Privacy Policy

99 Express Pty. Ltd. (ABN 15 644 217 970, Australian Credit Licence 384704) ("we", "us", "our") is committed to protecting the privacy of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. What Personal Information We Collect

We may collect the following types of personal information:

• Full name, date of birth, and contact details (address, phone number, email)
• Financial information (income, assets, liabilities, credit history)
• Employment details
• Identification documents (e.g. driver's licence, passport)
• Information about the property you wish to purchase or refinance
• Any other information you provide through our website forms or in-person consultations

2. How We Collect Personal Information

We collect personal information directly from you when you:

• Complete an enquiry form on our website
• Call, email, or meet with us in person
• Submit a loan application through us

We may also collect information from third parties such as credit reporting bodies, lenders, and government agencies where permitted by law.

3. Why We Collect Personal Information

We collect your personal information to:

• Provide mortgage broking and finance broking services
• Assess your eligibility for loan products
• Submit loan applications to lenders on your behalf
• Comply with our obligations under the National Consumer Credit Protection Act 2009
• Communicate with you about your enquiry or application
• Improve our services and website
• Comply with legal and regulatory requirements

4. Disclosure of Personal Information

We may disclose your personal information to:

• Lenders and credit providers for the purpose of your loan application
• Our aggregator (if applicable) for compliance and support purposes
• Credit reporting bodies (with your consent where required)
• Government authorities as required by law
• Service providers who assist in delivering our services (e.g. IT providers)

We do not sell your personal information to third parties for marketing purposes.

5. Storage and Security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access or disclosure. Your information is stored securely and access is restricted to authorised personnel only. We will destroy or de-identify your personal information once it is no longer needed, subject to legal retention requirements.

6. Access and Correction

You have the right to access and request correction of the personal information we hold about you. To make a request, please contact us using the details below. We will respond within a reasonable timeframe.

7. Complaints

If you have a concern about how we have handled your personal information, please contact us in the first instance. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

8. Website Cookies

Our website may use cookies to improve your browsing experience. Cookies are small files stored on your device that help us understand how the site is used. You can disable cookies in your browser settings, although this may affect the functionality of the site.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The current version will always be available on this page. We encourage you to review this policy periodically.

10. Contact Us

For any privacy-related enquiries, please contact:

99 Express Pty. Ltd.
Adelaide, SA
Phone: 0406 691 292
Email: info@99express.com.au
ABN: 15 644 217 970 | ACL: 384704