Privacy policy.
This policy explains how Hypercube Finance collects, uses, stores and discloses personal information. It is written in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
What this policy covers.
This privacy policy applies to Tesseract Finance Pty Ltd (ABN 90 684 948 801) trading as Hypercube Finance, and to all personal information we collect from clients, prospective clients and visitors to this website. By engaging us or using this site, you consent to the collection and handling of your information in the manner described below.
This is a working-draft policy provided as a starting point. Before the website goes live, this page should be reviewed and finalised by a compliance adviser or legal counsel familiar with Australian credit and privacy law.
Information we collect.
We collect personal information that is reasonably necessary to provide credit assistance and related services. This typically includes identity information, contact details, employment and income details, asset and liability information, credit history, property details and information about your financial goals and objectives.
We also collect information automatically when you use our website — such as IP address, browser type, pages visited and the general location of your device — for analytics and site performance purposes.
How we use your information.
We use your information to assess your requirements and objectives, to recommend credit products, to submit applications to lenders on your behalf, to manage our client relationship with you, and to comply with our legal and regulatory obligations under the National Consumer Credit Protection Act and related laws.
We do not sell personal information. We do not use your information for marketing purposes without your consent.
Disclosure.
We may disclose your information to lenders, mortgage aggregators, mortgage insurers, valuers, conveyancers, referring professionals (such as accountants or financial planners who you've asked us to work with), and regulatory bodies where required by law.
We take reasonable steps to ensure any third party we share information with handles it in accordance with the Australian Privacy Principles.
Access, correction and complaints.
You have the right to access the personal information we hold about you and to request correction if it is inaccurate. Requests should be directed to info@hypercubefinance.com.au.
If you believe we have breached your privacy, you can lodge a complaint with us directly using the same email address. If you are not satisfied with our response, you can escalate to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.