Privacy Policy
Your privacy is important to us. This policy explains how ReFinancey collects, uses, and protects your personal information when you use our refinancing comparison service.
Last Updated: April 10, 2026
Introduction
ReFinancey ("we," "our," or "us") operates as a refinancing comparison and referral service, helping consumers find better loan rates by switching from their current lender to a new bank. This Privacy Policy describes how we collect, use, disclose, and protect your personal information when you use our website and services. By using our services, you consent to the practices described in this policy.
What is Refinancing? Refinancing is the process of moving an existing loan to a new lender (bank) to get a lower interest rate or better loan terms. The new bank pays off your old loan, and you start a new, more affordable agreement.
We are committed to complying with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) and all applicable privacy laws and regulations.
Information We Collect
Personal Information
When you use our refinancing comparison service, we collect information you provide directly, including: full name, email address, phone number, residential address, employment details, income information, and your refinancing preferences and goals.
Current Loan Information
To help you compare rates and calculate savings, we collect your current loan details: current lender (bank), current interest rate, remaining loan balance, property/asset value, loan type (home, personal, business, vehicle), and your refinancing goal (lower rate, debt consolidation, better terms, etc.).
Financial Assessment Data
To match you with suitable lenders and brokers, we collect: credit history status, monthly liabilities, employment type, annual income, and employer name. This helps us identify refinancing options available for your financial situation.
Technical Information
We automatically collect: IP address, browser type, device information, pages visited, time spent on pages, and referral sources.
How We Use Your Information
Refinancing Comparison & Referral
Your current loan details and financial information are used to match you with licensed brokers and lenders who can offer you better refinancing deals. We share relevant information to help them assess your refinancing eligibility and potential savings.
Savings Calculation
We use your current interest rate and loan balance to estimate potential monthly savings from refinancing. These calculations are for comparison purposes only and actual savings will depend on the new rate and terms you negotiate.
Communication
We use your contact information to send you rate comparison results, broker matches, refinancing updates, and service-related communications. With your consent, we may also send promotional materials about refinancing offers and services.
Service Improvement
We analyze usage patterns and feedback to improve our platform, develop new refinancing comparison tools, and enhance user experience.
Information Sharing
Partner Brokers & Lenders
We share your refinancing information with licensed loan brokers and lenders in our network who can help you switch to a better rate. This includes your current loan details, credit history, income, and refinancing goals. These partners are bound by privacy obligations and professional standards.
Debt Consolidation Providers
If your refinancing goal is debt consolidation, we may share relevant information with brokers who specialize in consolidating multiple loans into a single, more manageable facility.
Service Providers
We may share information with third-party service providers who assist us in operating our platform, including: Google Places API for address autocomplete, Firebase for phone verification, email delivery services, analytics providers, and customer support tools.
Legal Requirements
We may disclose information when required by law, court order, or government regulation, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
Data Security
Encryption
All data transmitted to and from our platform is encrypted using industry-standard SSL/TLS encryption. We use secure protocols to protect your information during transmission.
Access Controls
We implement strict access controls to ensure that only authorized personnel can access your personal information. All access is logged and monitored.
Data Storage
Your data is stored on secure servers with multiple layers of protection including firewalls, intrusion detection systems, and regular security audits.
Your Rights
Access and Correction
You have the right to access the personal information we hold about you and request corrections if any information is inaccurate or incomplete.
Deletion
You may request deletion of your personal information, subject to our legal obligations to retain certain records. We will delete your data within 30 days of a valid request.
Opt-Out
You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails or contacting us directly. This will not affect service-related communications.
Data Retention
Active Records
We retain your personal information for as long as necessary to provide our services and fulfill the purposes described in this policy.
Legal Requirements
We may retain certain information for longer periods as required by law, including for tax, legal, and regulatory compliance purposes.
Anonymized Data
We may retain anonymized or aggregated data indefinitely for analytical purposes, but this data cannot be used to identify you personally.
Contact Us
Privacy Inquiries
For any questions or concerns about this Privacy Policy or our data practices, please contact our Privacy Officer at hello@refinancey.com.au
Complaints
If you are not satisfied with our response to your privacy concern, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au
Policy Updates
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website with a new effective date.
Continued Use
Your continued use of our services after any changes to this Privacy Policy constitutes your acceptance of the updated terms.
Australian Privacy Principles Compliance
ReFinancey is committed to handling your personal information in accordance with the Australian Privacy Principles (APPs) set out in the Privacy Act 1988 (Cth). We only collect personal information that is reasonably necessary for our functions and activities. We take reasonable steps to ensure that the personal information we collect, use, and disclose is accurate, up-to-date, complete, and relevant.