Position Ready Finance Pty Ltd (ACN 689 046 213, ABN 19 689 046 213) (“we”, “us”, “our”) is committed to protecting your privacy. This policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. Information We Collect

We may collect the following types of personal information:

Name, email address, phone number, and postal address
Financial information including income, expenses, assets, and liabilities
Employment details and credit history (where relevant to a loan application)
Information provided through our website contact forms, chat widget, or booking system
Usage data collected automatically when you visit our website (such as IP address, browser type, and pages visited)

2. How We Collect Information

We collect information directly from you when you:

Submit an enquiry or contact form on our website
Book a consultation through our online booking system
Communicate with us by phone, email, or through our chat widget
Engage us to provide mortgage broking or financial services

We may also collect information from third parties such as lenders, credit reporting agencies, or referral partners, where permitted by law.

3. Why We Collect Your Information

We collect and use your personal information to:

Assess your eligibility for home loans and other financial products
Prepare and submit loan applications on your behalf
Communicate with lenders, insurers, and other relevant parties
Respond to enquiries and provide customer support
Improve our website and services
Comply with our legal and regulatory obligations
Send you relevant information about our services (where you have consented)

4. Disclosure of Your Information

We may disclose your personal information to:

Lenders and credit providers as part of a loan application
Referral partners (such as insurance specialists) where you have requested a referral
Our aggregator, Yellow Brick Road
Credit reporting agencies and bureaus
Legal, compliance, or regulatory bodies where required
Third-party service providers who assist us in operating our business (such as IT and software providers), who are bound by confidentiality obligations

We do not sell your personal information to third parties.

5. Storage and Security

We take reasonable steps to protect your personal information from misuse, loss, and unauthorised access. Your information is stored securely, and access is restricted to authorised personnel only.

Where we use third-party systems (such as our booking platform or CRM), those providers are selected for their security standards. However, no data transmission over the internet is completely secure, and we cannot guarantee absolute security.

6. Access and Correction

You have the right to request access to the personal information we hold about you, and to request corrections if it is inaccurate or out of date. To make a request, contact us at the details below.

We will respond to access and correction requests within a reasonable timeframe.

7. Cookies and Website Analytics

Our website uses cookies — small text files stored on your device — to help the site function correctly and to understand how visitors use it. Below is a summary of the cookies and third-party tools we use.

Essential cookies

These cookies are necessary for the website to function. They do not collect personal information and cannot be disabled without affecting core site functionality (for example, form submissions and page navigation).

Analytics — Google Analytics

We use Google Analytics to collect aggregated, anonymised data about how visitors interact with our website, including pages visited, time on site, and referral sources. This helps us improve the website and our services. Google Analytics uses cookies to identify returning visitors; however, we do not enable the advertising or remarketing features and IP addresses are anonymised. You can opt out of Google Analytics tracking at any time using the Google Analytics Opt-out Browser Add-on.

Online booking — Cal.com

Our website uses Cal.com to power our consultation booking system. When you book an appointment, Cal.com collects your name, email address, and any additional information you provide in the booking form. This information is used solely to confirm and manage your appointment. Cal.com's own privacy policy applies to data processed through their platform. We do not receive or store your payment details through this tool.

Chat widget

Our website includes a chat feature to allow visitors to ask questions. Any information you voluntarily submit through the chat (such as your name, email, or enquiry details) is collected and used to respond to your query and may be stored as part of our client communication records.

Calculators

The financial calculators on our website (including the repayment calculator, borrowing power calculator, and financial freedom date calculator) are processed entirely within your browser. No data you enter into these tools is transmitted to us or stored on our servers.

Managing cookies

You can control or disable cookies through your browser settings at any time. Please note that disabling certain cookies may affect the functionality of our website. For guidance on managing cookies, visit allaboutcookies.org.

8. Links to Third-Party Sites

Our website may contain links to third-party websites (such as lender websites or partner pages). We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

9. Complaints

If you believe we have handled your personal information in a way that breaches the Australian Privacy Principles, you may make a complaint by contacting us directly. We will investigate and respond within 30 days.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

10. Contact Us

For any privacy-related enquiries or requests, please contact us at:

Email: admin@positionreadyfinance.com
Website: www.positionreadyfinance.com.au

11. Changes to This Policy

We may update this Privacy Policy from time to time. The current version will always be available on our website. We encourage you to review this page periodically.