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Privacy Policy

Kingstone Developments Pty Ltd trading as Kingstone Mortgages (referred to as “we”, “us” or “our”) is committed to protecting your privacy and handling your personal information responsibly and in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), the Privacy (Credit Reporting) Code, and other applicable laws.

As a boutique, independent mortgage brokerage operating under the name Kingstone Mortgages in Melbourne, we assist clients in securing home loans, refinancing, investment financing, and related services through our diverse lender panel.
 

1. What personal information do we collect?

We collect personal information necessary to provide mortgage broking and credit-related services, including:

  • Identification and contact details (e.g., full name, residential address, date of birth, phone, email).

  • Financial and employment details (e.g., income, expenses, assets, liabilities, employer, payslips, bank statements).

  • Credit-related information (e.g., credit history, credit scores, defaults, enquiries from credit reporting bodies).

  • Identification documents (e.g., passport, driver’s licence, Medicare card).

  • Sensitive information (where required and with your consent, e.g., financial hardship details).

  • Property and loan details relevant to your application.

We collect this directly from you (via forms, consultations, emails, calls, or our website) or from third parties you authorise (e.g., credit reporting bodies, your accountant, employer, or previous lenders).

 

2. How do we collect personal information?

We collect information fairly and lawfully, primarily when you:

  • Enquire about or apply for mortgage/finance services.

  • Submit documents or details during the process.

  • Contact us or interact with our website.

We may also collect from public sources or third parties where permitted by law.

 

3. Why do we collect, hold, use and disclose your personal information?

We use your information primarily to:

  • Assess and process mortgage/credit applications.

  • Provide broking services, including comparing options from our lender panel (spanning major banks like the Big Four to specialist non-bank and low doc lenders).

  • Communicate updates, offers, approvals, and ongoing support.

  • Comply with legal and regulatory obligations (e.g., AML/CTF laws, credit reporting rules).

  • Prevent fraud, manage risks, and improve our services.

  • Send marketing communications (only with your consent where required).

We disclose information to:

  • Lenders on our panel for quotes, assessments, and approvals.

  • Credit reporting bodies (for checks and reporting credit defaults if applicable).

  • Service providers (e.g., valuers, conveyancers, IT/cloud providers).

  • Regulators (e.g., ASIC, AUSTRAC) when required by law.

  • Your authorised representatives (e.g., solicitor, accountant).

We do not sell your personal information to third parties.

 

4. Credit reporting information

As a mortgage broker involved in credit applications, we handle credit information and credit eligibility information under Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code. This includes obtaining credit reports to assess suitability and disclosing certain credit defaults or serious infringements to credit reporting bodies where required.

You have specific rights regarding your credit information, including access, correction, complaints, and opting out of direct marketing. For more information, visit the Office of the Australian Information Commissioner (OAIC) website.

 

5. How we hold and secure your personal information

We store information securely using technical, physical, and organisational safeguards to protect against misuse, loss, unauthorised access, modification, or disclosure.

Data may be held electronically (e.g., secure Australian or overseas cloud services with equivalent privacy protections) or in paper form. We retain it only as long as necessary for the purposes outlined or as required by law (typically 7 years for financial records).

 

6. Access and correction

You may request access to or correction of your personal information (subject to exceptions under the Privacy Act).

To make a request:

We aim to respond within 30 days. A reasonable fee may apply for access requests if extensive effort is required. If we refuse a request, we will provide reasons and explain your options.

 

7. Complaints

If you believe we have breached privacy laws or this policy, please contact us first:

We will investigate and respond within 30 days.
 

If your complaint remains unresolved or you are not satisfied with our response, you may escalate it to our external dispute resolution provider:
 

Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Phone: 1800 931 678 (free call within Australia)
Email: info@afca.org.au
Online: Make a complaint via the AFCA portal at my.afca.org.au

AFCA provides fair, free, and independent resolution for complaints about financial services, including those from mortgage brokers.

 

8. Overseas disclosure

Some of our service providers (e.g., cloud storage, IT support) may be located overseas. We take reasonable steps to ensure they handle your information in accordance with Australian privacy laws or equivalent standards.

 

9. Changes to this policy

We may update this Privacy Policy from time to time. The current version is available at kingstonemortgages.com.au/privacy-policy. Your continued use of our services after any changes constitutes acceptance of the updated policy.

 

10. Contact us

Kingstone Developments Pty Ltd ABN: 53 166 507 286
Trading as: Kingstone Mortgages ACL/ACR: TBC
828 Whitehorse Road, Box Hill VIC 3126
Email: wing@kingstonemortgages.com.au
Phone: +61 480 366 486
 

Your privacy is important to us. Thank you for choosing Kingstone Mortgages.

 

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