Privacy Policy

1. About This Policy

Terrain Finance Partners ABN 50 696 557 552, operating as a Credit Representative (578084) of Finsure Finance and Insurance Pty Ltd (Australian Credit Licence 384704), is committed to protecting the privacy of everyone who engages with our services.

This Privacy Policy explains how we collect, use, store, disclose and protect your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). It also outlines your rights in relation to that information and how you can contact us if you have any concerns.

By engaging our services, visiting our website at terrainfp.com, or providing us with your personal information in any form, you agree to the collection and use of your information in accordance with this Policy.

2. Who We Are

Business Name: Terrain Finance Partners

ABN: 50 696 557 552

Credit Representative Number: 578084

Licensed Under: Finsure Finance and Insurance Pty Ltd (ACL 384704)

Registered Address: Level 3, 55 Pyrmont Bridge Road, Pyrmont NSW 2009

Website: terrainfp.com

Email: tharun@terrainfp.com

Phone: +61 493 125 004

3. What Personal Information We Collect

We collect personal information that is necessary to provide our mortgage broking and financial services. The types of information we may collect include:

3.1 Identity and Contact Information

  • Full name and date of birth

  • Residential address (current and previous)

  • Phone number and email address

  • Driver's licence, passport, or other government-issued identification

3.2 Financial Information

  • Income, employment status, and employer details

  • Assets, liabilities, debts, and expenses

  • Bank account and credit card statements

  • Tax file number (where legally required)

  • Credit history and credit scores

  • Details of existing loans, mortgages, and financial commitments

3.3 Property Information

  • Details of properties being purchased, refinanced, or used as security

  • Property valuations and titles

  • Purchase contracts and related documents

3.4 Sensitive Information

In certain circumstances, we may collect sensitive information including health information (for example, where it is relevant to an insurance or income protection product). We will only collect sensitive information with your consent or where permitted by law.

3.5 Website and Digital Information

  • IP address and browser type

  • Pages visited and time spent on our website

  • Referral sources and search terms

  • Cookies and similar tracking technologies (see Section 11)

4. How We Collect Your Information

We collect personal information in the following ways:

  • Directly from you — through consultation meetings, phone calls, emails, forms, or our website

  • From third parties — including lenders, credit reporting bodies, real estate agents, accountants, solicitors, and government agencies (where you have authorised this)

  • Automatically — through cookies and analytics tools when you visit our website

  • From publicly available sources — such as property registers or court records where relevant

Where practical, we will collect personal information directly from you. We will always tell you why we are collecting it at the time of collection.

5. How We Use Your Personal Information

We use your personal information to:

  • Assess your financial needs and objectives

  • Identify and recommend suitable lending products

  • Prepare and submit loan applications on your behalf

  • Communicate with lenders, valuers, solicitors, and other parties on your behalf

  • Comply with our legal and regulatory obligations under the National Consumer Credit Protection Act 2009 (Cth) and other applicable legislation

  • Verify your identity in accordance with Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) obligations

  • Manage our ongoing relationship with you, including providing updates on your application

  • Improve our services and website experience

  • Respond to your enquiries and complaints

  • Send you information about our services (with your consent, where required)

We will not use your personal information for any purpose other than those described above, or for purposes you would reasonably expect, without your consent.

6. Disclosure of Your Personal Information

We may disclose your personal information to third parties in the following circumstances:

6.1 Lenders and Financial Institutions

We disclose your personal information to lenders and credit providers when assessing and submitting loan applications on your behalf. This is a necessary and expected part of our service.

6.2 Aggregator — Finsure Finance and Insurance Pty Ltd

As a Credit Representative of Finsure Finance and Insurance Pty Ltd (ACL 384704), we operate within their licensing framework. Finsure may access information relevant to our compliance obligations. Their privacy policy is available on their website.

6.3 Service Providers

We may share your information with third-party service providers who assist us in delivering our services, including:

–      Mortgage aggregation platforms

–      Credit reporting bodies (including Equifax, Illion, and Experian)

–      Valuers and property professionals

–      Legal and conveyancing services

–      Accountants and financial advisers

–      Insurance providers

–      Cloud storage and software providers

6.4 Legal and Regulatory Requirements

We may disclose your information where required or authorised by law, including to regulatory bodies such as ASIC, AUSTRAC, or law enforcement agencies.

6.5 With Your Consent

We may disclose your personal information to other parties with your express consent.

6.6 Overseas Disclosure

Some of our third-party service providers (including cloud software providers) may store or process data outside Australia. Where this occurs, we take reasonable steps to ensure those providers handle your information in accordance with the Australian Privacy Principles. By engaging our services, you consent to the possibility that your information may be stored or processed overseas.

7. Credit-Related Personal Information

As a mortgage broker, we handle credit-related personal information as defined under the Privacy Act 1988 (Cth) and the Credit Reporting Privacy Code. This includes information about your creditworthiness, credit history, and credit capacity.

We may:

  • Obtain your credit report from credit reporting bodies with your consent

  • Disclose your credit-related information to lenders and credit providers

  • Use credit-related information to assess your suitability for lending products

You have the right to access your credit information and to request corrections if it is inaccurate, incomplete, or out of date. You can also request that we not use or disclose your credit information for direct marketing purposes.

8. Storage and Security of Your Information

We take the security of your personal information seriously. We implement appropriate technical and organisational measures to protect your information from unauthorised access, misuse, loss, modification, or disclosure. These measures include:

  • Secure, encrypted digital storage systems

  • Password-protected access to files and systems

  • Limited access to personal information on a need-to-know basis

  • Secure disposal of physical documents containing 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. When your information is no longer required, we will take reasonable steps to destroy or de-identify it securely.

While we take every precaution, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security but are committed to continuous improvement of our practices.

9. Accessing and Correcting Your Personal Information

You have the right to request access to the personal information we hold about you and to request that we correct any information that is inaccurate, incomplete, or out of date.

To make a request, please contact us in writing using the details in Section 13. We will respond to your request within 30 days. In some circumstances we may decline to provide access — for example, where access would pose a serious threat to another person, or where required by law. If we decline, we will provide written reasons.

We do not charge a fee for making an access or correction request, however we may charge a reasonable fee to cover the cost of providing access where the request is complex or time-consuming.

10. Direct Marketing

We may use your personal information to send you information about our services, updates, and market commentary where you have given consent, or where permitted under the Privacy Act 1988 (Cth) and the Spam Act 2003 (Cth).

You can opt out of receiving marketing communications from us at any time by:

  • Clicking the unsubscribe link in any email we send

  • Contacting us directly at admin@terrainfp.com

We will process opt-out requests promptly and within a reasonable time. Even after opting out of marketing communications, we may still contact you for service-related or administrative purposes.

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

11. Cookies and Website Analytics

Our website (terrainfp.com) uses cookies and similar technologies to improve user experience and understand how visitors interact with our site. Cookies are small text files stored on your device.

We may use cookies to:

  • Remember your preferences and settings

  • Analyse website traffic and usage patterns

  • Improve the functionality and content of our website

You can control or disable cookies through your browser settings. Please note that disabling cookies may affect the functionality of our website. By continuing to use our website, you consent to our use of cookies.

We may use third-party analytics services (such as Google Analytics) to help us understand website usage. These services may collect information about your visits to our site in accordance with their own privacy policies.

12. Privacy Complaints

If you believe we have breached the Australian Privacy Principles or have a concern about how we have handled your personal information, we encourage you to contact us in the first instance. We will investigate your complaint and respond within 30 days.

To lodge a complaint, please contact us at:

Terrain Finance Partners — Privacy Officer

Level 3, 55 Pyrmont Bridge Road, Pyrmont NSW 2009

Email: tharun@terrainfp.com

Phone: +61 493 125 004

If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC):

  • Website: www.oaic.gov.au

  • Phone: 1300 363 992

  • Mail: GPO Box 5218, Sydney NSW 2001

13. Contact Us

For any privacy-related enquiries, requests, or concerns, please contact us:

Terrain Finance Partners

Address: Level 3, 55 Pyrmont Bridge Road, Pyrmont NSW 2009

Email: tharun@terrainfp.com

Phone: +61 493 125 004

Website: terrainfp.com

We will respond to all privacy-related correspondence within 30 days.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal obligations, or the services we offer. The most current version of this Policy will always be available on our website at terrainfp.com.

We encourage you to review this Policy periodically. Where changes are material, we will notify you directly where we hold your contact information. Continued engagement with our services following any update constitutes your acceptance of the revised Policy.

Terrain Finance Partners  ·  ABN 50 696 557 552

Credit Representative 578084 of Finsure Finance and Insurance Pty Ltd (ACL 384704)

Level 3, 55 Pyrmont Bridge Road, Pyrmont NSW 2009  |  terrainfp.com