Privacy Policy

Four Pillars Finance & Mortgages
ABN: 20 646 853 312 | Australian Credit Representative (ACR) 541652

We are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This Privacy Policy explains how we collect, use, store, and disclose your personal information.

What information we collect and why
When assisting with your finance needs, we may collect personal information including:

  • Name, contact details, and date of birth.

  • Financial and employment information.

  • Details about your loan requirements and objectives.

  • Credit history and identification documents.

We use this information to:

  • Assess your borrowing capacity.

  • Arrange finance applications with lenders on your behalf.

  • Manage our ongoing relationship with you (e.g. refinancing, reviews, invoicing, compliance).

  • Provide updates, surveys, or information relevant to finance unless you opt out.

What happens if you don’t provide your information
If you do not provide complete and accurate information, we may not be able to properly assess your situation or assist with arranging finance.

How we hold and protect your information
We take reasonable steps to ensure your personal information is accurate, complete, and up to date. Your information may be stored in both electronic and paper form, including through secure cloud-based systems.

We implement security measures to protect your information from misuse, loss, unauthorised access, modification, or disclosure.

Disclosure of information
We do not sell, trade, or rent your personal information. We may disclose your information to:

  • Lenders and their representatives to process applications.

  • Our professional advisors, contractors, or service providers who support our business operations.

  • Government, regulatory bodies, or as required by law.

  • In limited cases, overseas organisations (e.g. where cloud storage is used), subject to appropriate privacy and security safeguards.

Accessing and correcting your information
You may request access to the personal information we hold about you. We will provide access unless an exception applies under the Privacy Act.

If you believe the information we hold is inaccurate, incomplete, or out of date, you may request a correction.

To make a request, please contact:
Privacy Officer
Four Pillars Finance & Mortgages
Email: mamata@fpfm.com.au
Phone: 0421 986 732
Address: 28 Paprika Way, Tarneit VIC 3029

Data breaches
In the event of a data breach, we will respond in line with the Office of the Australian Information Commissioner (OAIC) guidelines:

  • Contain the breach.

  • Assess risks.

  • Notify affected parties if required.

  • Take steps to prevent future breaches.

Your consent
By engaging Four Pillars Finance & Mortgages to assist with your finance needs, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy.

Feedback or complaints
If you have questions or concerns about how we handle your information, please contact our Privacy Officer. If you are not satisfied with our response, you may lodge a complaint with the OAIC (www.oaic.gov.au).