Clarity Home Loans Group Pty Limited (Trading as Clarity Home Loans)
- Australian Credit Licence (ACL) Number: 387423
- ABN: 83 143 878 451
- Effective Date: 26 May 2026
Clarity Home Loans Group Pty Limited (trading as Clarity Home Loans, “we”, “us”, “our”) is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, hold, disclose, and protect your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
By visiting our website (https://www.clarityfinancial.com.au/), utilising our financial tools, or engaging our mortgage broking services, you consent to the data practices described in this policy.
1. Information We Collect
To provide you with credit assessments, loan structuring, rate negotiations, and application management, we must collect information that identifies you or forms your financial profile. Depending on your interactions with us, we may collect:
- Identity Details: Your name, residential address, date of birth, and contact details (email address and phone numbers).
- Financial Profile Data: Details of your income, employment history, household expenses, assets, existing liabilities, and credit history reports.
- Property & Transaction Details: Information regarding the properties you wish to purchase, purchase price, deposit amounts, government concession eligibility, and details of solicitors or real estate agents involved in your transaction.
2. Sensitive Information
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
3. How We Collect Your Information
We prioritise collecting your personal information directly from you wherever it is reasonable and practicable to do so. This occurs when you:
- Complete an online inquiry, fill out our client intake systems, or use our digital loan and borrowing capacity calculators.
- Engage with our mortgage brokers via telephone, email, or face-to-face appointments at our Canberra office.
- Upload financial verifications, payslips, or tax statements to our processing systems.
With your consent, we may also collect information from third parties, such as credit reporting bodies, your employer to verify income details, or your nominated real estate agents, accountants, and solicitors.
4. Business Without Identifying You
In most circumstances, it will be necessary for us to identify you in order to successfully do business with you. However, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.
5. Using Government Identifiers
If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than required by law. We will never use a government identifier in order to identify you.
6. How We Use Your Information
We collect, hold, use, and disclose your personal information for the primary purpose of providing mortgage broking and financial credit services. This includes:
- Assessments: Understanding exactly how much you can borrow based on your income, expenses, and financial situation before starting a property search.
- Loan Structuring & Negotiation: Sourcing, structuring, and negotiating home loan terms with our strong relationships across over 40 lenders.
- Application Management: Handling the paperwork, securing loan pre-approvals, and guiding you through the home buying journey with clear, tailored advice.
- Compliance: Satisfying our statutory obligations under the National Consumer Credit Protection Act 2009 (Cth) and general regulatory requirements.
7. Who We Share Your Information With
To deliver our services effectively, we may disclose your personal information to third-party organisations outside of Clarity Home Loans. These disclosures are performed under secure conditions and only to parties required to execute your request:
- Lenders and Credit Providers: Financial institutions and lenders on our panel to whom your loan application is directed.
- Professional Associates: Your designated solicitor, conveyancer, or real estate agent to ensure a smooth transaction.
- Credit Reporting Bodies: To pull necessary consumer credit files as part of the assessment phase.
- Regulatory Bodies: Government authorities, law enforcement agencies, or dispute resolution schemes where mandated by Australian law.
Our brokers do not earn commissions—ever. Instead, they are paid a consistent salary plus performance-based bonuses that stay the same no matter which lender or loan they recommend. Your data is utilised solely to secure the right loan for you, driven by compliance and client satisfaction.
8. How Safe and Secure is Your Personal Information That We Hold?
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss, and unauthorised access, modification, or disclosure.
When your personal data is no longer necessary for any authorised purpose, or required to be held under Australian financial record-keeping laws, we will take reasonable steps to securely destroy or permanently de-identify it.
9. Website Cookies and Tracking
Our website uses cookies and digital analytics tools to improve user experience, ensure system security, and monitor engagement with our financial calculators. Cookies collect anonymous metadata regarding your device configuration and browsing patterns; they do not index specific personal records. You can adjust your web browser configurations to block, decline, or delete cookies at any time, though this may limit your use of certain interactive tools on our website.
10. Access and Correction to Your Personal Information
We will provide you with access to the personal information we hold about you. You may request access to any of the personal information we hold about you at any time.
We may charge a fee for our costs of retrieving and supplying the information to you.
Depending on the type of request that you make, we may respond to your request immediately; otherwise, we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious. An explanation will be provided to you if we deny you access to the personal information we hold about you.
If any of the personal information we hold about you is incorrect, inaccurate, or out of date, you may request that we correct the information. If appropriate, we will correct the personal information at the time of the request; otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.
We may need to consult with other entities as part of our investigation. If we refuse to correct personal information, we will provide you with our reasons for not correcting the information.
11. Complaints
If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact our complaints officer on 02 6209 1990.
We will acknowledge your complaint within seven days. We will provide you with a decision on your complaint within 30 days.
If you are dissatisfied with the response of our complaints officer, you may make a complaint to the Privacy Commissioner, which can be contacted at either www.oaic.gov.au or 1300 363 992.
12. Contacting Our Privacy Officer
For all access requests, record corrections, data questions, or policy inquiries, please contact our team directly:
- Email: [email protected]
- Phone: 02 6209 1990
- Postal Address: Suite 3.03, Level 4, 33 Allara Street, Canberra City ACT 2601
You may request further information about the way we manage your personal information by contacting us.
13. Policy Updates
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and marketplace practices. As a consequence, we may change this privacy policy from time to time or as the need arises.
You may request this privacy policy in an alternative form.
This Privacy Policy was last updated on 26 May 2026.
