Privacy Policy

1. Introduction

Luminous Finance Solutions Pty Ltd ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mortgage brokerage services.

2. Information We Collect

Personal Information

• Name, address, and contact details
• Date of birth and identification documents
• Employment and income information
• Financial information and credit history
• Property and mortgage details

3. How We Use Your Information

• Provide mortgage brokerage services
• Assess loan applications and eligibility
• Comply with legal and regulatory requirements
• Communicate with you about your applications
• Improve our services and customer experience

4. Information Sharing

We may share your information with:

• Lending institutions for loan applications
• Credit reporting agencies
• Legal and regulatory authorities
• Professional service providers (with confidentiality agreements)

5. Data Security

We implement comprehensive security measures including:

• Encryption of sensitive data
• Secure server infrastructure
• Access controls and authentication
• Regular security audits
• Compliance with Australian Privacy Principles

6. Your Rights

You have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your data
• Withdraw consent for marketing communications
• Lodge a complaint with the Privacy Commissioner

7. Contact Us

If you have any questions about this Privacy Policy, please contact us: