Your information, handled with care.

Part A — Privacy Policy

1. Our commitment to your privacy

LivLif Mortgage Broking is committed to protecting the privacy and security of your personal information. We understand that when you engage us to assist with your home loan, investment loan or refinancing needs, you are trusting us with some of the most sensitive financial information you hold.

This policy explains what information we collect, why we collect it, how we use and protect it, and what rights you have in relation to your personal data. We handle all personal information in accordance with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

2. What personal information we collect

The nature of mortgage broking means we collect detailed personal, financial and identification information to assess your borrowing needs and submit loan applications on your behalf. This includes:

2.1 Identity information

• Full legal name, date of birth and gender
• Residential address (current and previous)
• Driver's licence, passport or other government-issued identification
• Medicare card details (where required by lenders)

2.2 Financial information

• Employment status, employer details, income and salary information
• Payslips, tax returns, notices of assessment and financial statements
• ABN details and business financial information (self-employed clients)
• Bank account statements, savings history and existing loan details
• Assets and liabilities, including real estate, vehicles and investments
• Credit card limits, personal loan balances and other financial commitments

2.3 Credit information

• Credit history obtained from credit reporting bodies (e.g. Equifax, Experian, illion)
• Details of previous loan applications and defaults (if any)
• Repayment history and credit enquiries

2.4 Contact and communication information

• Email address, phone number and preferred contact method
• Records of conversations, emails and meeting notes
• Communications through our website enquiry forms and booking tools

2.5 Website and technical information

• IP address, browser type and device information
• Pages visited, time on site and referral source (via Google Analytics or similar)
• Cookie data (see Section 10 — Cookies)

3. How we collect your information

We collect personal information directly from you through:

• Initial consultation calls and face-to-face meetings
• Our website enquiry and booking forms at livlif.au
• Email, SMS and written correspondence
• Documents you provide to us (payslips, tax returns, bank statements)
• Completion of lender application forms

We may also collect information from third parties, including:

• Credit reporting bodies — to obtain your credit file
• Your employer — to verify your employment and income
• Lenders and financial institutions — as part of the application process
• Government bodies — to verify identity or property details
• Your accountant or financial adviser — with your consent

4. Why we collect your information — purpose of collection

We collect your personal information solely for the purposes of providing you with mortgage broking services. Specifically, this includes:

• Assessing your financial situation and borrowing capacity
• Identifying suitable loan products from our panel of 40+ lenders
• Preparing and submitting loan applications on your behalf
• Communicating with lenders, valuers, conveyancers and settlement agents
• Meeting our obligations under the National Consumer Credit Protection Act 2009 (NCCP)
• Conducting annual loan reviews and providing ongoing client service
• Complying with anti-money laundering (AML) and know-your-customer (KYC) obligations
• Sending you relevant updates, rate alerts or market information (with your consent)

5. Who we share your information with

We do not sell, rent or trade your personal information. We share your information only where necessary to provide our services or as required by law:

We require all third parties who receive your information to handle it in accordance with the Australian Privacy Act 1988. We do not share your information with overseas recipients unless we have your explicit consent or are legally required to do so.

6. How we store and protect your information

LivLif takes the security of your personal and financial information seriously. We implement the following safeguards:

• Encrypted digital document storage via industry-standard secure platforms
• Password-protected systems with multi-factor authentication
• Restricted staff access — only authorised personnel can access client files
• Secure disposal of physical documents containing personal information
• Regular review of our security practices and technology

We retain your personal information for a minimum of seven (7) years following the completion of your loan, as required under the National Consumer Credit Protection Act 2009 and applicable record-keeping obligations. After this period, records are securely destroyed.

7. Your rights — accessing and correcting your information

You have the right to:

• Request access to the personal information we hold about you
• Request correction of any information that is inaccurate, out of date or incomplete
• Opt out of receiving marketing communications at any time
• Make a complaint about how we have handled your personal information

To exercise any of these rights, please contact us at:

8. Making a complaint

If you believe we have mishandled your personal information or breached the Australian Privacy Principles, you may:

• Contact us directly at krishna.tondapu@livlif.au — we will acknowledge your complaint within 5 business days and provide a response within 30 days
• If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or on 1300 363 992
• For credit-related complaints, you may also contact AFCA (Australian Financial Complaints Authority) at www.afca.org.au or on 1800 931 678

9. Marketing communications

We may from time to time send you relevant property market updates, rate alerts, scheme changes or useful financial information. We will only do this with your consent and you may opt out at any time by:

• Clicking the unsubscribe link in any email communication
• Contacting us at krishna.tondapu@livlif.au
• Calling us directly and requesting removal from our communications list

10. Cookies and website analytics

Our website at livlif.au uses cookies and website analytics tools (including Google Analytics) to understand how visitors use our site. This helps us improve our website and better serve our clients.

Cookies are small text files stored on your device. They do not personally identify you but help us analyse site traffic and usage patterns. You may disable cookies in your browser settings; however, some features of our website may not function as intended if you do so.

11. Changes to this policy

We review and update this Privacy Policy periodically to reflect changes in our business practices, technology or legal obligations. The current version will always be available at livlif.au/privacy-policy. We will notify existing clients of material changes by email.

12. Contact us

For any privacy-related queries, access requests or concerns, please contact:

Part B — Client Collection Notice

This Collection Notice is a plain-English summary of how LivLif Mortgage Broking collects and handles your personal information. It is designed to be used on our website enquiry forms, booking forms and initial client communication.

Website enquiry form — collection notice

Why we collect your information

When you submit an enquiry or book a call with LivLif, we collect your name, contact details and basic financial information to:

• Respond to your enquiry and provide relevant mortgage advice
• Assess your borrowing needs and identify suitable loan options
• Contact you about your application and keep you updated on progress

Who we share it with

Your information may be shared with lenders, our aggregator, credit reporting bodies, and other parties necessary to arrange your loan. We do not sell your information to third parties.

Your rights

You may access or correct your information at any time by contacting us at krishna.tondapu@livlif.au. By submitting any form on this site, you consent to LivLif Mortgage Broking collecting and using your personal information as described above and in our full Privacy Policy.

Initial client communication — collection notice

The following short notice is provided at the start of every client engagement, in emails, SMS or verbal disclosure:

“To help us find the right loan for you, we will collect personal and financial information from you during this process. This information may be shared with lenders, our aggregator and other parties as needed to arrange your loan. Your information will be handled in accordance with the Australian Privacy Act 1988. A copy of our full Privacy Policy is available at livlif.au/privacy-policy. If you have any questions about how we handle your information, please don't hesitate to ask.”

Cookies & website notice

“We use cookies to improve your experience on our website and to analyse site traffic. By continuing to browse livlif.au you agree to our use of cookies. For more information, see our Privacy Policy.”