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Privacy Policy

Effective Date: 14/06/2026

1. Introduction

Encouraged Pty Ltd ("we", "our", "us") is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you visit our website, enquire about our services, or engage us as your mortgage broker.

2. Who We Are

Business Name: Encouraged Pty Ltd

Credit Representative Number 578855 is an authorised Credit Representative of Yellow Brick Road Aggregation Pty Ltd ABN 66 138 789 161, Australian Credit Licence 390261.

3. What Personal Information We Collect

We may collect personal information including:

Identity Information

  • Full name

  • Date of birth

  • Residential address

  • Driver licence details

  • Passport details

  • Other identification documents

Contact Information

  • Phone number

  • Email address

  • Postal address

Financial Information

  • Income and employment details

  • Bank account details

  • Credit history information

  • Existing loans and liabilities

  • Assets and financial position

  • Tax information

Transaction Information

  • Loan application details

  • Property information

  • Financial documents provided during the lending process

Website Information

When you visit our website, we may collect:

  • IP address

  • Browser type and device information

  • Website usage data

  • Cookies and analytics information

4. How We Collect Personal Information

We collect personal information directly from you when you:

  • Complete online enquiry forms

  • Apply for finance through us

  • Contact us by phone, email, or social media

  • Subscribe to newsletters or marketing communications

  • Upload documents through our website or client portal

We may also collect information from third parties, including:

  • Credit reporting bodies

  • Lenders and financial institutions

  • Employers (with your consent)

  • Accountants, solicitors, and financial advisers

  • Government agencies and public registers

  • Referrers and business partners

5. Why We Collect Your Personal Information

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

  • Assess your borrowing capacity and finance requirements

  • Recommend suitable loan products

  • Prepare and submit loan applications

  • Liaise with lenders and other service providers

  • Verify your identity and comply with legal obligations

  • Manage our relationship with you

  • Improve our services and website

  • Conduct internal administration and record keeping

  • Send service updates and marketing communications where permitted by law

  • Respond to enquiries and complaints

If you do not provide the information requested, we may be unable to provide mortgage broking services or submit finance applications on your behalf.

6. Credit Information

As a mortgage broker, we may collect and use credit-related information, including:

  • Consumer credit liability information

  • Credit reports

  • Repayment history information

  • Information about defaults or credit infringements

We may obtain this information from credit reporting bodies and disclose it to lenders for the purpose of assessing your loan application.

7. Disclosure of Personal Information

We may disclose your personal information to:

  • Banks, lenders, and credit providers

  • Mortgage insurers

  • Aggregators and loan processing platforms

  • Credit reporting bodies

  • Valuers and property service providers

  • Solicitors and conveyancers

  • Accountants and financial advisers (with your authority)

  • Technology and cloud service providers

  • Compliance, audit, and legal advisers

  • Government, regulatory, and law enforcement agencies where required by law

We do not sell your personal information to third parties.

8. Overseas Disclosure

Some of our service providers may store or process information outside Australia.

Where personal information is disclosed overseas, we take reasonable steps to ensure that recipients handle the information in accordance with Australian privacy laws.

9. Cookies and Website Analytics

Our website may use cookies and similar technologies to:

  • Improve website functionality

  • Analyse website traffic

  • Understand user behaviour

  • Enhance user experience

You can modify your browser settings to refuse cookies; however, some website features may not function correctly.

We may use analytics services such as Google Analytics or similar tools to collect website usage information.

10. Direct Marketing

We may use your personal information to send information about our services, finance products, promotions, and industry updates.

You may opt out of marketing communications at any time by:

  • Clicking the unsubscribe link in emails; or

  • Contacting us using the details below.

11. Storage and Security

We take reasonable steps to protect personal information from:

  • Unauthorised access

  • Misuse

  • Interference

  • Loss

  • Modification

  • Disclosure

Security measures may include:

  • Secure servers

  • Encryption technologies

  • Password-protected systems

  • Access controls

  • Staff confidentiality obligations

While we take reasonable precautions, no method of transmission over the internet is completely secure.

12. Access and Correction

You may request access to the personal information we hold about you and request corrections if you believe the information is inaccurate, incomplete, or out of date.

Requests should be submitted using the contact details below.

We will respond within a reasonable period and may require verification of your identity.

13. Retention of Information

We retain personal information for as long as necessary to:

  • Provide our services

  • Meet legal and regulatory obligations

  • Resolve disputes

  • Maintain business records

When information is no longer required, it will be securely destroyed or de-identified where appropriate.

14. Complaints

If you believe we have breached your privacy rights, you may lodge a complaint by contacting us.

Please provide details of your complaint so we can investigate and respond.

We will acknowledge your complaint and aim to resolve it 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

Phone: 1300 363 992

15. Contact Us

For privacy enquiries, access requests, corrections, or complaints, please contact:

Privacy Officer

Encouraged Pty Ltd

0410 959 400

admin@encouraged.com.au

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

The latest version will always be available on our website, and the effective date will be updated accordingly.

Credit Representative Disclosure

Credit Representative Number 578855 is an authorised Credit Representative of Yellow Brick Road Aggregation Pty Ltd ABN 66 138 789 161, Australian Credit Licence 390261.

Credit assistance is provided in accordance with the National Consumer Credit Protection Act 2009 (Cth).

This information is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, you should consider whether it is appropriate for your circumstances.

Terms, conditions, fees, charges, lending criteria and eligibility requirements may apply. Loan approval is subject to lender assessment and approval.

We do not provide legal, accounting or taxation advice. You should seek independent professional advice regarding these matters.

A Credit Guide is available on request.

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