Privacy Policy

Azure Home Loans (ABN 77 676 207 131), trading with credit assistance provided by Bishnu Adhikari (Australian Credit Representative Number 538895), authorised under Australian Credit Licence 390261, respects your right to privacy under the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This policy explains how we collect, use, hold, and disclose personal information when you interact with us, including through this website, by phone, email, or in the course of providing credit assistance. It also covers optional tools on the site (such as the general-information Q&A assistant).

We are committed to protecting your personal information and handling it honestly, fairly, and securely. We only collect what we reasonably need to provide our services, meet legal obligations, and communicate with you about your enquiry or application.

We may collect and hold information including:

• Identity and contact details — name, date of birth, residential address, email, phone numbers.
• Employment and income details — payslips, tax documents, business financials, account statements, and other evidence needed for credit assessment.
• Financial position — assets, liabilities, expenses, and account details relevant to your loan application.
• Credit-related information — with your consent, information from credit reporting bodies and lenders as part of an application.
• Service records — notes from discussions, correspondence, application status, and documents you provide to us.
• Technical information — basic server or analytics information when you use our website (where used), such as IP address, browser type, and pages viewed.
• Optional website Q&A (AI assistant) — if you choose to use the "Ask a general home-loan question" feature, the text you submit is transmitted to generate an immediate general-information response (see the dedicated section below). Do not use this box for sensitive personal details; use our contact channels for confidential information.

We use this information to:

• respond to enquiries and provide credit assistance you request;
• prepare, submit, and progress loan applications with lenders on your instructions;
• meet our legal and regulatory obligations as an Australian Credit Representative;
• manage complaints and disputes; and
• improve our processes and website where permitted by law.

Some pages include an optional assistant that answers general questions about Australian home lending topics. It is for education and convenience — not personal credit advice, and not a substitute for a formal conversation with Bishnu Adhikari.

When you submit a question, your text is sent to our technology provider OpenAI (OpenAI, L.L.C. and related entities) so their systems can generate a response. We configure this service to provide on-the-spot answers only; we do not use it to build a marketing profile about you, and we do not treat these messages as part of a loan application unless you separately provide information through our enquiry form or other agreed channels.

Please avoid entering highly sensitive information in the assistant (for example Tax File Number, full payment card or account numbers, or other details you would not post in an open email). For anything confidential, use contact or phone. OpenAI's handling of data is subject to its own terms and privacy documentation; you may review those on OpenAI's website if you use the feature.

If you choose not to provide information we reasonably request, we may not be able to provide credit assistance, submit an application on your behalf, or give you accurate guidance on your borrowing capacity or suitable products.

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. These steps include secure storage, access controls appropriate to our size and systems, and staff awareness of confidentiality.

Online transmission is never completely risk-free. Where you send sensitive documents, we may direct you to more secure channels (for example, lender portals or encrypted exchange) once we understand your scenario.

We may disclose personal information to:

• mortgage lenders, insurers, and valuers involved in your application;
• our aggregator (Yellow Brick Road / YBR) and its systems providers, where required to deliver broking services;
• technology providers that support our business (for example, email, calendars, or document tools) under confidentiality arrangements;
• OpenAI (and its subprocessors), solely to the extent necessary to operate the optional general-information Q&A assistant on this website when you choose to use it;
• professional advisers where permitted;
• regulators or law enforcement when required or authorised by law.

We do not sell your personal information.

You may request access to the personal information we hold about you, subject to exceptions under the Privacy Act. You may also ask us to correct information that is inaccurate, incomplete, or out of date.

Requests should be directed to the contact details below. We will respond within a reasonable period. If we refuse access or correction, we will explain why where we are required to do so.

By providing personal information to us — including through this website, phone, email, or meetings — you consent to our collection, use, and disclosure of that information in line with this policy, as updated from time to time.

Where credit-related information is involved, we will obtain any additional consents required under the Privacy Act and Privacy (Credit Reporting) Code before we proceed.

We welcome compliments and feedback. If you have a complaint about how we have handled your personal information, or about our services more broadly, please contact us using the details below in the first instance.

Privacy Officer / Contact: Bishnu Adhikari, Azure Home Loans
Email: bishnu@azurehomeloans.com.au
Phone: 0400 77 77 55

We will acknowledge receipt of complaints relating to privacy as soon as practicable and aim to respond within 30 days. If you are not satisfied with our response, you may refer the matter to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

If your complaint relates to credit assistance or a credit product, and we cannot resolve it to your satisfaction, you may be eligible to lodge a complaint with the Australian Financial Complaints Authority (AFCA) — a free external dispute resolution scheme.

• Website: https://www.afca.org.au
• Email: info@afca.org.au
• Phone: 1800 931 678
• Postal address: GPO Box 3, Melbourne VIC 3004

Time limits can apply to external complaints — check AFCA guidance for eligibility and timeframes.

We may update this Privacy Policy from time to time. The current version will be published on this page with an updated "Last updated" date. Material changes will be reflected here; where required by law, we will notify you.