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Privacy Policy

Privacy Policy

Effective date: 3 November 2026


At a glance


  • We collect what we need to help you get the right loan, and nothing more.

  • We share it with the lenders and services involved in your loan, and with our licensee.

  • Part of our team works from Nepal, and some of our technology providers are in the United States.

  • No computer makes a credit decision about you. People do.

  • You can see, correct or ask about your information at any time: privacy@brokrbettr.com.au


1. Who we are


Brokr Bettr Capital Pty Ltd (ACN 696 638 043) is an authorised credit representative (581195) of our licensee, Australian Credit Licence 389087. “We”, “us” and “our” means Brokr Bettr and our team. We follow the Privacy Act 1988 (Cth), the Australian Privacy Principles and the Privacy (Credit Reporting) Code.


2. What we collect


  • Identity and contact: name, date of birth, address, phone, email and identity documents.

  • Financial: income, employment, assets, debts, expenses and the loan you’re looking for.

  • Credit-related: repayment history, defaults and credit enquiries.

  • Sensitive information, such as health or hardship, only when you choose to tell us and it’s relevant.

  • Website data: pages visited, device and browser type, and how you arrived.


If you give us details about someone else, such as a co-applicant or guarantor, please make sure they know.


3. How we collect it


Mostly from you: in conversations, meetings, emails, forms, our client portal and the BRIX Blueprint on our website (your answers and contact details are saved so your broker can follow up). We may also receive information from lenders, valuers, conveyancers, your accountant, the person who referred you and public records. We sometimes record or transcribe calls and meetings so nothing is missed. We’ll tell you first, and you can ask us not to.


4. Why we use it


To understand your situation and goals, recommend and apply for suitable loans, manage your loan after settlement, verify your identity, meet our legal obligations and improve our service. If you don’t give us the information we need, we may not be able to help.


5. Who we share it with


  • Our licensee, who oversees our work and keeps compliance records.

  • Lenders and mortgage insurers you apply with. They’ll usually obtain your credit report from a credit reporting body: Equifax, Experian or illion.

  • Valuers, conveyancers, solicitors and other professionals involved in your loan.

  • The person who referred you, but only a progress update (for example, that your loan has settled), never your financial details. Tell us if you’d prefer we didn’t.

  • Service providers that help us run the business, such as cloud storage, email, client systems and analytics.

  • Government bodies and regulators, where the law requires it.


We never sell your information.


6. Overseas


Some of our team work from Nepal. They work inside our secure systems under contract, and your information isn’t stored on their devices. Some of our technology providers, for cloud, email, analytics and AI tools, are based in the United States. We take reasonable steps to make sure overseas recipients protect your information to Australian standards. Ask us for a list of our key providers and where they are.


7. Technology and automated decisions


We use technology, including AI tools, to help us prepare notes, drafts and indicative estimates such as your BRIX Blueprint. These tools don’t make decisions about you. Your broker makes every recommendation and lenders make every credit decision. We limit what these tools can see to what the task needs.


8. Website and analytics


Our website uses cookies and similar tools to understand how it’s used and to measure our advertising. These include PostHog (website analytics, with session recording switched off) and Google Ads. You can block cookies in your browser settings and manage Google ads at adssettings.google.com.


9. Marketing


We may send you updates and helpful information. You can opt out at any time: use the unsubscribe link, reply STOP to a text, or email us.


10. Security and retention


We hold your information in secure systems with access controls and two-step verification. We keep it for at least 7 years after our relationship ends, as the law requires, then securely destroy or de-identify it. If a data breach is likely to cause you serious harm, we’ll tell you and the Office of the Australian Information Commissioner.


11. Access, correction and complaints


You can ask to see or correct your information at any time. If you have a concern, contact our Privacy Officer and we’ll acknowledge it within one business day and respond within 30 days. If you’re not satisfied, you can contact:



Privacy Officer: privacy@brokrbettr.com.au · (02) 7249 3079 · Tower One, International Towers Sydney, 100 Barangaroo Avenue, Barangaroo NSW 2000


12. Changes


We may update this policy. The current version and its effective date are always on this page.