Privacy Policy

Effective Date: March 2026
Business Name: Bellex Finance Pty Ltd (“we”, “us”, “our”)

1. Purpose of this Policy

This Privacy Policy outlines how Bellex Finance collects, uses, stores, and discloses your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

We are committed to protecting your privacy and handling your personal information in a transparent and secure manner.

2. What Personal Information We Collect

We may collect personal information necessary to provide our services as a finance broker, including:

Identification Information

  • Full name
  • Date of birth
  • Driver’s licence or other identification documents

Contact Information

  • Address
  • Phone number
  • Email address

Financial Information

  • Income and employment details
  • Bank account and transaction history
  • Assets and liabilities
  • Credit history and credit scores

Sensitive Information (where required)

  • Information about financial hardship
  • Government identifiers (e.g. Tax File Number, where permitted by law)

We will only collect information that is reasonably necessary to provide our services.

3. How We Collect Your Information

We collect personal information through:

  • Direct interactions (applications, forms, phone, email)
  • Our website (including enquiry forms)
  • Third parties, such as:
    • Credit reporting bodies
    • Lenders and financial institutions
    • Employers or accountants (with your consent)
    • Referrers or introducers

4. Why We Collect Your Information

We collect, use, and disclose your personal information to:

  • Assess your financial situation and borrowing capacity
  • Recommend suitable loan products
  • Submit applications to lenders
  • Verify your identity and comply with legal obligations
  • Manage and administer our services
  • Communicate with you about your application or enquiries
  • Meet our obligations under the National Consumer Credit Protection Act 2009 (Cth)

5. Disclosure of Your Information

We may disclose your personal information to:

  • Lenders and finance providers
  • Aggregators and loan processing platforms
  • Credit reporting bodies (e.g. Equifax, illion, Experian)
  • Mortgage insurers
  • Service providers (IT, compliance, administration)
  • Government and regulatory bodies where required by law

We only disclose information necessary to perform our services or comply with legal obligations.

6. Credit Reporting Information

As a finance broker, we may:

  • Obtain your credit report from credit reporting bodies
  • Provide your information to lenders for credit assessment
  • Share information with credit providers as part of your application

You have the right to:

  • Access your credit information
  • Request corrections
  • Make a complaint about misuse

7. Overseas Disclosure

In some cases, your information may be disclosed to overseas service providers (e.g. cloud storage or CRM systems).

Where this occurs, we take reasonable steps to ensure your information is handled in accordance with Australian privacy laws.

8. Website & Cookies

Our website may collect limited personal information through:

  • Contact forms
  • Cookies and analytics tools

This helps us:

  • Improve user experience
  • Analyse website traffic
  • Respond to enquiries

You can disable cookies through your browser settings.

9. Data Security

We take reasonable steps to protect your personal information from:

  • Misuse
  • Interference
  • Loss
  • Unauthorised access, modification, or disclosure

Security measures include:

  • Secure digital systems
  • Restricted access
  • Staff confidentiality obligations

10. Access and Correction

You have the right to:

  • Request access to your personal information
  • Request correction of inaccurate or outdated information

To do so, please contact us using the details below. We will respond within a reasonable timeframe.

11. Retention of Information

We retain your personal information only as long as necessary to:

  • Provide our services
  • Meet legal and regulatory requirements

This includes obligations under credit and financial services laws.

12. Complaints

If you believe your privacy has been breached, you can lodge a complaint with us.

We will:

  • Acknowledge your complaint promptly
  • Investigate and respond within a reasonable timeframe

If you are not satisfied with our response, you may contact:

Office of the Australian Information Commissioner (OAIC)
Website: www.oaic.gov.au

If your complaint relates to credit services, you may also contact:

Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au

13. Changes to this Policy

We may update this Privacy Policy from time to time.

The latest version will always be available on our website.

14. Contact Us

For privacy-related enquiries or requests, please contact:

Bellex Finance Pty Ltd
Email: stefani@bellexfinance.com
Phone: +61 468 825 805

Our Privacy Guide and Credit Guide