Privacy Policy

This Privacy Policy is issued by Seross Finance Group Pty Ltd (ABN 66 611 070 083), trading as Ancora Finance ("we", "us", "our"). We are committed to handling your personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs) and, where applicable, Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code in relation to credit information.

Ancora Finance operates as a credit representative (Credit Representative Number 435456) of Connective Broker Services Pty Ltd, Australian Credit Licence 389328. We are a member of the Australian Financial Complaints Authority (AFCA Member Number 49967). This policy is supplemented by our Credit Guide, which sets out our dispute-resolution memberships.

1. What we collect

To arrange finance for you, we may collect:

• Identity information — name, date of birth, address, contact details and identification documents;
• Financial information — income, employment details, assets, liabilities, living expenses, bank statements and tax records;
• Credit information — repayment history, credit reports from credit reporting bodies, current and past credit arrangements;
• Sensitive information — only where relevant and with your consent (for example, health information supporting a hardship application);
• Website data — information you submit through our forms and calculators, and limited analytics data about how the site is used.

2. How we collect it

We collect information directly from you — in conversations, through documents you provide, and through forms and calculators on this website. With your consent, we may also collect information from third parties such as your employer, accountant, credit reporting bodies, lenders and our aggregator's loan-processing platform.

3. Why we collect it

We collect, hold and use your information to:

• assess your circumstances and identify credit products that may suit your needs and objectives;
• meet our legal obligations, including responsible lending obligations under the National Consumer Credit Protection Act 2009 (Cth) and identity verification under anti-money-laundering laws;
• submit and manage loan applications with lenders on your behalf;
• keep you informed about your application and, with your consent, about products and reviews relevant to you; and
• respond to enquiries submitted through this website.

4. Who we disclose it to

Depending on your transaction, your information may be disclosed to:

• lenders and lenders mortgage insurers considering your application;
• our aggregator and its loan-processing systems;
• credit reporting bodies;
• valuers, conveyancers, solicitors, accountants and financial advisers involved in your transaction, with your consent;
• our professional advisers, IT providers and compliance auditors, under confidentiality obligations; and
• government bodies and regulators where required by law.

We do not sell your personal information. We do not routinely disclose personal information overseas; if a service provider stores data outside Australia, we take reasonable steps to ensure it is handled consistently with the APPs.

5. How we hold and protect it

Your information is held in secure electronic systems, including our aggregator's CRM platform, protected by access controls and encryption in transit. Paper records, where they exist, are stored securely and destroyed when no longer required. We retain records for at least seven years where required by law, after which they are securely destroyed or de-identified.

6. Marketing

We may contact you about loan reviews, rate changes or products relevant to your situation. You can opt out at any time by replying to any message, or by contacting us using the details below, and we will stop within a reasonable period.

7. Website forms, calculators and analytics

Information you enter into our enquiry forms, guide downloads and calculators is sent to us by email and used solely to respond to your enquiry and provide the service requested. Calculator results are estimates for general information only. Our website may use basic analytics that collect anonymised usage data; we do not use this data to identify you.

8. Access and correction

You may request access to the personal information we hold about you, and ask us to correct it if it is inaccurate, out of date or incomplete. We will respond within a reasonable period and will not charge you for making a request. To do so, contact us using the details below.

9. Complaints

If you believe we have mishandled your personal information, please contact us first and we will work to resolve your complaint promptly:

• Ross Sergi — Director, Seross Finance Group Pty Ltd trading as Ancora Finance
• Phone: 0400 917 995
• Email: rsergi@ancorafinance.com.au

If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or 1300 363 992. You may also refer a complaint to the Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme: AFCA Member Number 49967 — afca.org.au, 1800 931 678.

10. Changes to this policy

We may update this policy from time to time. The current version will always be available on this page, with the date of the last update shown above.