Start the conversation
Flyout Menu

Privacy Policy

Equity Cube is committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This Privacy Policy describes how we collect, hold, use, and disclose your personal information when you interact with us — including through our website, our broking services, and any other touchpoints.

By using our website or engaging our services, you consent to the collection and use of your personal information as described in this policy.

1. Who We Are

Equity Cube Pty Ltd (ABN 72 696 493 213, ACN 647 867 651) holds Australian Credit Licence 528691. We are a mortgage brokerage that helps clients compare and apply for home loans, investment loans, refinancing, asset finance, and other lending products across our panel of lenders.

2. What Personal Information We Collect

We collect personal information that is necessary to provide our services. This may include:

  • Contact information — name, email address, phone number, and mailing address.
  • Financial information — income, expenses, assets, liabilities, credit history, and employment details.
  • Identification information — date of birth, driver’s licence, or passport details as required by lenders or for identity verification.
  • Loan and property information — details of existing loans, properties owned, and the purpose of any proposed loan.
  • Sensitive information — health or other sensitive information where relevant to your loan application (e.g., for certain lender requirements). We will only collect this with your consent.
  • Technical information — IP address, browser type, device type, and website usage data collected automatically when you visit our website.

3. How We Collect Your Information

We collect personal information in the following ways:

  • Directly from you — through our website contact forms, the Equity Scorecard, phone calls, emails, and meetings.
  • From third parties — with your consent, from lenders, credit reporting agencies, or referral partners.
  • Automatically — through cookies and tracking technologies when you use our website.

4. How We Use Your Information

We use your personal information to:

  • Assess your borrowing needs and provide mortgage broking advice and services.
  • Prepare and submit loan applications to lenders on your behalf.
  • Communicate with you about your loan application, ongoing relationship, and our services.
  • Send you updates, resources, or information we believe may be relevant to you (you can opt out at any time).
  • Comply with our legal and regulatory obligations, including those imposed by the National Consumer Credit Protection Act 2009 (Cth).
  • Improve our website, products, and services.

5. Who We Share Your Information With

We do not sell, trade, or rent your personal information to third parties for marketing purposes.

We may disclose your personal information to:

  • Lenders and credit providers — to assess and process your loan application.
  • Credit reporting bodies — where permitted by law and relevant to your application.
  • Service providers — including IT, document management, and communication providers who support our operations, and who are contractually required to protect your information.
  • Legal and regulatory authorities — where required or permitted by law.

All parties with whom we share your information are required to handle it in accordance with applicable privacy laws.

 

6. How We Hold and Protect Your Information

We store your personal information securely in cloud-based document management systems. We protect your information through:

  • Two-factor authentication on all systems that hold client data.
  • Secure, password-protected access controls.
  • Regular review of our data security practices.

We retain your personal information for as long as is reasonably necessary for the purposes for which it was collected, or as required by law. When information is no longer required, we securely destroy or de-identify it.

7. Cookies and Tracking

Our website uses cookies and similar tracking technologies to improve your experience, analyse traffic, and understand how our site is used. You can disable cookies through your browser settings, though this may affect certain features of the site.

We may use third-party analytics tools (such as Google Analytics) that collect anonymised usage data. These tools operate in accordance with their own privacy policies.

8. Accessing and Correcting Your Information

You have the right to request access to the personal information we hold about you, and to request corrections if it is inaccurate, incomplete, or out of date.

To make an access or correction request, please contact us in writing at hello@equitycube.com.au. We will respond within a reasonable timeframe and will not charge you for making a request.

In some circumstances, we may be unable to provide access to certain information — for example, where doing so would affect the privacy of another individual or where we are legally restricted from doing so. We will explain any such limitations.

9. Complaints About Privacy

If you believe we have handled your personal information in a way that is not consistent with this policy or the Australian Privacy Principles, please contact us at hello@equitycube.com.au.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

  • Website: www.oaic.gov.au
  • Phone: 1300 363 992
  • Mail: GPO Box 5218, Sydney NSW 2001

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The current version will always be available at equitycube.com.au/privacy-policy. Your continued use of our services after any update constitutes your acceptance of the revised policy.

11. Contact Us

For any privacy-related questions or requests, please contact:

Equity Cube — Privacy Officer

Email: hello@equitycube.com.au

Website: equitycube.com.au