Our commitment to your privacy

Step Up Wealth Pty Ltd (ABN 49 655 397 381) ("StepUp Wealth", "we", "us", or "our") is 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, store, and protect your personal information. It applies to all personal information we collect through our website, in person, by phone, by email, and through our mortgage broking services.

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

What personal information we collect

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

Identity information

✓Full name

✓Date of birth

✓Residential address

✓Photo ID (passport, driver's licence)

Contact information

✓Email address

✓Phone number

✓Mailing address

Financial information

✓Income details (salary, rental income, other income)

✓Employment details and history

✓Bank statements and savings history

✓Existing debts and liabilities

✓Credit history and credit score

✓Assets (property, vehicles, investments)

Loan-related information

✓Loan purpose and requirements

✓Property details

✓Preferred lenders or loan features

✓Loan application history

We only collect personal information that is necessary for the purposes described in this policy. We do not collect sensitive information (such as health information or racial or ethnic origin) unless it is directly relevant to your loan application and you have consented to its collection.

How we collect your personal information

We collect personal information in the following ways:

→Directly from you, when you complete our online enquiry form, book a strategy call, or provide documents to us

→By phone or video call, when you speak with one of our brokers

→From third parties, such as credit reporting bodies (with your consent), lenders, and your employer (for verification purposes)

→From publicly available sources, such as property databases and company registers

→Automatically, when you visit our website (see 'Website data' below)

Why we collect your personal information

We collect and use your personal information for the following purposes:

✓To assess your financial situation and borrowing capacity

✓To identify suitable loan products and lenders for your needs

✓To prepare and submit loan applications on your behalf

✓To communicate with lenders, aggregators, and other third parties on your behalf

✓To comply with our legal obligations under the NCCP Act and other applicable laws

✓To send you information about our services, market updates, and educational content (with your consent)

✓To improve our website and services

✓To handle complaints and resolve disputes

Who we share your personal information with

We may disclose your personal information to the following parties:

→Lenders: To submit loan applications and obtain loan approvals on your behalf.

→Vision Aggregation Pty Ltd (our aggregator): As our Australian Credit Licence holder, Vision Aggregation has access to loan application data for compliance and oversight purposes.

→Credit reporting bodies: To obtain your credit report as part of the loan assessment process (with your consent).

→Conveyancers and solicitors: To coordinate settlement of your loan and property purchase.

→Real estate agents and vendors: Where required to facilitate your property purchase.

→Technology service providers: We use third-party software platforms to manage client data, loan applications, and communications. These providers are bound by confidentiality obligations.

→Regulatory authorities: Where required by law, including ASIC, the ACCC, and the OAIC.

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

Credit reporting information

In connection with your loan application, we may collect, use, and disclose credit information and credit eligibility information about you. This is governed by Part IIIA of the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2014.

We may disclose your personal information to the following credit reporting bodies (CRBs) to obtain a credit report as part of assessing your loan application:

Equifax Australia

Equifax may use your information to provide credit reporting services to other credit providers.

equifax.com. Ph: 13 83 32

Experian Australia

Experian may use your information to provide credit reporting services to other credit providers.

experian.com.Ph: 1300 783 684

illion (formerly Dun & Bradstreet)

illion may use your information to provide credit reporting services to other credit providers.

illion.com.Ph: 1300 734 806

Each CRB has a credit reporting policy that explains how they manage credit-related personal information. You can request a copy of your credit report directly from any CRB. If you believe your credit report contains errors, you can request a correction from the CRB.

You have the right to request that a CRB not use your credit reporting information for pre-screening of direct marketing by a credit provider. You also have the right to request that a CRB not use or disclose your credit reporting information if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud.

Overseas disclosure

Some of our technology service providers may store or process data overseas (for example, cloud services hosted in the United States or Europe). Where we disclose personal information to overseas recipients, we take reasonable steps to ensure that the recipient handles the information in accordance with the Australian Privacy Principles.

By providing your personal information to us, you consent to it being disclosed to overseas recipients in these circumstances.

Website data and cookies

When you visit our website, we may automatically collect certain information about your visit, including:

→Your IP address and approximate location

→The pages you visit and the time spent on each page

→The browser and device you're using

→How you arrived at our website (e.g. from a search engine or social media)

We use cookies and similar technologies to improve your experience on our website and to analyse website traffic. You can disable cookies in your browser settings, but this may affect the functionality of our website.

Security of your personal information

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, and disclosure. These steps include:

• ✓Secure, encrypted storage of personal data

• ✓Access controls limiting who can view your information

• ✓Secure communication channels for transmitting sensitive documents

• ✓Regular review of our security practices

While we take reasonable precautions, no method of electronic transmission or storage is 100% secure. We cannot guarantee the absolute security of your personal information.

Your rights

Under the Privacy Act 1988, you have the right to:

• ✓Access the personal information we hold about you

• ✓Request correction of inaccurate, incomplete, or out-of-date information

• ✓Make a complaint about how we have handled your personal information

• ✓Opt out of receiving marketing communications from us

To exercise any of these rights, please contact us at hello@stepupwealth.com.au. We will respond to your request within 30 days.

Retention of personal information

We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, or as required by law. Under the NCCP Act, we are required to retain credit assistance records for a minimum of 7 years. After this period, we will securely destroy or de-identify your personal information.

Changes to this policy

We may update this Privacy Policy from time to time. The updated policy will be posted on our website with the date of the most recent revision. We encourage you to review this policy periodically.

Contact us

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us:

Privacy Officer - Step Up Wealth Pty Ltd

ABN: 49 655 397 381

hello@stepupwealth.com.au