contact details (e.g. name, date of birth, address, email, phone).

  • Financial and credit-related information (e.g. income, assets, liabilities, repayment history, credit reporting data).

  • Tax-related information (e.g. Tax File Number, tax residency status).

  • Application-specific data (e.g. employment details, dependants)

3. How We Collect It
We receive this information through:

  • Direct interactions (e.g. application forms, emails, calls).

  • Third parties (e.g. credit reporting agencies, lenders, identity verification services).

4. Purpose of Collection
Your personal information is used to:

  • Assess and manage your application for finance.

  • Communicate with you and process payments.

  • Manage risk and comply with legal obligations.

  • Conduct direct marketing (with your consent)

5. Disclosure to Third Parties
We may disclose personal information to:

  • Lenders, insurers, third-party service providers, professional advisers (e.g. brokers, accountants, lawyers).

  • Credit reporting bodies.

  • Regulators or courts, where required by law.

6. Overseas Disclosure
Some third-party providers may be located overseas. We ensure reasonable steps are taken to protect your personal information in such cases.

7. Data Security and Retention
We retain your personal information only as long as necessary, and it’s protected with reasonable security measures. As reforms of the Privacy Act evolve, we’ll periodically review and update our security and retention practices.

8. Access and Correction
You may request access to or correction of your personal data. We will process such requests in accordance with the APPs.

9. Data Breach Notification
In the event of an eligible data breach, we’ll comply with the Notifiable Data Breaches scheme under the Privacy Act (i.e. notify the OAIC and affected individuals).Wikipedia

10. Changes to This Policy
We may update this policy from time to time to comply with applicable laws or business practices. We encourage you to review this policy regularly.

11. Contact Us
For questions or to make a request regarding your personal information, please contact us at:

Disclaimer (Draft)

1. General Information Only
Content on UltimateFinance.au is for general informational purposes only. It does not constitute financial advice.

2. No Professional Advice
All information provided—including mortgage types, interest rates, and application guidance—is not bespoke financial advice. We recommend seeking licensed financial or legal advice tailored to your circumstances.

3. Accuracy and Timeliness
Although we aim for accuracy, we cannot guarantee information is complete, current, or error-free. Financial products and regulations change frequently, and you should verify details before making decisions.

4. Third-Party Links
Our site may include links to third-party websites. We do not take responsibility for their content or privacy practices.

5. Financial Risks
Obtaining finance involves risk. You’re responsible for understanding terms, obligations, and whether a financing solution suits your situation.

6. Liability Limitation
To the fullest extent permitted by law, Ultimate Finance, its directors, staff, and affiliates disclaim all liability for any loss or damage resulting from using the information provided.

7. Changes to the Disclaimer
This disclaimer may change without notice. Please review it regularly.