Privacy Policy
Last updated: 20 April 2026
1. Introduction
Ballarat Mortgage Broker ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at https://ballaratmortgagebroker.com.au and use our enquiry services.
We comply with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) and, where applicable, the General Data Protection Regulation (GDPR) for visitors from the European Union.
By using our website, you consent to the collection and use of information in accordance with this policy.
2. Information We Collect
2.1 Information You Provide
We collect information that you voluntarily provide when you:
- Complete our enquiry form
- Request to be connected with a mortgage broker in our network
- Communicate with us via email
This information may include your name, email address, phone number, and any details about your home loan enquiry.
2.2 Information Collected Automatically
When you visit our website, we may automatically collect:
- IP address (anonymised)
- Browser type and version
- Operating system and device type
- Pages visited and time spent on pages
- Referring website address
- General geographic location (region level)
3. How We Use Your Information
We use your information to:
- Respond to enquiries: match your enquiry with a suitable broker in our network
- Facilitate introductions: share relevant details with network partners so they can contact you
- Communicate: send you information about the progress of your enquiry
- Improve our website: analyse usage patterns to improve experience
- Comply with the law: meet legal and regulatory obligations
We will not use your personal information for purposes other than those outlined without your consent.
4. Third-Party Services
4.1 Network Partners
Ballarat Mortgage Broker is a lead referral service. We share your enquiry information with licensed mortgage brokers in our network so they can contact you about your home loan needs. Each network partner is bound by their own privacy obligations under Australian law.
4.2 Form Processing
Enquiry submissions are processed through a third-party customer relationship platform that stores and routes leads to our network. This provider is bound by its own privacy and data processing agreements.
4.3 Analytics
We use privacy-focused analytics to understand website usage. Our analytics solution does not collect personally identifiable information.
4.4 Hosting
Our website is hosted by third-party hosting providers who may process data as part of providing their services.
4.5 No Sale of Data
We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.
4.6 Legal Requirements
We may disclose your information if required by law, court order, or regulation, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
5. Data Retention
We retain your personal information only for as long as necessary:
- Enquiry data: retained for the duration of the referral relationship plus 7 years for legal and accounting purposes
- Analytics data: aggregated and anonymised data may be retained indefinitely
- Communication records: retained as necessary to provide services and comply with legal obligations
When personal information is no longer required, we will securely delete or de-identify it.
6. Your Rights
Under Australian privacy law and, where applicable, GDPR, you have the following rights:
6.1 Access
You may request access to the personal information we hold about you.
6.2 Correction
You may request correction of any inaccurate or incomplete information.
6.3 Deletion
You may request deletion of your personal information, subject to legal retention requirements.
6.4 Withdrawal of Consent
Where we rely on consent, you may withdraw it at any time.
6.5 How to Exercise Your Rights
Contact us using the details in Section 11. We may need to verify your identity before processing your request.
6.6 Complaints
If you believe we have breached the Australian Privacy Principles, you may lodge a complaint with us. If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
8. Security
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. Measures include SSL/TLS encryption, secure hosting, and limited access to personal information. However, no method of transmission over the internet is completely secure.
9. International Visitors
Our website is operated from Australia. If you are visiting from outside Australia, your information may be transferred to, stored, and processed in Australia, which may have different data protection laws than your country of residence.
10. Changes to This Policy
We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last updated" date and post the revised policy on our website. We encourage you to review this policy periodically.
11. Contact Us
If you have any questions about this Privacy Policy, wish to exercise your rights, or have a complaint, please contact us:
- Business: Ballarat Mortgage Broker
- Email: enquiry@ballaratmortgagebroker.com.au
- Website: https://ballaratmortgagebroker.com.au
We will respond to your enquiry as soon as reasonably practicable and within any timeframes required by law.