Privacy Policy

Effective date: 9 September 2025

We understand the importance of protecting the personal and private information you entrust to us. This Privacy Policy explains how Blue Harbour Mortgage Pty Ltd collects, holds, uses, discloses, and protects your personal information.

We are committed to handling your information responsibly and securely, and to complying with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and all other applicable privacy and credit legislation.

References to “we”, “us”, and “our” mean:

Blue Harbour Mortgage Pty Ltd
Australian Credit Licence (ACL): 572373
ABN: 96 690 256 725

Address: Level 9, 210 Clarence Street, Sydney NSW 2000
Phone: 0422 347 681
Email: office@blueharbourmortgage.com.au

Aggregator: Finsure Finance & Insurance Pty Ltd (ACL 384704)

• We take reasonable steps to protect your personal information.
• We will notify you where required if your information is lost or compromised.
• We do not sell your personal information.
• We only use your information to provide services, meet legal obligations, and improve how we operate.
• Where appropriate, we may record phone or online conversations for quality, training, and compliance purposes. By engaging with us, you consent to this recording.
   

Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable.

• name, date of birth, address, and contact details;
• government-issued identification (such as a driver’s licence or passport);
• employment and income details;
• financial information including assets, liabilities, expenses, and bank statements;
• account and transaction details; and
• other information required to identify you.
   

We may also collect credit information and credit eligibility information, including:

• credit applications;
• details of existing or proposed credit contracts;
• repayment history information;
• credit reports and credit scores.

This information is used to assess your eligibility for credit and to provide credit assistance services.

In limited circumstances, we may collect sensitive information (such as health information relevant to insurance products or hardship requests). Sensitive information is only collected with your consent or where required or authorised by law.

We collect personal information to:

• provide mortgage broking and credit assistance services;
• assess suitability and eligibility for finance or insurance;
• submit applications to lenders, insurers, and product providers;
• manage and administer credit arrangements;
• communicate with you and manage our relationship;
• comply with legal, regulatory, and licensing obligations;
• manage risk, prevent fraud, and conduct internal administration; and
• provide information about other products or services that may be of interest to you (where permitted by law).

If you do not provide the information we request, we may be unable to provide our services to you.

Where reasonable and practicable, we collect personal information directly from you.

We may also collect personal information from:

• banks, lenders, insurers, and credit providers;
• Finsure Finance & Insurance Pty Ltd and its systems;
• credit reporting bodies;
• accountants, lawyers, employers, referees, or guarantors (with your consent);
• identity verification services;
• third-party service providers; and
• publicly available sources.
   

If you provide us with information about another person (such as a co-applicant or guarantor), you confirm that you are authorised to do so and that you have informed them of this Privacy Policy.

We may use and disclose your personal information to:

• provide our services to you;
• assess, process, and submit credit applications;
• lenders, lessors, mortgage insurers, and credit reporting bodies;
• Finsure Finance & Insurance Pty Ltd;
• valuers, settlement agents, and professional advisers;
• IT, cloud storage, document management, marketing, and administrative service providers;
• government, regulatory, or law-enforcement bodies where required by law (including under AML/CTF legislation); and
• any other party where you have consented.

We take reasonable steps to ensure recipients handle your information consistently with our privacy obligations.

We may also collect non-personal or anonymised data (such as aggregated statistics, device type, browser information, and general location data) to improve our services, understand usage trends, and optimise user experience. This data cannot be used to identify you.

We may use cloud-based systems or third-party service providers (including those used by Finsure) that store or process personal information outside Australia.

Where this occurs, we take reasonable steps to ensure overseas recipients handle your information in a manner consistent with Australian privacy laws. Overseas recipients may be subject to foreign laws requiring disclosure, for which we are not responsible.

We may use your personal information to provide information about finance products, services, or offers that may be of interest to you.

You may opt out of marketing communications at any time by contacting us or using the unsubscribe option in electronic communications. We will process your request as soon as reasonably practicable and will not charge you for opting out.

We take reasonable electronic and physical measures to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure.

We retain personal information only for as long as necessary to provide services, meet legal and regulatory obligations, or resolve disputes. When information is no longer required, we take reasonable steps to securely destroy or de-identify it.

You may request access to, or correction of, personal information we hold about you by contacting us. We may need to verify your identity before processing your request.

There is no fee for requesting access, although a reasonable fee may apply for complex requests. We aim to respond within 30 days.

If you believe we have mishandled your personal information or breached our privacy obligations, please contact:

Privacy Complaints Officer
Blue Harbour Mortgage Pty Ltd
📞 0422 347 681
📧 office@blueharbourmortgage.com.au

We will acknowledge your complaint and aim to resolve it within 30 days.

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC):
🌐 www.oaic.gov.au
📞 1300 363 992

We may update this Privacy Policy from time to time to reflect changes in law, technology, or business practices. The most current version will be available on our website or upon request.