Privacy Policy & Terms of Use

1. About this policy
Waymaker Pty Ltd (ABN 83 640 132 592) (“Waymaker”, “we”, “us”) provides financial coaching and mortgage broking. Our brokers are Authorised Credit Representatives of Finsure Finance and Insurance Pty Ltd (Australian Credit Licence 384704).

This policy explains how we collect, use, share and protect your personal information. We follow the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

If you use Compass, our client app, the Compass Privacy Policy also applies.

2. What we collect
We collect what we need to coach you and help with your loan. Depending on the service, this may include:

• your name, contact details, date of birth and family circumstances

• employment, income and expense details

• assets, liabilities, bank statements and transaction records

• credit information, such as your credit report, repayment history and existing loans

• property details and your home loan goals

• ID documents, such as your driver’s licence or passport, when a lender or the law requires us to verify who you are

• notes, recordings and summaries from our calls and meetings

• website and app usage data, including cookies.

We don’t collect your tax file number. We only collect sensitive information, such as health details, when your application needs it and you agree.

3. How we collect it
Most information comes straight from you, through calls, meetings, forms, Compass, emails and messages. With your consent, we may also collect it from:

• lenders and credit reporting bodies

• your accountant, financial adviser or other professionals you ask us to work with

• online services you choose to connect, such as bank statement tools.

4. Why we collect it
We use your information to:

• build and track your coaching plan

• find loan options, prepare and submit applications, and act in your best interests as the law requires

• verify your identity

• process payments and manage your account

• send you updates, newsletters and podcast news (you can opt out anytime)

• improve our services

• meet our legal obligations, including under the National Consumer Credit Protection Act 2009 (Cth).

If you don’t give us the information we ask for, we may not be able to help you.

5. Credit information
When we help with a loan, we use your credit information to understand your situation and find suitable options. We share it with the lenders you choose to apply with. With your consent, we or the lender may get your credit report from a credit reporting body. Each lender explains how it handles credit information in its own privacy policy.

6. Who we share it with
We may share your information with:

• lenders and lenders mortgage insurers you apply with

• Finsure, our licensee, which oversees our compliance and may review client files

• valuers, conveyancers, solicitors and settlement agents involved in your loan

• specialist partners, such as financial advisers, accountants and buyers agents, when you engage their services or ask us to share it with them

• our service providers, including CRM, email, SMS, payment, cloud storage and AI providers

• regulators, AFCA, courts or police when the law requires it.

You can ask us to stop sharing with a specialist partner at any time. We never sell your personal information.

7. How we use artificial intelligence (AI)
We use AI tools to help us analyse information and prepare our work. AI never makes decisions about you. Your broker or coach reviews what it produces and makes every recommendation.

7a. How our team uses AI
We use AI to:

• transcribe and summarise calls and meetings (we’ll tell you at the start if a call is being recorded)

• draft notes, emails and follow-ups for our team to review

• help analyse your income, expenses and goals when we prepare your coaching plan or loan options

• keep our client records up to date.

The personal information AI may use includes your contact details, what you share in calls, and the financial information in your file and in Compass.

7b. Atlas, the AI assistant in Compass
Compass has AI built in. Atlas answers money questions using our podcast and resources. If you switch on “Read my Compass data”, the relevant parts of your Compass information are sent to our AI provider to answer your question. Your chats are saved only in your browser and deleted when you start a new conversation. Our team can’t see them. Atlas gives general information, not personal financial advice. The Compass Privacy Policy has more detail.

7c. Lenders’ decisions
When we submit a loan application, the lender makes its own credit decision and may use automated systems to do it.

7d. Our AI providers
Our AI providers don’t use your information to train their AI models. Some of them are based in the United States (see section 8). If you’d prefer we didn’t record your calls or use AI with your information, tell your broker or coach.

8. Overseas disclosure
Some of our providers, including our CRM, email, SMS, payment and AI software, store or process data outside Australia, mainly in the United States. We take reasonable steps to make sure they handle your information consistently with the APPs.

9. How we protect your information
We use secure cloud systems, encryption, multi-factor login and role-based access. Only staff who need your information can see it, and our team is trained in privacy. If a data breach is likely to cause you serious harm, we’ll notify you and the OAIC as the law requires.

10. How long we keep it
We keep your information while we’re working with you, and for at least seven years afterwards to meet credit and tax record-keeping laws. After that we delete or de-identify it.

11. Access and correction
You can ask to see the information we hold about you, or ask us to correct it. Email support@waymakerfinance.com.auand we’ll respond within 30 days. There’s no charge to make a request. If we can’t give you access, we’ll explain why.

12. Complaints
If you have a privacy concern, please contact us first at support@waymakerfinance.com.au. We’ll respond within 30 days.

If you’re not happy with our response, you can contact:

• Australian Financial Complaints Authority (AFCA), for complaints about credit or our broking services: www.afca.org.au, 1800 931 678, info@afca.org.au

• Office of the Australian Information Commissioner (OAIC): www.oaic.gov.au, 1300 363 992.

13. Changes to this policy
We may update this policy from time to time. The latest version is always on our website, with the date it was last updated.

14. Contact us
Waymaker Pty Ltd
Email: support@waymakerfinance.com.au
Post: 372 Stenner Street, Kearneys Spring QLD 4350