Privacy Policy

1. Our Commitment to Your Privacy

Gravity Financial Pty Ltd (“we”, “our”, “us”) is committed to safeguarding personal and sensitive financial information entrusted to us by our clients. This Privacy Policy sets out how we collect, store, utilize, and protect your personal information in accordance with the Privacy Act 1988 (Cth) and Australian Privacy Principles (APPs).

2. Information We Collect

To assess your borrowing power and lodge loan applications with lenders, we collect information including:

• Full identity details (name, date of birth, driver licence, passport, address history).
• Financial records (PAYG payslips, tax returns, bank statements, asset/liability schedules).
• Credit history and living expenses (under the Household Expenditure Measure - HEM).
• Employment verification and property transaction details.

3. How We Use and Disclose Your Information

Your personal information is used exclusively to evaluate credit options, prepare loan proposals, and submit formal finance applications to lenders on our panel. We disclose information only to:

• Accredited banks and non-bank lending institutions evaluating your credit.
• Solicitors, conveyancers, and valuation firms involved in property settlement.
• Government bodies where required by statutory compliance or anti-money laundering (AML/CTF) legislation.

We never sell or rent your personal contact information to third-party marketing brokers.

4. Data Security & Encryption

All customer documentation is stored in SOC-2 compliant, bank-grade encrypted Australian data centers. We maintain physical, electronic, and procedural safeguards to prevent unauthorized access or disclosure.

5. Access and Contact

You have the right to access and request corrections to your personal information. Contact our Privacy Officer at admin@gravityfinancial.com.au.