Privacy Policy

Nivo Mortgage is a trading name of Nivo Group Pty Ltd (ABN 37 701 981 151).

We respect your privacy and are committed to protecting the personal information entrusted to us.

This Privacy Policy explains how we collect, hold, use and disclose personal information when you visit our website, contact us, make an enquiry or engage with our mortgage and finance services.

We handle personal information in accordance with applicable Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles, where applicable.

Depending on your interactions with us, we may collect:

• Your name, telephone number and email address.
• Your preferred contact time.
• The type of finance you are enquiring about.
• Information you provide in website enquiry forms, emails or other communications.
• Information relevant to your financial circumstances, lending requirements and objectives when you proceed with a finance enquiry.
• Website usage and technical information, where collected through cookies, analytics or similar technologies.

Where you proceed with credit assistance, additional personal and financial information may be collected as part of the client onboarding and application process.

Please do not submit identity documents, bank statements, tax returns or other detailed financial records through our general website enquiry form.

We may collect personal information when you:

• Submit an enquiry or request a callback through our website.
• Contact us by telephone or email.
• Request or book a consultation.
• Engage us to assist with mortgage or finance enquiries.
• Provide information during the client onboarding process.
• Interact with website technologies that collect usage information.

We generally collect information directly from you. Where appropriate and permitted, we may also obtain information from other parties involved in your finance enquiry or application.

We collect and use personal information to:

• Respond to enquiries and communicate with prospective clients.
• Understand your lending requirements and objectives.
• Arrange consultations and follow-up communications.
• Provide mortgage and finance broking services.
• Assist with finance applications and related processes.
• Maintain business records and manage client relationships.
• Meet applicable legal, regulatory and compliance obligations.
• Maintain and improve our website, systems and services.
• Protect our business systems against misuse, fraud and unauthorised access.

We may also use your information for marketing communications where permitted by law and consistent with your communication preferences.

When you submit an enquiry through the Nivo Mortgage website:

1. Your enquiry information is stored in our website database using Lovable Cloud.
2. Email notifications are sent using Lovable's managed email service to joe@nivomortgage.com.au.
3. Authorised Nivo Mortgage personnel review the enquiry and contact you as appropriate.
4. Where the enquiry progresses, relevant information is manually entered into the iOUTSOURCE client relationship management system.

Website enquiry records are accessible through the website administration system only to authorised administrators.

Formal Credit Guides and Privacy Consents are issued through iOUTSOURCE during client onboarding.

The website enquiry form does not replace the formal credit assistance documentation or consent procedures.

Where reasonably necessary for our business activities, we may disclose personal information to:

• OUTSOURCE FINANCIAL PTY. LTD., our Australian Credit Licensee.
• Lenders, mortgage managers and other finance providers relevant to your enquiry or application.
• Credit reporting bodies, where permitted by law and subject to applicable consent and notification requirements.
• Website hosting, cloud storage, email, booking and technology service providers.
• Professional advisers, auditors and compliance service providers where appropriate.
• Government agencies, regulators and other parties where required or authorised by law.

We disclose personal information only where reasonably necessary for the relevant purpose or otherwise permitted or required by law.

We do not sell personal information to third parties.

We do not automatically share mortgage enquiry information with other Nivo Group business activities for unrelated marketing purposes.

Our website may use cookies and similar technologies to support website functionality, security and performance.

Our website uses technologies including Google Fonts and website error reporting services to support its appearance, operation, security and reliability. These services may process technical information about your device or interactions with the website. We may update this policy if additional analytics, advertising or tracking technologies are introduced.

You can manage certain cookies through your browser settings.

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification and disclosure.

Information submitted through our website enquiry forms is stored using Lovable Cloud and delivered to our business email system hosted through Porkbun.

Access to website enquiries is restricted to authorised administrators.

Where an enquiry progresses to credit assistance, relevant information is also recorded in the iOUTSOURCE client management system.

We use administrative, technical and organisational safeguards appropriate to the nature of the information, including access controls and restricted administrative permissions.

We take reasonable steps to protect information held by our service providers, having regard to the services and arrangements involved.

No method of electronic transmission or storage can be guaranteed to be completely secure.

Some of our website, email, cloud hosting and technology service providers may store, process or access personal information outside Australia.

Our website enquiry database uses Lovable Cloud, with the database connection indicating hosting in Singapore.

Lovable's managed email service is used to deliver enquiry notifications. Other processing locations, including backup locations, have not been independently verified.

Where personal information is disclosed to overseas recipients, Nivo Mortgage will comply with applicable Australian privacy law requirements, including taking reasonable steps where required in relation to overseas recipients.

We will review and update this information as further details of our service providers' processing arrangements become available.

You may request access to personal information we hold about you or ask us to correct information that is inaccurate, incomplete, out of date or misleading.

Please contact Nivo Mortgage using the details in Section 15.

We will respond to requests in accordance with applicable privacy laws.

In some circumstances, access may be limited or refused where permitted by law. Where required, we will explain the reasons.

We may send you information about Nivo Mortgage services, finance insights and relevant updates where permitted by law.

Our website provides a separate, optional marketing consent checkbox.

Choosing not to receive marketing communications will not prevent us from responding to your enquiry or communicating with you about services you have requested.

You may opt out of marketing communications at any time by contacting us or using an unsubscribe facility where provided.

We retain personal information for as long as reasonably necessary for the purposes for which it was collected, including applicable legal, regulatory and recordkeeping obligations.

Information may be held in our website database, business email systems and client management platforms.

When information is no longer required, we take reasonable steps to securely destroy or de-identify it where permitted by law.

If you have a concern about how Nivo Mortgage has collected, used, disclosed or managed your personal information, please contact us using the details below.

We will review your complaint and respond in accordance with applicable privacy laws.

If you are dissatisfied with our response, or your complaint is not resolved within the applicable timeframe, you may be entitled to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

Office of the Australian Information Commissioner

Website: https://www.oaic.gov.au Telephone: 1300 363 992

Complaints concerning mortgage and credit services may also be addressed through our separate Complaints & Dispute Resolution process.

We may update this Privacy Policy from time to time to reflect changes to our business operations, technology, services or legal obligations.

The current version will be available on our website.

Nivo Mortgage Nivo Group Pty Ltd ABN 37 701 981 151

Email: joe@nivomortgage.com.au

Website: https://nivomortgage.com.au