Introduction

‘We’, ‘us’ and ‘our’ refer to Spacecap Pty Ltd (ABN 17 682 863 538), a mortgage broking firm based in Level 5, Nexus Norwest, 4 Columbia Court, Baulkham Hills, 2153, NSW, Australia.
This privacy policy (Policy) outlines how we collect, use, disclose and handle your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
Where applicable, we also comply with obligations under Division 3 of Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code 2014.

Why We Collect Personal Information

We collect and hold your personal information to:

• Assess your application for mortgage finance and manage your home loan process
• Provide mortgage and related services
• Keep you informed of our services or updates
• Conduct direct marketing (unless you opt out)
• Comply with legal or regulatory obligations including Anti-Money Laundering and Counter-Terrorism Financing laws
• Manage our ongoing relationship with you

Information We Collect from You

We may collect a range of personal information including but not limited to:

• Name, address, contact details, and date of birth
• Identity verification documents (e.g. passport, driver’s licence, birth certificate)
• Employment details, income, financial assets and liabilities
• Banking details required to provide mortgage services
• Credit information, including credit reports
• Number and ages of dependants, cohabitants, residential status
• If applying for insurance through us, health information (with your consent)

Information We Collect from Others

We may collect information about you from third parties such as:

• Credit reporting agencies
• Financial institutions
• Your representatives (e.g., accountants, solicitors)
• Public registers and electronic verification services

How We Collect Personal Information

We typically collect personal information directly from you through meetings, phone calls, application forms, emails or our website. We may also collect it from third parties where you’ve provided consent, or where authorised or required by law.

If you provide us with personal information about another individual, you must ensure they are aware of this Policy and have consented to the information being shared.

Dealing with Us Anonymously

You may interact with us anonymously or using a pseudonym where lawful and practicable. However, we may not be able to provide you with services in such cases.

Use and Disclosure of Personal Information

We may use and disclose your personal information for:

• Mortgage application and processing
• Service and product delivery
• Compliance and audit obligations
• Employment or recruitment
• Handling complaints or enquiries
• Direct marketing (unless you opt out)

We may share your information with:

• Lenders and financial institutions
• Credit reporting bodies
• IT and service providers
• Auditors, legal and accounting professionals
• Government agencies (e.g., AUSTRAC, ASIC)
• Any party with your consent
• Overseas service providers (see below)

Direct Marketing

We may use your personal information to inform you about mortgage products, special offers, or related services. We may contact you via email, phone, SMS or mail.
You can opt-out at any time by contacting us or using the unsubscribe option in emails.

Credit Information

We may collect credit information such as your credit score, repayment history, and defaults to help assess your loan eligibility. This information may be sourced from credit reporting bodies.

Security of Personal Information

We take reasonable steps to protect your information from misuse, loss or unauthorised access. Personal data is stored electronically and protected with appropriate security measures.
When no longer required, we securely destroy or de-identify your personal information, unless required to retain it by law.

Cross-Border Disclosure

Some service providers or related entities may be located overseas (e.g., the Philippines). We take reasonable steps to ensure any overseas recipients comply with privacy standards comparable to those in Australia.
However, such entities may be subject to different privacy laws and may be compelled by local regulations to disclose your data.

Access and Correction

You may access or request correction of your personal information by contacting us. We aim to respond within 30 calendar days.
We may charge a reasonable fee for access. If we refuse your request, we will explain why in writing.

Questions or Complaints

If you have a complaint or question about how we’ve handled your personal information, please contact us using the details below.
We will acknowledge your complaint promptly and aim to resolve it within 30 calendar days. If unsatisfied, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC).

Notifiable Data Breaches

We will notify you and the OAIC of any data breach likely to cause serious harm.

Changes to this Policy

This Policy may be updated periodically. The latest version will always be available on our website.

Last updated: May 2025

Contact Us

For access, correction, complaints, or privacy-related enquiries, please contact:

Email: support@spacecap.com.au
Phone: +61 483 984 004‬
Address:
Privacy Officer
Spacecap Pty Ltd
Level 5, Nexus Norwest, 4 Columbia Court, Baulkham Hills, 2153, NSW, Australia