Privacy Policy

Prime Mortgage Group Ltd ACN 007 364 114
Australian Credit Licence (ACL) 235269 
(“we”, “us”, “our”)
Office: Level 6, South Tower, 459 Collins Street, Melbourne VIC 3000
Postal Address: PO Box 166, Collins Street West, Melbourne VIC 8007
Website: www.primemortgage.com.au  

1. Our Commitment to Privacy 

We are committed to protecting the privacy of our clients and complying with the Privacy  Act 1988 (Cth) and the Australian Privacy Principles (APPs). This Privacy Policy explains  how we collect, use, disclose, and protect your personal information when providing 
mortgage management and related financial services. 

2. What Personal Information We Collect 

We may collect the following types of personal information: 

  • Your name, address, contact details, and date of birth. 
  • Financial information such as income, expenses, assets, liabilities, and credit history. 
  • Identification details (e.g. driver’s licence, passport, Medicare card). 
  • Employment details and business information (if applicable). 
  • Information about your loan requirements, objectives, and preferences. 
  • Sensitive information (only with your consent) where required for lending or compliance  purposes. 

3. How We Collect Personal Information 

We may collect your information directly from you or through: 

  • Loan applications and supporting documents. 
  • Credit reporting agencies, including Equifax. 
  • Mortgage brokers, lenders, and referrers. 
  • Publicly available sources. 
  • Our website, digital platforms, or correspondence with us. 

4. Why We Collect and Use Personal Information 

We collect, hold, and use your personal information to: 

  • Assess and manage your loan applications. 
  • Provide mortgage management and related financial services. 
  • Meet our legal and regulatory obligations (including those imposed by ASIC, AFCA, and  credit legislation). 
  • Communicate with you about your loan and account. 
  • Conduct identity verification, credit checks, and fraud prevention. 
  • Improve our services and client experience. 

5. Disclosure of Personal Information 

We may share your information with third parties in relation to services we provide to you  or goods or services in which we reasonably consider you may be interested. Those third  parties may include: 

  • The mortgage aggregator through whom we may submit loan or lease applications to lenders or lessors on the mortgage aggregator’s panel; 
  • The Australian Credit Licence holder that authorises us to engage in credit activities; 
  • Referrers that referred your business to us; 
  • Financial services suppliers with whom we have arrangements; 
  • Valuation Firms; 
  • Lenders, lessors, lender’s mortgage insurers and other loan or lease intermediaries; 
  • Organisations, like fraud reporting agencies, that may identify, investigate and/or prevent fraud, suspected fraud, crimes, suspected crimes, or other misconduct; 
  • Government or regulatory bodies as required or authorised by law. In some 
    instances, these bodies may share the information with relevant foreign authorities; 
    • Guarantors and prospective guarantors of your loan or lease; 
    • Service providers, agents, contractors and advisers that assist us to conduct our business; 
    • Any organisation that wishes to take an interest in our business or assets; and 
    • Any third party to which you consent to us sharing your information. 

6. Overseas Disclosure 

Some of our service providers or credit assessment tools may be located overseas. Where  we disclose information outside Australia, we take reasonable steps to ensure those parties  comply with privacy protections comparable to the APPs. 

7. Security of Personal Information 

We take all reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. This includes secure  storage, restricted staff access, and technology safeguards. 

8. Access and Correction 

You have the right to request access to the personal information we hold about you and to  ask for corrections if you believe it is inaccurate, out of date, or incomplete. Requests can be  made in writing (see contact details below). 

9. Complaints 

You may exercise any of your rights in relation to your personal information by contacting  us. If you have a question or complaint about how your personal information is being  handled by the Columbus Capital Group, our affiliates or contracted service providers,  please contact us first on the following email: service@originmms.com.au. 

We will try to have your complaint resolved within 5 business days, but it may take longer  depending on the complaint. If this is the case, we will aim to resolve your complaint within  30 days. 

You can request further information about the way we manage the personal information  that we hold, or make a complaint, by contacting our: 

Privacy Officer 
Prime Mortgage Group Ltd 
Australian Credit Licence (ACL) 235269 
Email: info@primemortgage.com.au 
Phone: 03 9629 7888 
Address: L6, South Tower, 459 Collins Street, Melbourne VIC 3000 

If you are dissatisfied with the response of our Complaints Officer you may make a  complaint to our External Dispute Resolution Scheme: 

Australian Financial Complaints Authority Limited (AFCA) 
GPO Box 3 
Melbourne VIC 3001 
Telephone: 1800 931 678 
Email: info@afca.org.au 
Website: https://www.afca.org.au/ 

The Office of the Australian Information Commissioner 

Under the Privacy Laws you may also complain to the Office of the Australian Information  Commissioner (OAIC) about the way we handle your personal information. Please note the  OAIC requires that any complaint be first made to the respondent organisation, which is us.  The law also allows 30 days for the respondent organisation to deal with the complaint  before a person may make a complaint to the OAIC. 

The Commissioner can be contacted at: 

Office of the Australian Information Commissioner 
GPO Box 5218 
Sydney NSW 2001 
Phone: 1300 363 992 
Email: enquiries@oaic.gov.au 
Website: www.oaic.gov.au  

If you believe we have breached your privacy, you can contact us using the details below.  We will acknowledge and investigate your complaint promptly. If you are not satisfied with  our response, you may refer the matter to the Office of the Australian Information  Commissioner (OAIC) at www.oaic.gov.au. 

10. Updates to This Policy 

We may update this Privacy Policy from time to time to reflect changes in law or our  practices. The latest version will always be available on our website.