Privacy Policy

Privacy Policy for GYS

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

This Privacy Policy explains how we collect, use, disclose, and protect your personal and credit-related information when you use our website or mortgage broking services.

Who We Are

GYS Finance is a mortgage broker providing services including:

- Home loans
- Refinancing
- Investment loans
- Loan comparison and advisory

We work with a panel of lenders, financial institutions, and service providers to help you find suitable finance solutions.

What Information We Collect

a. Personal Information
We may collect:
- Full name, date of birth
- Address and contact details (email, phone)
- Employment details and income
- Financial information (assets, liabilities, expenses)
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‍b. Credit Information
To assess your loan eligibility, we may collect:
- Credit history and repayment records
- Credit scores and reports
- Loan account details and defaults (if any)
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‍c. Website & Technical Data
- When you use our website:
- IP address
- Device and browser type
- Pages visited and interaction data

How We Collect Information

We collect your information:

- Directly from you (forms, calls, emails)
- From lenders, credit reporting bodies, and financial institutions
- From third parties such as accountants, brokers, or referrers (with your consent)

How We Use Your Information

We use your information to:

- Assess your borrowing capacity and financial position
- Recommend suitable loan products
- Submit and manage your loan application
- Communicate with you about your enquiry
- Improve our services and website
- Comply with legal and regulatory obligations

Disclosure of Information

We may disclose your information to:

- Lenders, banks, and financial institutions
- Credit reporting agencies
- Mortgage aggregators and partners
- Service providers (IT systems, CRM, marketing tools)
- Legal, regulatory, or government authorities (if required)

We take reasonable steps to ensure all third parties protect your data.

Overseas Disclosure

Some of our service providers or systems may store or process data outside Australia.By using our services, you consent to this disclosure.

Cookies & Website Tracking

Our website uses cookies to:
- Improve user experience
- Analyze traffic and performance
- Personalize content
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You can disable cookies through your browser settings.

Data Security

We implement appropriate security measures to protect your personal information from:
- Unauthorized access
- Loss or misuse
- Disclosure
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However, no online system is completely secure.

Access & Correction

You may request access to your personal information or ask us to correct it if inaccurate.
We aim to respond within a reasonable timeframe.