Privacy Policy

Last updated: 22 October 2026

Who we are

Cutting Edge Finance is a mortgage broking business based in Mackay, Queensland. We are Credit Representative 441201, authorised under Australian Credit Licence 389328 held by Aus Property Financial Solutions Pty Ltd (our licensee). In this policy, "we", "us" and "our" mean Cutting Edge Finance.

We are bound by the Privacy Act 1988 (Cth), including the Australian Privacy Principles. This policy explains how we collect, use, disclose and protect your personal information, and how you can access it, correct it or make a complaint.

What personal information we collect

We only collect information we need to help you with your finance. Depending on your situation, this may include:

• contact details, such as your name, address, phone number, email address and date of birth
• financial information, such as your income, expenses, assets, liabilities, bank statements and tax returns
• employment information, such as your employer, role, length of employment and payslips
• identity documents, such as your driver licence, passport or Medicare card
• credit information, such as your credit history, credit applications, repayment history and any defaults
• information about the property you are buying or refinancing

We only collect sensitive information (for example, health information relevant to a hardship request or insurance) with your consent, unless the law requires or permits otherwise.

You can deal with us anonymously or using a pseudonym for general enquiries. However, we cannot arrange credit for you without identifying you.

How we collect it

We collect most information directly from you, including when you:

• complete the enquiry form on our website
• call or email us
• meet with us in person
• provide documents for a loan application

With your consent, or where the law allows, we may also collect information from lenders, our licensee and aggregator, credit reporting bodies, your other advisers (such as your accountant or solicitor), and people who refer you to us, such as real estate agents.

Why we use and disclose it

We use and disclose your personal information to:

• provide credit assistance, including recommending and applying for loans that suit your needs
• meet our responsible lending obligations under the National Consumer Credit Protection Act 2009 (Cth), including making reasonable inquiries about your requirements and objectives and verifying your financial situation
• verify your identity, including to meet obligations under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) where they apply to us or to a lender we act for
• manage your loan after settlement, such as rate reviews and refinance options
• meet our legal, regulatory and licensee obligations, including record keeping, audits and complaints handling
• tell you about products and services that may interest you

You can opt out of marketing at any time by using the unsubscribe link in our emails or by contacting us. We will still contact you about any loan you have with us.

Who we disclose it to

Depending on your situation, we may disclose your personal information to:

• lenders and other credit providers
• lenders mortgage insurers
• valuers
• our licensee, Aus Property Financial Solutions Pty Ltd, and our aggregator, for compliance, audit and administration
• credit reporting bodies, through the lender
• service providers who help us run our business, such as IT, software and cloud providers (including Google Workspace), document storage, and identity verification providers
• your representatives, such as your accountant, solicitor, conveyancer or financial adviser, where you ask us to
• related businesses, such as a real estate or body corporate business, but only with your consent
• government agencies, regulators, courts and others where required or authorised by law

We do not sell your personal information.

Credit reporting

We provide credit assistance. We do not lend money and we do not obtain credit reports from credit reporting bodies in our own right. When we submit an application for you, the lender may obtain your credit report and disclose credit information to credit reporting bodies. That lender's own credit reporting policy applies, and you can find it on the lender's website.

Under the Privacy Act 1988 and the Privacy (Credit Reporting) Code, you have the right to:

• access the credit information a credit reporting body or credit provider holds about you, and obtain your credit report free of charge at least once every three months
• ask for incorrect credit information to be corrected
• ask a credit reporting body not to use your information for direct marketing pre-screening
• ask a credit reporting body to place a ban period on your file if you believe you are, or are likely to be, a victim of fraud
• complain about how your credit information has been handled

Our website

When you submit our enquiry form, your details are stored in Google Sheets within our Google Workspace account and emailed to our team so we can respond.

Our website uses cookies and similar technologies. We use:

• Google Analytics 4, to understand how visitors use our website
• Google Ads conversion tracking, to measure how our Google advertising performs
• the Meta Pixel, to measure our Facebook and Instagram advertising and show relevant ads

These tools collect information such as your device, browser, pages visited and how you arrived at our site. We do not use them to identify you personally.

You can control or opt out of this tracking:

• block or delete cookies in your browser settings
• manage Google ads personalisation at Google Ads Settings
• manage Facebook and Instagram ads in your Meta ad preferences
• install the Google Analytics Opt-out Browser Add-on

Overseas disclosure

Some of our service providers, including cloud providers such as Google, may store or process your information outside Australia, for example in the United States. Some lenders and other recipients may also use overseas service providers. We take reasonable steps to make sure overseas recipients handle your information in a way consistent with the Australian Privacy Principles.

Security and retention

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, change or disclosure. These steps include secure, password-protected systems, multi-factor authentication, restricted access and staff training.

We keep records for at least 7 years, as required under credit and anti-money laundering laws. When we no longer need your information and are not required to keep it, we take reasonable steps to destroy it or de-identify it.

Access and correction

You can ask for access to the personal information we hold about you, or ask us to correct it, by contacting us using the details below. We will respond within a reasonable time, usually 30 days. We may need to verify your identity first. If we refuse your request, we will tell you why in writing and explain how to complain.

Complaints

If you have a concern about your privacy, please contact us first so we can try to fix it:

• Phone: 0458 773 002
• Email: admin@cutfinance.com
• Post: Cutting Edge Finance, Upstairs Shop 5, 68 Sydney Street, Mackay QLD 4740

We will acknowledge your complaint promptly and aim to resolve it within 30 days. If you are not satisfied with our response, you can contact the Australian Financial Complaints Authority (AFCA), a free and independent external dispute resolution scheme:

• Website: www.afca.org.au
• Phone: 1800 931 678 (free call)
• Email: info@afca.org.au
• Post: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001

You can also complain to the Office of the Australian Information Commissioner (OAIC):

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• Post: GPO Box 5288, Sydney NSW 2001

Changes to this policy

We may update this policy from time to time. The current version will always be on our website. You can ask us for a free copy at any time.