reviewyourmortgage.com.au is owned and operated by EMBR Group Pty Ltd (ABN 27 147 278 153) (“EMBR”, “we”, “us” or “our”).
We handle personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and other applicable Australian laws.
This Privacy Policy explains what information we collect, why we collect it, how we use and disclose it, how enquiries are qualified and referred, and how you can access, correct or complain about our handling of your information.
Review Your Mortgage is a free home-loan review enquiry and referral service.
EMBR Group Pty Ltd
ABN 27 147 278 153
Email: hello@embr.com.au
Depending on how you deal with us, including through our separate enquiry website, we may collect:
Our form does not ask for sensitive information such as health, racial or ethnic origin, religious beliefs, political opinions or criminal history.
If a Referral Partner requires additional personal or financial information to assess a credit application, it may collect that information from you directly.
We primarily collect personal information directly from you when you:
This Website does not have a form, and it does not use cookies, advertising pixels or analytics tools. Our hosting provider records technical information, such as your IP address and browser details, when your device requests a page. Our home-loan review enquiry is made on a separate website, which has its own privacy policy.
We may use personal information to:
We use software systems and predefined business rules to assist in processing, qualifying and routing enquiries.
The personal information used in these systems may include:
Our systems may determine:
Referral Partner volume limits, availability and other operational requirements may also influence routing.
These systems do not approve or decline your application for credit and do not determine whether a loan is suitable for you. Any decision regarding credit eligibility, suitability or approval is made separately by the relevant Referral Partner and/or lender.
Where your enquiry meets applicable criteria, we may disclose your personal information to an independent mortgage broker or other appropriately licensed or authorised credit service provider (“Referral Partner”).
Information disclosed may include:
Where we refer an enquiry, we generally provide it to one Referral Partner only.
Different enquiries may be referred to different Referral Partners depending on applicable criteria and Referral Partner availability.
Once information has been disclosed to a Referral Partner, that organisation will handle it in accordance with its own privacy obligations and privacy policy.
Review Your Mortgage's initial Website enquiry process is intended to generate and refer a home-loan enquiry.
We do not obtain your consumer credit report because you submit the initial Website enquiry, and submitting it does not affect your credit rating.
If you proceed with a Referral Partner, that Referral Partner or lender may collect, use or disclose credit information or credit eligibility information as part of assessing an application. Its own privacy and credit-reporting policies will apply to those activities.
EMBR receives a fixed fee from Referral Partners for qualifying and referring enquiries.
Our referral remuneration is not based on whether you are ultimately approved for finance, refinance your loan or achieve any particular lending outcome.
Where you have provided consent, EMBR and/or the Referral Partner selected for your enquiry may contact you by telephone, SMS or email regarding your home-loan enquiry and related home-loan services.
You may withdraw consent or ask to stop receiving marketing communications at any time.
For EMBR communications, you can:
If a Referral Partner contacts you directly, you may also opt out directly with that organisation.
We may also disclose personal information to organisations that assist us to operate our business, including:
We may also disclose information where required or authorised by law.
This Website does not use cookies, advertising pixels or analytics tools.
Our hosting provider records technical information when your device requests a page, such as:
The separate website where you can make a home-loan review enquiry may use cookies and similar technologies, and describes them in its own privacy policy.
Some technology providers used by us may store or process information outside Australia.
The countries involved may vary according to the infrastructure used by those providers.
The overseas recipient we are likely to disclose personal information to is Cloudflare, Inc. in the United States, which hosts the Website. Cloudflare operates a global network, so information about your visit may also pass through its data centres in other countries.
Where required by the Australian Privacy Principles, we take reasonable steps concerning the handling of personal information by overseas recipients.
We take reasonable steps to protect personal information against misuse, interference, loss and unauthorised access, modification or disclosure.
No internet-based system can be guaranteed to be completely secure.
We retain personal information for as long as reasonably necessary for purposes including:
When information is no longer required, we take reasonable steps to destroy or de-identify it where appropriate.
You may request access to personal information we hold about you or ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading.
Contact: hello@embr.com.au
We may need to verify your identity before processing the request.
You may ask us to delete or de-identify personal information.
We may need to retain some information where required or permitted by law or for regulatory, consent-record, complaint, suppression or other legitimate record-keeping purposes.
A request made to EMBR does not automatically delete personal information already held independently by a Referral Partner or lender.
If an eligible data breach occurs, we will comply with applicable obligations under the Notifiable Data Breaches scheme, including notifying affected individuals and the Office of the Australian Information Commissioner where required.
Privacy complaints may be sent to:
Privacy Officer
EMBR Group Pty Ltd
Email: hello@embr.com.au
We will investigate complaints and respond within a reasonable period.
If you remain dissatisfied, you may be entitled to lodge a complaint with the Office of the Australian Information Commissioner.
We may update this Privacy Policy to reflect changes in our Website, technology, Referral Partner arrangements or legal obligations.
The current version will be published on the Website with its latest update date.