Privacy Policy

Last updated: 27 July 2025

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At Ember Finance, your privacy matters to us. This Privacy Policy outlines how we collect, use, disclose and protect your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By visiting our website, using our services, or interacting with us, you agree to the terms outlined below.

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1. What information do we collect?

We may collect personal information that’s necessary to help us provide mortgage and finance services. This may include:

  • Full name, address and contact details
  • Date of birth
  • Employment and income details
  • Financial and credit information
  • Identification documents
  • Details about your property or loan needs

We may also collect information through our website, such as cookies and analytics data, to help us improve your experience online.

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2. How do we collect your information?

We may collect personal information directly from you when you:

  • Submit a form on our website
  • Speak with us over the phone or in person
  • Email us or engage with us via social media
  • Apply for or enquire about a loan or financial product

In some cases, we may also collect information from third parties, like credit reporting agencies, your accountant, or your employer — but only with your consent.

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3. Why do we collect your information?

We collect and use your information so we can:

  • Understand your financial needs
  • Assist with loan applications and approvals
  • Communicate with you about your options
  • Comply with our legal and regulatory obligations
  • Improve our services and website

We’ll only use your information for the purpose it was collected — or as required or permitted by law.

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4. Who do we share your information with?

We may share your personal information with:

  • Lenders and financial institutions
  • Our aggregator (Purple Circle Financial Services)
  • Credit reporting agencies (with consent)
  • Legal, accounting or other professional advisers
  • IT service providers or digital platforms we use to run our business

We’ll never sell your data, and we’ll take steps to ensure any third parties we work with handle your information safely and respectfully.

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5. How do we keep your information safe?

We take security seriously. We use trusted platforms, secure storage, and access controls to protect your information from misuse, interference, or unauthorised access.

If we no longer need your personal information, we’ll take reasonable steps to securely delete or de-identify it.

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6. Accessing or correcting your information

You have the right to access the personal information we hold about you, and to request corrections if anything is inaccurate or outdated.

To request access or correction, please contact us using the details at the bottom of this policy. We’ll respond within a reasonable timeframe.

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7. Questions or complaints

If you have any concerns about your privacy or how your information is being handled, we encourage you to reach out to us via hello@emberfinance.com.au or calling us on 0431 627 874. We’ll do our best to resolve the issue promptly.

If you're not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

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8. Updates to this policy

From time to time, we may update this Privacy Policy to reflect changes in our services or legal obligations. The latest version will always be available on our website.

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