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Privacy Policy

Last updated: 01/07/2025

 

Brilliant Finance Solutions (“we”, “us”, “our”) respects your privacy. This policy explains how we collect, use, disclose and store your personal information in Australia, including credit-related information.

 

1. Who we are

  • Business name: Brilliant Finance Solutions

  • ABN: 35 528 796 872

  • Credit Representative Number: 498730 (credit representative of BLSSA Pty Ltd, ACL: 391237)

  • Contact: william@brilliantfs.com.au, +61 426 263 391

 

2. The information we collect

  • Identity & contact: name, DOB, email, phone.

  • Financial details: income, expenses, assets, liabilities.

  • Credit information (for loan assistance): credit reports/scores from credit reporting bodies (e.g., Equifax/illion), repayment history, defaults or court judgments (if any).

  • Documents: payslips, tax returns, bank statements, rates notices.

  • Website data: device, browser, pages viewed, cookies/analytics.

 

3. Why we collect it

  • Provide mortgage broking services.

  • Verify identity, assess borrowing capacity, and place applications with lenders.

  • Client support and compliance (record-keeping, reporting).

  • Marketing with consent (you may opt-out anytime).

 

4. How we collect it

Directly from you; via your advisers (accountants/solicitors) with consent; from lenders; from credit reporting bodies (with your Privacy Consent where required); from analytics and cookies on our site.

 

5. Disclosure

We may disclose to: lenders and their agents; credit reporting bodies; our IT providers; verification services; professional advisers; and government/regulators where required by law.

 

6. Overseas disclosure

Some service providers or lenders may process data offshore. Where feasible, we take steps to ensure appropriate safeguards consistent with Australian Privacy Principles (APPs).

 

7. Cookies & analytics

We use cookies to improve site functionality and measure usage (e.g., Google Analytics). You can adjust browser settings to refuse cookies; some features may not work.

 

8. Security & retention

We use reasonable technical and organisational measures to protect personal information and retain records as required by law. When no longer needed, we take reasonable steps to destroy or de-identify information.

 

9. Access & correction

You may request access to, or correction of, your personal information. Contact us using the details above. We may need to verify identity before actioning requests.

 

10. Credit reporting information

If we collect credit-related information, we do so under the Privacy Act 1988, the Australian Privacy Principles, and the Credit Reporting Privacy Code (CR Code). With your consent, we may:

  • obtain your credit report for loan assessment;

  • disclose information to a lender to process applications.

 

11. Complaints

If you believe we have breached your privacy, contact us first. If unresolved, you may contact the Office of the Australian Information Commissioner (OAIC). If your concern relates to credit assistance, you may also contact AFCA .

  • OAIC: oaic.gov.au | 1300 363 992

  • AFCA: afca.org.au | 1800 931 678

 

12. Updates

We may update this policy periodically. The latest version will appear on this page.

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