Privacy Policy

What Information We Collect

What If We Finance refers to WIW Finance Pty Ltd ACN 131708677 and Australian Credit Licence 389609.

Last Updated: April 2026

What If We Finance complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. We are committed to protecting your personal information and handling it responsibly.

We collect personal information that helps us provide financial services, including:

Identification details – Name, date of birth, and contact information.
Financial details – Income, expenses, assets, liabilities, and banking details.
Employment information – Job details and work history.
Credit history – Credit scores and reports from credit agencies.
Government identifiers – Such as a driver’s licence or passport, only when required by law.
We may also collect technical information such as IP address, browser type and website usage data.
We may collect and hold credit-related information such as credit reports, repayment history and credit scores. This information may be obtained from Equifax, illion and Experian and is used to assess your eligibility for credit.

We collect information directly from you via meetings, phone, email and website forms, as well as through secure document portals.

We may also collect information from third parties including lenders, credit reporting bodies, accountants and solicitors.

We collect your information to provide mortgage broking services, assess borrowing capacity, recommend suitable loan products, submit applications, communicate with lenders and comply with legal obligations.

How We Use & Share Your Information

How We Protect Your Information

We take industry-leading security measures to safeguard your data:

Encryption – We use AES-256 encryption for data storage and TLS 1.2+ encryption for data transmission.
Two-Factor Authentication (2FA) – Required for accessing sensitive customer records.
Access Controls – Only authorised employees can access personal information based on job roles.
Real-Time Monitoring – We use advanced security systems to detect and prevent cyber threats.

We only share your personal information where necessary and with trusted third parties, including:

Lenders and financial institutions – to assess and process your loan application
Our aggregator, Australian Finance Group Ltd – to facilitate loan processing and compliance requirements
Credit reporting bodies – to obtain and verify credit-related information
Professional advisers – including accountants, legal and compliance advisers where required
Service providers and technology platforms – including CRM systems such as HubSpot, secure document storage providers and meeting transcription tools
IT and cloud storage providers – for secure data hosting and system functionality
Government and regulatory bodies – where required by law

We do not sell your personal information to third parties.

Some service providers may store or process your information overseas. Where this occurs, we take reasonable steps to ensure your personal information is handled in accordance with Australian privacy laws.

Cookies and Analytics

Our website uses cookies and analytics tools to:

understand user behaviour
improve website functionality
support marketing and remarketing activities

This may include tools such as Google Analytics.

You can disable cookies through your browser settings, however this may affect website functionality.

This may include tools such as Google Analytics and remarketing technologies.

Credit Reporting Information

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

Equifax Australia
illion Australia
Experian Australia

This information is used to assess your creditworthiness and support your loan application.

You may request access to your credit information or request corrections by contacting the relevant credit reporting body directly.

Your Rights & Access to Your Information

You have the right to:

Access the personal information we hold.
Request corrections if your details are incorrect.
Opt out of marketing communications at any time.
Request deletion of your data (unless required by law to retain it).

For requests, contact us at: info@melbournemortgage.com.au or call 03 8804 1354.

Marketing Preferences & Opt-Out

To opt-out of marketing emails, click “Unsubscribe” in any email, email us at info@melbournemortgage.com.au, or call 03 8804 1354.

Data Breaches & Complaints

In the event of a security breach, we will:

Investigate and contain the breach immediately.
Notify affected individuals if required by law.
Report serious breaches to the Office of the Australian Information Commissioner (OAIC).

Updates to This Privacy Policy

We regularly update this policy to reflect changes in law, technology, and best practices. Last updated: 21 April 2026.

Frequently Asked Questions (FAQs)

How do I update my personal information? Contact us at info@melbournemortgage.com.au or call 03 8804 1354.
Can I delete my data? Yes, unless legal obligations require us to retain it.
Where is my data stored? In secure, encrypted cloud storage, with strict access controls.
What happens if there is a data breach? We investigate immediately, notify affected customers, and take corrective action.

Version History

Version 1.1 – April 2026: Full policy review & security updates.

Version 1.0 – February 2025: Full policy review & security updates.

Version 0.9 – October 2022: Initial privacy policy release.