Privacy Policy
Effective Date: 14 May 2025
Introduction
LiveInvest Finance Solutions (“we”, “us” or “our”) 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).
We operate as a credit representative under the National Consumer Credit Protection Act 2009 (Cth) (NCCP Act) and collect personal and credit information in line with our obligations, including those related to responsible lending.
By engaging our services or submitting your information via our website, you consent to the collection, use, storage, and disclosure of your personal information in accordance with this Privacy Policy.
What Information We Collect
We collect personal information that is reasonably necessary for our business functions, including to provide mortgage and finance advice. This may include:
- Full name
- Contact details (phone, email, residential address)
- Employment and income details
- Financial information (e.g. assets and liabilities)
- Credit-related information (e.g. credit score, repayment history
Information is typically collected directly through:
- Online enquiry forms (e.g. on our website www.liveinvest.com.au)
- Phone calls, emails, or virtual meetings
- Forms submitted during the onboarding process
We do not collect sensitive information (such as health, religious beliefs, political affiliations, etc.) unless legally required or with your explicit consent.
Sensitive Information
Sensitive information will be used by us only:
- For the primary purpose for which it was obtained.
- For a secondary purpose that is directly related to the primary purpose.
- With your consent; or where required or authorized by law.
Why We Collect Your Information
We collect your personal information to:
- Provide tailored mortgage and credit advice.
- Assess your eligibility for finance products.
- Recommend suitable lenders and loan structures.
- Arrange appointments and communicate with you.
- Comply with legal and regulatory obligations.
- Maintain accurate internal records.
- Send relevant updates or marketing materials (you may opt out at any time).
We will only use or disclose your information for the purposes it was collected or where otherwise permitted by law.
Credit Reporting
With your consent, we may obtain credit-related information from credit reporting bodies (CRBs) to assess your eligibility for credit products. This information may include your credit score, repayment history, and any defaults.
The CRBs we may use include:
- Equifax (www.equifax.com.au)
- Illion (www.illion.com.au)
- Experian (www.experian.com.au)
You have the right to request:
- Access to your credit information
- Correction of inaccurate or outdated credit data
- That CRBs not use your information for pre-screening or direct marketing
We will not share your credit information without your express consent.
Disclosure of Personal Information
We may disclose your personal information to:
- Credit providers and lenders on our panel (with your consent)
- Our aggregator (e.g. Australian Finance Group Ltd) for compliance and support
- CRM systems, software platforms, and document storage providers
- Our employees, contractors, and referral partners – Professional advisers (legal, accounting, compliance)
- Regulators or authorities where legally required
We do not sell or rent your personal information to third parties.
Overseas Disclosure
Some of our service providers may be located overseas or store data in overseas jurisdictions. As such, your personal information may be disclosed or accessible in the following countries:
USA, Canada, Malaysia, India, Ireland, the United Kingdom, Serbia, Nepal, South Africa, Fiji, Sri Lanka, Bangladesh, Hong Kong, China, Vietnam, Croatia, Dominican Republic and the Philippines.
Where overseas disclosures occur, we take reasonable steps to ensure those providers handle your information in a way that complies with Australian privacy law.
Storage and Security
We store your personal information securely using a combination of cloud-based systems and, where necessary, limited paper files. We take reasonable steps to protect your data from unauthorised access, loss, misuse, or disclosure.
Your personal information is retained for at least seven (7) years as required by law. After this period, data is securely destroyed or de-identified, unless needed for legal or business purposes.
Access and Correction
You may request access to the personal information we hold about you at any time. If any details are inaccurate or outdated, you can request a correction.
Requests can be made by contacting us directly using the details below. We may require identification and may charge a reasonable administrative fee for large or complex requests.
Website and Cookies
Our website is primarily used to share information and collect enquiry details (e.g. for appointment bookings).
We do not use cookies to track individual browsing behaviour or store personal preferences. Any cookies used are for basic site functionality only (e.g. session management). We do not collect transactional or payment data via the website.
Third Parties and External Links
Our website may include links to third-party websites. We are not responsible for the privacy practices of those websites and encourage you to read their policies before providing any information.
Marketing and Communication
We may send you general updates or marketing information relevant to your financial needs. You can opt out at any time by clicking the “unsubscribe” link in our communications or contacting us directly.
Complaints and Contact Details
If you have any questions, concerns, or wish to make a privacy-related complaint, please contact:
LiveInvest Finance Solutions
PO Box 189, Stanhope Gardens NSW 2768
1300 977 103
invest@liveinvest.com.au
We aim to respond within 30 days. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or call 1300 363 992.
Credit Guide
To request a copy of our Credit Guide, please email us at admin@liveinvest.com.au or call 1300 831 288.
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