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Privacy Policy

What personal information we handle, why, and the choices you have. Written to the Australian Privacy Principles.

Absolute Financial Services (a trading name of Marcoo Pty Ltd) respects your privacy. This policy explains, in plain terms, how personal information reaches us through this website and what we do with it.

The short version

This website itself collects nothing. It has no analytics, no advertising, no tracking and no forms that send data to a server. The only personal information we receive is what you deliberately send us — by email, over the phone, or in person.

What we collect and why

  • Enquiries. When you use the enquiry form, your browser opens your own email program with your details prepared. When you press send there, we receive your name, contact details and the content of your message — to answer your enquiry and prepare an application if you proceed. If you don't press send, we never receive anything.
  • Phone calls. When you call, we take the details needed to assess your enquiry and, if you proceed, to prepare and lodge an application with a lender.
  • Applications. If you become a client, we collect the information lenders require to assess finance — identity, employment, income, assets, liabilities and credit history — and disclose it to the lender(s) you choose. We will tell you, before or when we collect it, what is needed and who it goes to.
  • Insurance. If you take insurance through us, similar information is collected and disclosed to the insurer, and handled under that insurer's own privacy policy as well as ours.

Who we disclose it to

Only as needed to do what you asked: the lender(s) considering your application, insurers where you take cover, and professional parties involved in a transaction (for example, valuers or conveyancers) where it is required. We do not sell personal information, and we do not send marketing material unless you ask us to.

What this website stores in your browser

The site keeps two things in your browser's local storage — a flag noting that you have dismissed the cookies notice, and drafts of any form you started filling in. Both stay on your device, are never transmitted to us, and are described fully on the Cookies page, including how to clear them.

Security and retention

Personal information we receive is kept securely and only as long as the purpose requires — the length of an enquiry, or the period the law and the lenders' record-keeping rules require for applications. When it is no longer needed it is destroyed or de-identified.

Your choices

You may ask what personal information we hold about you, ask for a copy, ask us to correct it, or ask us not to use it. Write to admin@afsloans.com.au, call 1300 556 246, or write to Absolute Financial Services, PO Box 582, Maryborough Q 4650, and we will respond within a reasonable period.

Complaints

If you have a privacy concern, raise it with us first and we will take it seriously. If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (oaic.gov.au, 1300 363 992).

Changes

If this policy changes, the new version will be published on this page.