1. Introduction
Welcome to MXJ Finance. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website (mxjfinance.com.au) or use our mortgage broking and finance services.
MXJ Finance is operated by Michael Jin, Credit Representative Number 504501, under Finsure Finance and Insurance Pty Ltd (Australian Credit Licence Number 384704).
2. Information We Collect
2.1 Personal Information
When you engage our services or enquire about our mortgage broking, refinancing, or property investment services, we may collect the following personal information: your full name and contact details (phone number, email address, residential address), date of birth and identification documents, employment and income details, financial information including assets, liabilities, and credit history, property and security details, and information about your borrowing objectives and requirements.
2.2 Website Usage Information
When you visit our website, we may automatically collect information such as your IP address and browser type, pages visited and time spent on our website, referring website addresses, and device information.
3. How We Use Your Information
We use the information we collect to assess your financial situation and borrowing capacity, identify and recommend suitable loan products from our panel of over 30 lenders, prepare and submit loan applications on your behalf, communicate with you about your finance application and ongoing loan management, comply with our legal and regulatory obligations under the National Consumer Credit Protection Act 2009, improve our website and services, and respond to your enquiries and provide customer support.
4. Disclosure of Your Information
We may share your personal information with lenders and finance providers to whom we submit loan applications, our aggregator Finsure Finance and Insurance Pty Ltd, credit reporting bodies, valuers, conveyancers, solicitors, and other professionals involved in your transaction, identity verification services, government bodies and regulators as required by law, and our related entities, contractors, and outsourcing partners (some of which may be located overseas, including in the Philippines).
We will not sell, rent, or trade your personal information to third parties for marketing purposes.
5. Cookies and Tracking Technologies
Our website may use cookies and similar tracking technologies to enhance your browsing experience and analyse website traffic. You can control cookies through your browser settings, though disabling cookies may affect certain website functionality.
6. Data Security
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
7. Your Rights
Under the Privacy Act 1988 (Cth) and the Australian Privacy Principles, you have the right to access the personal information we hold about you, request correction of any inaccurate or incomplete information, request a copy of our preliminary credit assessment (available for up to seven years after we provide credit assistance), and make a complaint about how we have handled your personal information.
8. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.
9. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any updates will be posted on this page with a revised effective date. We encourage you to review this policy periodically.
10. Contact Us
If you have any questions about this Privacy Policy, wish to access or correct your personal information, or have a complaint, please contact us:
MXJ Finance
Michael Jin (Director)
Credit Representative Number: 504501
Address: The Zenith, 821 Pacific Highway, Chatswood NSW 2067, Australia
Phone: 0416 080 336
Email: michaeljin@mxjfinance.com.au
Website: www.mxjfinance.com.au
11. Complaints
If you are not satisfied with our response to your complaint, you may refer the matter to:
Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678
Mail: GPO Box 3, Melbourne VIC 3001
You may also contact the Office of the Australian Information Commissioner (OAIC):
Website: www.oaic.gov.au
Phone: 1300 363 992
