Privacy Policy

At Marathon Finance, we are committed to protecting your privacy and handling your personal information responsibly and in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy outlines how we collect, use, store, disclose and protect your personal information when providing mortgage broking and finance services.

What information do we collect and how do we use it?

When you engage Marathon Finance to assist with your lending and finance needs, we collect personal information that is necessary to assess your borrowing capacity, understand your financial circumstances, and provide appropriate finance and credit assistance.

The information we may collect includes:

• Personal identification details (such as your name, date of birth and contact information)
• Employment and income information
• Financial information, including assets, liabilities, expenses and banking details
• Credit-related information
• Business information (where applicable)
• Information required by lenders and financial institutions to assess finance applications

We use your information to:

• Assess your finance and lending requirements
• Recommend suitable lending products and services
• Prepare and submit loan applications on your behalf
• Communicate with lenders, aggregators and service providers involved in the loan process
• Manage our ongoing relationship with you
• Assist with future refinancing, loan reviews and related services
• Improve our products and services
• Comply with legal and regulatory obligations

We may also contact you regarding relevant finance updates, industry news, special offers, events or services that may be of interest to you. If you do not wish to receive these communications, you may opt out at any time by contacting us.

What if you do not provide information?

The information we request is generally necessary for us to provide mortgage broking services and accurately assess your borrowing options.

If you choose not to provide certain information, we may be unable to fully assess your financial situation, provide recommendations, submit loan applications, or assist you with obtaining finance.

How do we hold and protect your information?

Marathon Finance takes reasonable steps to ensure your personal information remains secure, accurate and up to date.

Your information may be stored:

• Electronically using secure cloud-based systems and software platforms
• On secure internal systems and servers
• In physical files where required

We use a range of security measures including:

• Secure password-protected systems
• Restricted staff access to personal information
• Encrypted communication where appropriate
• Secure document storage platforms
• Regular monitoring and updating of security procedures

We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by law and regulatory obligations.

Overseas disclosure of personal information

Some of the service providers we use may store or process information overseas for hosting, data storage, software support, analytics, security monitoring or system development purposes.

Where this occurs, Marathon Finance takes reasonable steps to ensure that those providers maintain appropriate privacy and security safeguards.

Your personal information may be stored or processed in countries including:

• United States
• Singapore
• Philippines
• Serbia

While we take reasonable steps to protect your information, overseas recipients may not always be subject to privacy obligations equivalent to those under Australian law.

Will we disclose your information to anyone?

Marathon Finance does not sell, rent or trade your personal information.

We may disclose your information to:

• Lenders and credit providers
• Mortgage aggregators and compliance service providers
• Credit reporting bodies
• Valuers, solicitors and settlement agents
• Technology and software providers
• Professional advisers, auditors and legal representatives
• Regulatory authorities where required by law

Any third parties receiving your information are expected to handle it in accordance with applicable privacy obligations.

Accessing and correcting your personal information

You may request access to the personal information we hold about you and request corrections if you believe the information is inaccurate, incomplete or out of date.

To request access or correction, please contact us using the details below.

We do not charge a fee for requesting access to or correction of your personal information. In most circumstances, we also do not charge for providing access to personal information.

Your consent

By engaging Marathon Finance and providing your personal information, you consent to the collection, use, storage and disclosure of your information for the purposes outlined in this Privacy Policy.

Data Breaches

Marathon Finance takes data security seriously and will respond promptly to any actual or suspected data breach.

In the event of a breach, we will follow the guidance provided by the Office of the Australian Information Commissioner (OAIC), including:

• Step 1: Contain the breach and conduct a preliminary assessment
• Step 2: Evaluate the risks associated with the breach
• Step 3: Notify affected individuals and relevant authorities where required
• Step 4: Take steps to prevent future breaches

Further information regarding data breach management can be found on the Office of the Australian Information Commissioner website.

Questions, concerns or complaints

If you have any questions about this Privacy Policy, would like to access or update your personal information, or wish to make a privacy complaint, please contact us:

Changes to this Privacy Policy

Marathon Finance may update this Privacy Policy from time to time to reflect changes in legislation, technology, business operations or industry practices. The most current version will always be available through our website.