Privacy Policy

Effective Date: 01-05-2025

1. Introduction

This Privacy Policy outlines how we collect, use, disclose, and manage your personal and credit-related information. We respect your privacy and are committed to complying with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).

This policy applies to:
RELIABLE BUSINESS STRATEGY TOWER PTY LTD trading as RBST Finance and Lending, a Credit Representative (Credit Representative Number: 567270) of RatesOnline.com.au Pty Ltd (Australian Credit Licence 389963), trading as Freedom Aggregation.

2. What Personal Information We Collect

We may collect the following types of information:
– Name, address, date of birth, contact details
– Employment and financial information
– Loan and credit details
– Credit reports and credit scores from Credit Reporting Bodies (CRBs)
– Identification documents (e.g. driver licence, passport)
– Information from third parties (e.g. your accountant, employer, real estate agent)
– IP address and website usage (if applicable)

3. Why We Collect Your Information

We collect, hold and use your personal information to:
– Assess your credit application
– Submit and manage loan applications on your behalf
– Communicate with lenders, insurers, and other third parties
– Comply with legal and regulatory obligations
– Conduct marketing (with your consent)

4. How We Collect Your Information

We may collect personal information directly from you or from third parties with your consent, including:
– Application forms (online or paper)
– Phone calls, emails or meetings
– Lenders or CRBs (e.g. Equifax, illion, Experian)

5. Disclosure of Your Information

We may disclose your personal information to:
– Lenders, mortgage insurers, and credit reporting bodies
– Our aggregator, Freedom Aggregation
– Our CRM providers, IT service providers and contractors
– Legal and regulatory bodies as required by law (e.g. ASIC)
– Other third parties with your consent

6. Handling of Credit Information

As a credit representative, we may access and handle your credit information to:
– Obtain credit reports to assess your creditworthiness
– Provide this information to lenders
– Comply with responsible lending obligations

We handle this information in accordance with Part IIIA of the Privacy Act 1988 and the Privacy (Credit Reporting) Code 2014.

7. Security of Your Information

We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or disclosure. This includes secure physical and digital storage, password protection, and staff training.

8. Access and Correction

You may request access to the personal information we hold about you, or ask us to correct it if inaccurate. Please contact us using the details below.

9. Privacy Complaints

If you believe we have breached your privacy or mishandled your information, you can contact us to lodge a complaint. We will respond within 30 days. You may also contact the Office of the Australian Information Commissioner (OAIC) if you are not satisfied with our response.

10. Contact Us

RBST Finance and Lending
Email: [email protected]
Phone: +61493103634
Postal: Unit 3, No7 Walter Street Glen Waverley, Vic 3150
Credit Representative of RatesOnline.com.au Pty Ltd (ACL 389963)