Privacy Policy

Effective date: 2026

1. Introduction

Brokr Bettr Capital Pty Ltd (ACN 696 638 043, ABN 34 696 638 043), trading as Brokr Bettr (“Brokr Bettr”, “we”, “us” or “our”), understands how important it is to protect your personal information. This Privacy Policy explains how we collect, hold, use and disclose your personal information, and how you can access it, correct it, or complain about how we have handled it.

Brokr Bettr operates as a credit representative under an Australian Credit Licence.

We are bound by the Privacy Act 1988 (Cth), the Australian Privacy Principles, and, in relation to credit information, Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code. This Policy also serves as our Privacy Collection Statement.

By providing your personal information to us, you consent to us handling it in accordance with this Policy. We may update this Policy from time to time and will publish any changes on our website. We encourage you to check this page periodically.

2. The information we collect

Personal information means information or an opinion about you from which your identity is apparent or can reasonably be ascertained. The personal information we hold may include your name, date of birth, current and previous addresses, telephone number, email address, occupation and employer, identity document details such as your driver licence or passport, bank account details, income, expenses, assets and liabilities, and details of the products and services you have enquired about or obtained through us.

Credit information is a sub-set of personal information used to assess your eligibility for finance. It may include information about credit you have applied for or currently hold, your repayment history, defaults, and information a credit reporting body derives from that information about your credit worthiness.

Sensitive information includes information about your health, racial or ethnic origin, or membership of a professional or trade association. We will only collect sensitive information about you with your consent, and only where it is reasonably necessary for our functions, for example where a health condition is relevant to a hardship application.

You may also give us personal information about other people, such as joint applicants, co-borrowers, guarantors, your accountant, solicitor or conveyancer. If you do, we rely on you to tell them that you have given us their information, to make sure they agree to it, and to make them aware of this Policy.

3. How we collect your personal information

• Directly from you, by phone, email, in meetings, through our online forms, or through the online tools we use to collect your application information and documents.

• From your joint applicants, co-borrowers or guarantors.

• From your representatives, such as your accountant, solicitor, conveyancer or buyer’s agent.

• From referral partners who refer you to us.

• From credit reporting bodies, lenders and other credit providers, where you have consented.

• From publicly available sources and third-party service providers, such as property data providers.

• Automatically when you visit our website.

4. Information we collect automatically from our website

When you visit our website, our systems may record your IP address, the type of device and browser you are using, the date and time of your visit, the pages you viewed, and how you arrived at our website. We use this information to report statistics, analyse trends, diagnose problems, and improve our website and our services.

5. Why we collect your personal information and how we use it

• To assess your eligibility and suitability for finance, and to comply with our responsible lending and best interests obligations.

• To prepare, submit and manage your application, and to communicate with lenders on your behalf.

• To verify your identity and to meet our obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.

• To provide ongoing service after settlement, including loan reviews.

• To respond to your enquiries and to handle any complaint you make.

• To administer our business, including our internal record keeping, planning, product development and analysis.

• To tell a referral partner the general progress or outcome of your loan, including for commission purposes.

• To send you information about our services that may be of interest to you, unless you tell us not to.

• To comply with our legal and regulatory obligations.

If you do not provide the personal information we ask for, we may not be able to assess your application, find you a suitable loan, verify your identity, or provide you with our services.

6. Credit reporting bodies

Where you consent, we may obtain a credit report about you from a credit reporting body in order to assess your application. We may also disclose information about you to a credit reporting body, including your identification details, the fact that you have applied for credit and the amount, and information about any default or serious credit infringement.

Each credit reporting body has a policy explaining how it manages your credit information. You have the right to ask a credit reporting body not to use your information for direct marketing pre-screening. If you believe you have been, or are likely to be, a victim of fraud, you may ask a credit reporting body not to use or disclose your credit information for a ban period.

You can obtain the contact details and privacy policy of any credit reporting body we deal with by contacting us.

7. Who we disclose your personal information to

• Lenders and credit providers on our panel, and their assessors, insurers and service providers.

• Our aggregator, and the holder of the Australian Credit Licence under which we operate.

• Credit reporting bodies.

• Lenders mortgage insurers and title insurers, where relevant to your loan.

• Our employees, contractors, brokers and support staff, so that they can perform their role in providing our services to you.

• Our related bodies corporate.

• Our third-party service providers and suppliers, including our technology, document collection, property data, identity verification, email and cloud storage providers.

• Your representatives, such as your solicitor, conveyancer, accountant or financial adviser.

• Referral partners, in relation to the general progress or outcome of your loan.

• Our professional advisers, including our lawyers, accountants and auditors.

• Any person to whom you have authorised us to disclose your information.

• Government agencies, regulators, courts and law enforcement, where required, authorised or permitted by law.

• Any party to whom our business or assets are transferred, or who is considering acquiring an interest in them.

Where we disclose your personal information to a third party, we take reasonable steps to satisfy ourselves that they are committed to protecting it, and we disclose only the information they need in order to perform their function.

8. Disclosure of your information overseas

To provide our services to you, we may disclose your personal information to recipients located outside Australia, and your personal information may be stored on servers located outside Australia. We take reasonable steps to ensure that overseas recipients handle your personal information in a manner consistent with the Australian Privacy Principles.

Overseas recipients may be required to disclose information we share with them under a foreign law. In those circumstances, we will not be responsible for that disclosure.

We will only disclose credit information to a credit reporting body that has a business operation in Australia.

9. Technology and artificial intelligence

We use technology, including artificial intelligence, to support our work. It is used to reduce administration and to help our brokers spend more time with clients. It does not replace them.

A person always reviews and approves anything that is provided to you. Artificial intelligence is not used to make credit decisions, to give you credit advice, or to recommend a loan or a lender to you. Those remain decisions made by a person.

We do not use artificial intelligence to make automated decisions that produce legal or similarly significant effects for individuals.

10. Direct marketing

From time to time we may use your personal information to send you information about our services, market updates and offers that may be of interest to you. We will not use your sensitive information for direct marketing without your consent, and we will not use or disclose your credit eligibility information for direct marketing.

You can opt out of receiving marketing communications from us at any time, by using the unsubscribe link in any email we send you, by replying to any SMS with the word STOP, or by contacting us using the details below. We will action your request as soon as practicable and at no cost to you.

11. Cookies and website analytics

A cookie is a small text file placed on your device by a website. We use cookies and similar technologies on our website to keep it working properly, to remember your preferences, and to understand how our website is used so that we can improve it. We may also use third-party analytics and advertising services which set their own cookies and are governed by their own privacy policies.

Most browsers accept cookies by default. You can configure your browser to refuse cookies or to delete existing cookies. If you do, some parts of our website may not work properly.

12. How we store and protect your personal information

We take reasonable steps to protect your personal information from misuse, interference and loss, and from unauthorised access, modification or disclosure. Those steps include confidentiality obligations on our staff and contractors, access controls and multi-factor authentication on our systems, restricting access to those who need it to do their job, encryption, secure cloud storage, and regular review of our security practices.

We may store your information in cloud or other networked electronic storage. Because such storage can be accessed from anywhere with an internet connection, it is not always practicable to know in which country your information is held at a given time.

No method of transmitting or storing information is completely secure, and the use of email and the internet is never entirely without risk, even with these safeguards in place.

We retain your personal information for as long as we are required to by law, and for as long as it is needed for the purposes described in this Policy. Where we no longer need it and are permitted to do so, we take reasonable steps to destroy it or to de-identify it.

13. Accessing and correcting your personal information

You may ask us at any time for access to the personal information we hold about you. We will respond to your request within 30 days. We may need to verify your identity first, and we may charge a reasonable fee to cover the cost of retrieving and providing the information. In some circumstances we may not be able to give you access, for example where the information relates to anticipated legal proceedings or where your request is frivolous or vexatious. If we refuse, we will tell you why in writing.

If you believe the information we hold about you is inaccurate, out of date, incomplete, irrelevant or misleading, you may ask us to correct it. We will respond within 30 days. If we do not agree that a correction is required, we will tell you why, and you may ask us to attach a statement to the information noting that you disagree with it.

14. Complaints

If you are concerned about how we have handled your personal information, please contact us first using the details below. We will acknowledge your complaint promptly, look into it, and give you a written response within 30 days.

Please email the Brokr Bettr team at privacy@brokrbettr.com.au for more information or enquiries.

If you are not satisfied with our response, you may refer your complaint to the Australian Financial Complaints Authority, our external dispute resolution scheme. AFCA can consider certain privacy complaints relating to the provision of credit or to credit reporting information. Time limits apply, so you should act promptly.