Last updated: March 2026
1. About This Policy
Reficity Pty Ltd (ABN 00 000 000 000, Australian Credit Licence No. 000000) is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and services.
2. Information We Collect
We may collect the following types of personal information:
- Name, date of birth, and contact details (email, phone, address)
- Employment details and financial information (income, expenses, assets, liabilities)
- Current loan details and property information
- Identity documents (driver's licence, passport)
- Information you provide through our contact forms, application forms, or when speaking with our team
- Website usage data including cookies, IP address, and browsing behaviour
3. How We Use Your Information
We use your personal information to:
- Assess your eligibility for refinancing and home loan products
- Compare loan options across our panel of 30+ lenders
- Submit loan applications to lenders on your behalf
- Communicate with you about your application and our services
- Comply with our legal and regulatory obligations
- Improve our website and services
4. Disclosure of Information
We may share your information with:
- Lenders and financial institutions on our panel for loan assessment purposes
- Credit reporting agencies to verify your creditworthiness
- Service providers who assist us in delivering our services (e.g., IT, document management)
- Regulatory bodies as required by law (e.g., ASIC, AFCA)
We will never sell your personal information to third parties for marketing purposes.
5. Data Security
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. Our security measures include:
- 256-bit SSL encryption for all data transmission
- Secure storage with access controls and encryption at rest
- Regular security audits and staff training
- Compliance with the Australian Privacy Principles (APPs)
6. Cookies & Analytics
We use cookies and similar technologies to improve your browsing experience and analyse website traffic. You can control cookie settings through your browser preferences. We may use third-party analytics services such as Google Analytics to understand how visitors interact with our website.
7. Your Rights
Under the Privacy Act 1988 (Cth), you have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate or outdated information
- Request deletion of your information where permitted by law
- Lodge a complaint if you believe your privacy has been breached
8. Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:
- Phone: 1300 733 424
- Email: hello@reficity.com.au
- Address: Level 10, 123 George Street
If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).