Privacy Policy, T&Cs.

Last updated: 31/10/2025
ECM Financial Group Pty Ltd (ACN 689 844 031 and our related entities (“ECM Financial Group Pty Ltd”, ECM Financial Group, ECM, ECMFG, ECMortgages, “we”, “us”, “our”) are committed to protecting your privacy. This policy explains how we collect, use, hold and disclose your personal and credit-related information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and the Privacy (Credit Reporting) Code 2014.

1. Our Commitment to Your Privacy

We recognise that any personal information we collect about you will only be used for the purposes for which it was collected or as permitted by law. We take all reasonable steps to ensure your information is protected and handled securely.

2. What Personal Information We Collect

“Personal information” means information or an opinion about you from which your identity is reasonably apparent. This may include:

  • Your name, date of birth, address, occupation and contact details

  • Account and financial details

  • Information used to identify you

If you are applying for finance or acting as a guarantor, we may also collect:

  • Employment details, proof of income and expenses

  • Number and ages of dependants

  • Residential history

  • Credit-related information (see below)

  • Health or insurance-related information (with your consent only)

3. Credit-Related Information

We may collect and exchange credit-related information, including:

  • Credit history, repayment history and hardship information

  • Default and payment information

  • Details of credit applications, types and limits

  • Court or insolvency information

  • Credit eligibility information received from credit reporting bodies

We use this information to assess applications for finance, manage existing finance, and meet legal obligations.

4. Why We Collect Your Information

We collect personal and credit-related information to:

  • Assess and manage finance applications

  • Verify your identity

  • Communicate with you and manage our relationship

  • Comply with regulatory obligations

  • Conduct risk management

  • Offer related products and services (you may opt out at any time)

5. How We Collect Information

Where possible, we collect information directly from you. We may also collect information from:

  • Credit reporting bodies

  • Brokers, employers, accountants, or legal representatives

  • Publicly available sources (e.g. social media, public registers)

  • Other service providers or agents assisting us

6. Disclosure of Personal Information

We may disclose your personal or credit-related information to:

  • Prospective external or internal funders, lenders, or intermediaries

  • Organisations that assist in managing your finance (e.g. IT, printing, postal, or call centre providers)

  • Associated businesses offering related services

  • Auditors, insurers, reinsurers, and claims investigators

  • Your representatives (e.g. brokers, solicitors, accountants)

  • Credit reporting bodies (such as Equifax Pty Ltd, www.equifax.com.au, 13 83 32)

  • Law enforcement or government agencies, as required by law

  • Overseas entities providing technology or support services

Before disclosing any information, we take reasonable steps to ensure the recipient has a privacy standard comparable to ours or that you have consented to the disclosure.

7. Overseas Disclosure

Your information may be stored electronically (including via cloud services) or in paper form. Some systems or service providers may be located outside Australia. While we select reputable providers, overseas entities may not be subject to the same privacy laws, and we cannot guarantee the same level of protection. By consenting to our use of offshore storage or processing, you acknowledge these limitations.

8. Direct Marketing

We may use your personal information to inform you of finance products, services, or offers that may interest you.
You may opt out at any time by:

  • Calling, or

  • emailing enquire@ecmfg.au
    You can also unsubscribe directly from marketing emails.

9. Accessing and Correcting Your Information

You may request access to, or correction of, your personal or credit-related information at any time.
Requests can be made by calling emailing enquire@ecmfg.au.
We will acknowledge requests within 7 days and usually respond within 30 days.
We may charge a reasonable fee to retrieve and supply information.

If we deny access or refuse to correct your information, we will provide written reasons.

10. Keeping Information Accurate and Secure

We take reasonable steps to:

  • Keep your information accurate, complete and up-to-date

  • Protect it from misuse, loss, unauthorised access or disclosure

Information may be stored in secure electronic systems and protected physical facilities. We rely on you to keep us informed of any changes to your details.

11. Doing Business Without Identifying You

Where lawful and practical, you may interact with us anonymously (for example, for general enquiries).

12. Sensitive Information

We will only collect sensitive information (e.g. health, racial, or criminal history) with your explicit consent or as required by law.

13. Complaints and Contact Details

If you are not satisfied with how we have handled your personal information, please contact:

Compliance Officer
ECM Financial Group Pty Ltd
Email: enquire@ecmfg.au

We will acknowledge your complaint within 7 days and aim to resolve it within 30 days.
If you are not satisfied, you can contact:

  • Australian Financial Complaints Authority (AFCA)
    Phone: 1800 931 678
    Email: info@afca.org.au
    Mail: GPO Box 3, Melbourne VIC 3001

or

  • Office of the Australian Information Commissioner (OAIC)
    Website: www.oaic.gov.au
    Phone: 1300 363 992

14. Changes to This Policy

We may update this Privacy and Credit Reporting Policy from time to time, and we reserve all rights to any updates will be published on our website. You may also request a copy in an alternative format.