Privacy policy.

Privacy Policy for Renegotirate Pty Ltd.

1. Introduction

Renegotirate Pty Ltd (ACN: 675 506 653) (“we”, “us”, or “our”) recognises the importance of your privacy and understands your concerns about the security of your personal information. We are committed to protecting any personal information about you that we hold. This Privacy Policy details how we generally manage your personal information and safeguard your privacy, in accordance with the Australian Privacy Principles (“APPs”) contained in the Privacy Act 1988 (Cth) (“Privacy Act”).

2. Gathering Your Personal Information

Renegotirate Pty Ltd may gather personal information that is necessary for our business operations, functions, and as mandated or allowed by law.

We may gather personal information about you during your interactions with us. This could occur, for example, if you make an online inquiry, or purchase products and services from us (including the RenegotiRate software portal).

The specific personal information we gather will depend on your interactions with us. It may include:

  • Contact details (such as your name, address, telephone number, and email address)

  • Information about your employment (such as your workplace, position, and authority to transact with us)

  • Details of any properties that you own, including address, purchase price, and value

  • Details of your mortgage and financing arrangements, including details of your current rates and loan amounts

  • Information required for you to do business with us including bank account details, credit card information, and any other relevant financial information

  • Information about your use of the products and services that we supply

We may also gather other personal and sensitive information from you. For instance, if you are applying for a position with us, the personal information we gather may include your resume, qualifications, skills, education provider and history, work history, and residency status.

We may gather personal information in several ways, including using forms, over the telephone, and via our Website. For example, we typically gather personal information through:

(a) Our Website (b) Orders for products and/or services © Your bank, your broker, and other financial institutions (d) Employment applications (e) Third-party service providers (f) Provision of customer service and support (g) Responses to surveys or research conducted by us or on our behalf

Whenever possible, we will gather personal information directly from you. Occasionally, we may gather personal information about you from public sources and as otherwise permitted by law. The nature of our products and services also means that in some cases we gather personal information about you from third parties, including from your bank or your broker. For instance, we do this where your finance broker has provided us with your personal information so that you can benefit from our products and services.

If you provide us with personal information about another person (including your clients), we gather it on the basis that you have the individual’s consent for us to gather and handle that person’s personal information in accordance with this Privacy Policy.

If we are unable to gather the personal information we require, or the information provided is incorrect or incomplete, we may not be able to fulfill the applicable purpose of collection, such as to supply products and/or services to you or to assess your application for employment.

3. Purposes for Collecting, Holding, Using, and Disclosing Personal Information

We will use and disclose your personal information for the purposes for which we collected it, and for other related purposes that you would reasonably expect.

Generally, these purposes include:

  • Providing you with products and services, including providing information to you about loan products that may be available to you or your clients

  • Monitoring usage of our Website to improve user experience and ensure content is relevant and useful

  • Handling payments and refunds efficiently and securely

  • Providing you with marketing information or special offers for our products and services to keep you updated

  • Obtaining your feedback on your customer experience to improve our services and cater to your needs better

  • Improving our products and services based on your feedback and our market research

  • Conducting market research to understand industry trends and customer needs

  • Conducting marketing and other promotional activities to engage with our customers

  • Responding to your enquiries promptly and accurately

  • For our general business operations, such as maintaining our business records, compliance with our legal and insurance obligations, and statistical purposes to improve our business strategies

By providing us with your personal information, you consent to us using your personal information for direct marketing purposes. You agree that we may send you such information by post or by electronic means (including e-mail and SMS). You can opt-out of marketing and promotional communications at any time using an opt-out mechanism in one of our communications, or by contacting us via the details shown below.

In carrying out these activities, we may need to share information about you with third parties, which may include:

(a) Your broker, to understand your financial needs better (b) Our related entities, for internal administrative purposes © Agents and advisers, who help us in our business operations (d) Alliance partners (including banks and other lenders), to provide you with a range of quality products and services (e) Service providers (including cloud storage and IT providers), who provide necessary services to us (f) Contractors, who might help us in our business operations (g) Others as permitted by law, to comply with our legal obligations

In addition, if we are considering selling our business, or any part of our operations or assets then, we may disclose your personal information to a purchaser (or potential purchaser) in connection with that process or sale.

Apart from the above instances, we may also use and disclose your personal information with your consent and as otherwise required or permitted by law. This ensures that we respect your privacy while carrying out our business operations.

4. Disclosure of Personal Information

We may disclose your personal information to third parties as permitted by the Privacy Act, and for purposes to which you have consented. These parties may include:

  • Financial institutions for payment processing

  • Referees whose details are provided to us by job applicants

  • Our service providers including IT service providers, major delivery companies, mail houses and third party fulfilment contractors; and

  • Our professional advisors including lawyers, accountants, tax advisors and auditors.

5. Access and Correction of Personal Information

You may request access to your personal information collected through this website at any time. Please send an email at the contact address shown on this website. If any information is incorrect please advise us and we will update it.

6. Updates to this Policy

This Privacy Policy will be reviewed from time to time to take account of new laws and technology, changes to our operations and practices and the changing business environment.

7. Contact Us

If you have any questions regarding this Privacy Policy, please contact us at contact@renegotirate.ai.

Please note that this policy should be read in conjunction with, and is subject to, any other privacy policy of Renegotirate Pty Ltd.

8. Changes to Personal Information

If your personal information changes, we encourage you to contact us to update your information. We will take reasonable steps to ensure that the personal information we collect, use or disclose is accurate, complete and up-to-date.

9. Security of Personal Information

We will take reasonable steps to protect your personal information from misuse, loss and from unauthorized access, modification or disclosure. We will not keep your personal information for longer than necessary and will take reasonable steps to destroy or permanently de-identify personal information if it is no longer needed.

10. Complaints

If you have a complaint about the way we have dealt with your personal information, or if there has been a breach of the Australian Privacy Principles, please contact us directly and we will respond within a reasonable timeframe.