Introduction
In this Privacy Policy, “we”, “us” and “our” refer to SKR GLOBAL FINANCE PTY LTD.
This Privacy Policy explains how we collect, use, disclose and manage your personal information in accordance with:
- The Privacy Act 1988 (Cth)
- The Australian Privacy Principles
- Where applicable, Division 3 of Part IIIA of the Privacy Act
- The Privacy (Credit Reporting) Code 2014
We are committed to handling personal information lawfully, fairly and transparently when providing mortgage broking and credit assistance services.
Why We Collect Personal Information
We collect and hold personal information for purposes including:
- Assessing your application for finance
- Providing credit assistance and loan recommendations
- Submitting applications to lenders
- Managing and administering your finance
- Maintaining our ongoing relationship with you
- Direct marketing, unless you opt out
- Compliance with legal and regulatory obligations
- Meeting obligations under anti-money laundering and counter-terrorism financing laws
- Meeting comprehensive consumer credit reporting obligations
Information We Collect From You
The personal information we collect may include, but is not limited to:
Personal and Contact Details
- Full name
- Date of birth
- Residential and postal address
- Phone number and email address
Identity Verification
- Driver licence
- Passport
- Birth certificate
- Citizenship documents
- Visa status
- Marriage certificate, where applicable
Government Identifiers
- Tax File Number, where required by law
- Country of tax residency
Financial Information
- Employment details
- Income information and payslips
- Bank statements
- Assets and liabilities
- Superannuation details
- Living expenses
Credit Information
- Credit reports
- Repayment history
- Defaults
- Credit enquiries
If you apply jointly, we may collect information about your co-applicant, dependants and household members.
We will collect health information only where reasonably required, such as for an insurance-related product, and only with your consent.
We do not intentionally collect sensitive information such as political or religious beliefs unless required or authorised by law.
Information We Collect From Others
We may collect personal information from:
- Credit reporting bodies
- Lenders and financial institutions
- Our aggregator or compliance provider
- Accountants, solicitors or financial advisers, with your consent
- Identity verification services
- Public registers and publicly available sources
- Referees or employers
We will collect information from third parties only where permitted by law or with your consent.
How Personal Information Is Collected
We collect personal information:
- Directly from you through forms, emails, phone calls, meetings and website enquiries
- Through electronic verification systems
- Through our customer relationship management and compliance systems
- Through secure online application portals
Where we are legally required to collect information, including identity information under anti-money laundering legislation, we will explain the relevant obligation and the consequences of not providing the information.
If you provide information about another person, you must ensure that:
- You are authorised to provide it
- The person consents to us collecting and handling their information under this Policy
Anonymous Dealings
You may browse our website anonymously.
Where we are legally required to verify your identity, including when providing credit assistance, we cannot deal with you anonymously.
How We Use and Disclose Personal Information
We may use your personal information to:
- Assess and submit loan applications
- Recommend suitable credit products
- Provide mortgage broking and credit assistance services
- Comply with regulatory requirements
- Manage complaints
- Provide direct marketing, unless you opt out
We may disclose personal information to:
- Lenders and credit providers
- Mortgage insurers
- Credit reporting bodies
- Our aggregator and compliance provider
- Valuers
- Solicitors and accountants
- IT service providers and CRM providers
- Identity verification services
- Government regulators, including ASIC and AUSTRAC
- Law enforcement bodies where required
- Professional advisers
- Successors in title or business partners
You consent to us disclosing information to these entities where reasonably necessary to provide our services or comply with the law.
Direct Marketing
We may contact you about:
- Refinancing opportunities
- Interest rate updates
- Government grants and incentives
- New products or services
We may communicate through:
- SMS
- Phone
- Social media
- Website advertising
You may opt out at any time by emailing sandeep@skrglobal.com.au .
We will not charge you for opting out.
Credit Information
Credit information may include details about:
- Your credit history
- Repayment conduct
- Defaults
- Credit enquiries
We may obtain credit reports from credit reporting bodies such as:
- Equifax
- Experian
- illion
This information may be used to assess your eligibility for finance and to assist with credit applications.
Security of Personal Information
We take reasonable steps to protect information from:
- Misuse
- Interference
- Loss
- Unauthorised access
- Modification or disclosure
Security measures may include:
- Secure CRM systems
- Password-protected digital storage
- Restricted staff access
- Secure destruction of records
- Encryption where appropriate
We may retain information where required by legislation, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).
Cross-Border Disclosure
Some service providers, including CRM or IT platforms, may store or process information outside Australia.
Where cross-border disclosure occurs, we take reasonable steps to ensure overseas recipients handle personal information consistently with Australian privacy standards.
Overseas recipients may not be subject to privacy laws equivalent to those applying in Australia.
Access and Correction
You have the right to:
- Request access to personal information we hold about you
- Request correction of inaccurate, incomplete or outdated information
Requests may be submitted by email to:
We will respond within 30 days.
We may refuse access or correction where permitted by law and will provide written reasons where required.
Privacy Complaints
If you have a privacy concern or complaint, please contact:
Privacy Officer — SKR GLOBAL FINANCE PTY LTD
We will acknowledge your complaint promptly and aim to resolve it within 30 days.
If you are not satisfied, you may contact the Office of the Australian Information Commissioner:
Notifiable Data Breaches
If an eligible data breach occurs and is likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner as required under the Privacy Act.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in law, regulation, technology, business operations or our information-handling practices.
The current version will always be available on our website.
Social Media
We may collect aggregated, non-personal statistics from social media platforms where you interact with our business pages.