Privacy Policy

Perfetto Finance Pty Ltd

Last updated: October 2026

Perfetto Finance Pty Ltd (“Perfetto Finance”, “we”, “us” or “our”) respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, hold and disclose personal information when you interact with us, use our website, submit an enquiry, or engage us for finance and mortgage broking services.

We handle personal information in accordance with applicable Australian privacy laws, including the Privacy Act 1988 (Cth) and, where applicable, the Australian Privacy Principles (APPs).

1. Information we may collect

Depending on the services you request, we may collect information such as:

  • Your name, date of birth and contact details

  • Residential and previous addresses

  • Identification information

  • Employment and income information

  • Assets, liabilities and expenses

  • Bank account and transaction information

  • Details of existing loans and credit facilities

  • Property and proposed property purchase information

  • Credit history and credit-related information

  • Information contained in supporting documents you provide

  • Information you provide through our website, advertising forms, email, telephone or other communications

We only seek to collect information reasonably necessary to provide our services, comply with legal obligations or conduct our business.

2. How we collect your information

We may collect personal information directly from you when you:

  • Complete an online enquiry or lead form

  • Contact us by telephone, email or social media

  • Book a consultation

  • Apply for or enquire about finance

  • Provide documents or information to us

  • Interact with our website or advertisements

With your consent or where otherwise permitted by law, we may also obtain information from third parties such as lenders, credit reporting bodies, our aggregator or licensee, service providers, government agencies and other parties involved in your finance application.

3. Why we collect your information

We may collect, use and disclose your personal information to:

  • Respond to your enquiries

  • Assess your finance needs and objectives

  • Provide mortgage and finance broking services

  • Assess potential finance options

  • Prepare and submit finance applications

  • Communicate with lenders and other relevant parties

  • Manage our relationship with you

  • Meet legal, regulatory and compliance obligations

  • Improve our services and website

  • Conduct administrative and business activities

  • Send relevant information or marketing communications where permitted by law

You can ask us to stop sending marketing communications at any time.

4. Credit information

When providing credit assistance, we may collect and handle credit-related information.

This may include information about your existing credit arrangements, repayment history, credit applications, defaults and information obtained from credit reporting bodies.

Where required, we will obtain your consent before accessing or exchanging credit information.

Additional privacy notices, consents or disclosures may apply when you engage us for credit assistance.

5. Disclosure of your information

Where reasonably necessary to provide our services or permitted by law, we may disclose your personal information to third parties including:

  • Banks, lenders and other credit providers

  • Our aggregator, Australian Credit Licence holder or authorised representatives

  • Credit reporting bodies

  • Mortgage insurers

  • Valuers

  • Solicitors and conveyancers

  • Accountants and other professional advisers

  • Government or regulatory authorities

  • Technology, CRM, document-management and cloud service providers

  • Other service providers involved in processing or administering your finance application

We do not sell your personal information.

6. Website, advertising and analytics

When you visit our website or interact with our digital advertising, certain technical information may be collected automatically.

This can include information such as your device type, browser, IP address, pages visited and interactions with our website.

We may use technologies and services such as cookies, website analytics and advertising pixels to understand website usage, measure advertising performance and improve our marketing.

Our advertising may be delivered through third-party platforms such as Meta. Information submitted through a third-party platform may also be handled in accordance with that platform’s own privacy practices.

7. Marketing

Where permitted by law, we may use your contact information to provide information about products, services or opportunities that may be relevant to you.

You may opt out of marketing communications at any time by using an unsubscribe facility where provided or by contacting us directly.

Opting out of marketing will not prevent us from contacting you where necessary to provide services you have requested.

8. Storage and security

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification and disclosure.

Information may be stored electronically using secure systems and third-party technology providers.

No method of electronic storage or transmission is completely secure, but we take reasonable measures appropriate to the nature of the information we hold.

9. Overseas disclosure

Some of the technology or service providers we use may store or process information outside Australia.

Where personal information is disclosed overseas, we will handle such disclosures in accordance with applicable Australian privacy requirements.

Important: Check this section against your actual software providers and your aggregator/licensee’s required wording. If you know which countries information may be disclosed to, your compliance documentation may require you to identify them.

10. Accessing or correcting your information

You may request access to personal information we hold about you or ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading.

To make a request, contact us using the details below.

We may need to verify your identity before processing your request.

11. Privacy complaints

If you have a concern or complaint about how we have handled your personal information, please contact us using the details below.

We will review your complaint and respond in accordance with our applicable legal and regulatory obligations.

If you are not satisfied with our response, you may have the right to make a complaint to the Office of the Australian Information Commissioner (OAIC).

12. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our practices, services or legal obligations.

The latest version will be published on our website.

13. Contact us

For questions, access or correction requests, or privacy complaints, contact:

Perfetto Finance Pty Ltd

Michael Perfetto – Director | Mortgage Broker

Email: michael@perfettofinance.com.au

Website: perfettofinance.com.au

Phone: 0431 557 427