Privacy Policy

homeloansrefinance.com.au is a lead-generation and information website operated by Tanuj Kapoor. Enquiries submitted through this website are handled by Tanuj Kapoor in his capacity as an authorised Credit Representative (557159) of BLSSA Pty Ltd ACN 117 651 760, Australian Credit Licence 391237 ("BLSSA", "we", "us", "our"). In handling your personal information, BLSSA Pty Ltd and Tanuj Kapoor are committed to complying with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

How and Why We Collect Your Personal Information

We collect personal information — such as your name, phone number, email address, property details, and loan/financial information — when you submit the Equity Snapshot form or otherwise contact us through homeloansrefinance.com.au. We collect this information so we can:

• Assess your enquiry and understand your refinancing goals
• Provide you with credit assistance and connect you with suitable lenders
• Contact you about your enquiry by phone, email, or SMS

Personal information may include sensitive information (including health information where relevant to a loan assessment) and any information you tell us about a vulnerability you may have.

Providing Your Personal Information to Others

To provide our services, we may need to share your personal information with:

• Lenders and other organisations that provide credit or related products or services to you, or to whom an application has been made
• Finance consultants, accountants, auditors, real estate agents involved in a property purchase, conveyancers, legal advisers, insurers, and mailing services
• Our associates, related entities, contractors, and our aggregator
• Industry bodies, tribunals, courts, or dispute resolution schemes (such as AFCA), where relevant to a complaint about our services
• Any person where we're required to by law
• Your referees (e.g. your employer), to verify information you've provided
• Any person considering acquiring an interest in our business
• Identity verification providers

Some of these organisations may be located overseas.

Your Rights

You can request access to the personal information we hold about you by contacting Tanuj Kapoor directly. You can also request a copy of this Privacy Policy, or the privacy policy of any credit reporting body that may access your information. If you believe any information we hold about you is inaccurate, incomplete, or out of date, you can ask us to correct it.

If You Don't Provide Your Information

If you choose not to provide the information we request, we may not be able to assess your enquiry or provide you with credit assistance.

Consent to Provide Your Information to a Credit Reporting Body (CRB)

By submitting your details, you authorise us to act as an access seeker (within the meaning of section 6L of the Privacy Act) to seek and obtain credit information about you, for the purpose of determining which loan product is most suitable for your circumstances.

Consent to Receive Marketing Information

By submitting your details, you consent to us periodically providing you with information about products and services relevant to refinancing, from us or from businesses we have a relationship with. Your consent is implied unless you tell us you don't wish to receive this information — you can opt out at any time by contacting us or using the unsubscribe option in any marketing message.

Consent to Receive Documents Electronically

You consent to us providing documents to you electronically. You confirm that paper documents may no longer be issued, and that you'll check your nominated electronic communications regularly. You can withdraw this consent at any time.

Consent to Being Recorded (Video or Audio)

If we communicate by video or audio conferencing to collect personal, financial, or credit information from you for the purpose of arranging credit or providing credit assistance, you consent to that call being recorded for this purpose.

How We Protect Your Information

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure, in line with our obligations as an authorised representative of BLSSA Pty Ltd.

Complaints About Your Privacy

If you have a concern about how your personal information has been handled, contact Tanuj Kapoor in the first instance on 0452 512 003 or tanuj@jabsonsfinance.com.au. If your concern isn't resolved, you can escalate it to BLSSA's Internal Complaints Officer, and ultimately to the Australian Financial Complaints Authority (AFCA) or the Office of the Australian Information Commissioner (OAIC), as appropriate.

Cookies and Website Analytics

homeloansrefinance.com.au may use cookies and analytics tools to understand how visitors use the site and to improve its content and performance. You can control or disable cookies through your browser settings; doing so may affect some site functionality.

Changes to This Policy

We may update this Privacy Policy from time to time. The current version will always be available on homeloansrefinance.com.au.