Privacy Policy

At Sapphire Finance Brokerage, we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles, and our obligations under the National Consumer Credit Protection Act 2009.

Sapphire Finance Brokerage Pty Ltd ABN 19 673 107 821 operates as a credit representative authorised under Australian Credit Licence 389328 held by Connective Credit Services Pty Ltd.

This Privacy Policy explains how we collect, use, disclose, and protect your personal information.

Collection of Personal Information
We collect personal information from you when you engage us to assist with your finance, lending, or credit needs. The information we collect may include:  
- Full name, address, date of birth, and contact details
- Identification documents
- Employment and income details
- Financial information and liabilities
- Credit history and repayment information
- Information relating to your objectives and requirements
- Company and trust information where applicable
- Any other information reasonably required to assess and process your application

In some circumstances, we may also collect sensitive information where relevant to assisting with your application.

Why We Collect Your Information
We collect, hold, use, and disclose your information for purposes including:  - Assessing your finance and credit needs
- Assisting you to apply for loans or other financial products
- Completing preliminary assessments under responsible lending obligations
- Verifying your identity and financial circumstances
- Communicating with lenders, insurers, solicitors, valuers, and other parties involved in your application
- Managing our relationship with you
- Complying with legal and regulatory obligations
- Improving our services and systems

If you do not provide the information requested, we may be unable to properly assess your circumstances or assist with your finance application.

Credit Reporting and Credit Checks
By engaging us to assist with your finance needs, you authorise Sapphire Finance Brokerage and Connective to obtain credit information and credit reports about you from credit reporting bodies and credit providers where reasonably necessary.

This may include disclosing your personal information to credit reporting bodies for the purpose of obtaining consumer or commercial credit reports to assess your application.

A lender may also disclose information about you to credit reporting bodies if you fail to meet repayment obligations or commit a serious credit infringement.

For more information regarding credit reporting and your rights, please visit Office of the Australian Information Commissioner (OAIC).

Disclosure of Personal Information
We may disclose your information to:
- Banks, lenders, mortgage managers, and credit providers
- Mortgage insurers and valuation providers
- Connective Credit Services Pty Ltd and related entities
- Our aggregators, compliance providers, and business partners
- Solicitors, accountants, and professional advisers
- Contractors and third-party service providers assisting our business operations
- Government agencies, regulators, or authorities where required by law

Some service providers or systems we use may store information overseas, including countries such as the Philippines, India, and Nepal. Where this occurs, we take reasonable steps to ensure your information is protected appropriately.

We do not sell, trade, or rent your personal information to third parties.

Storage and Protection of Information
We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure.

Your information is stored securely using password-protected systems, secure databases, firewalls, and restricted access controls. All staff and contractors are required to maintain the confidentiality of personal information.

We retain personal information only for as long as necessary to provide our services and comply with legal, compliance, and record-keeping obligations.

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

Requests for access or correction can be made in writing to:
‍
Privacy Officer
Sapphire Finance Brokerage Pty Ltd
1/200 Mary Street
Brisbane QLD 4000
Email: admin@sapphirefinance.com.au

We will respond within a reasonable timeframe. In some circumstances, an administration fee may apply for access requests.

Complaints and Dispute Resolution
We are committed to providing a high level of service and handling complaints fairly and efficiently.
If you have a complaint regarding our services or the handling of your personal information, please contact us first so we can attempt to resolve the issue promptly.

Privacy Officer
Sapphire Finance Brokerage Pty Ltd
Email: admin@sapphirefinance.com.au

Please include:
- Your full name and contact details
- Details of your complaint
- Any supporting documents or information

We will acknowledge your complaint and aim to resolve it in accordance with our Internal Dispute Resolution procedures and ASIC requirements.

If your complaint cannot be resolved to your satisfaction, you may contact the external dispute resolution scheme:
‍
Australian Financial Complaints Authority (AFCA)

Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Email: info@afca.org.au
Mail: GPO Box 3, Melbourne VIC 3001

Time limits may apply to lodge a complaint with AFCA.

Your Consent
By engaging Sapphire Finance Brokerage to assist with your finance or credit needs, you consent to the collection, use, storage, and disclosure of your personal information as outlined in this Privacy Policy and Consent.

Further Information
For further information about this Privacy Policy or our services, please contact:
‍
Sapphire Finance Brokerage Pty Ltd
Email: admin@sapphirefinance.com.au