Privacy Policy

1. Who We Are

Mankin Finance Pty Ltd ("Mankin Finance", "we", "us", "our") is a mortgage broking business operating as a Credit Representative (Credit Rep No. 102746) of Yellow Brick Road Finance Pty Ltd (ACL 390261). We are located at Suite 208, Oran Park Podium, 351 Oran Park Drive, Oran Park NSW 2570.

Our Privacy Officer can be contacted at [email protected].

2. What Personal Information We Collect

The types of personal information we collect depends on the nature of your interaction with us and may include:

Identity and Contact Information

• Full name, date of birth, and gender
• Residential and postal addresses
• Phone numbers and email addresses
• Driver's licence, passport, or other identification documents

Financial Information

• Income, employment details, and payslips
• Bank statements and transaction history
• Existing debts, liabilities, and credit commitments
• Assets, savings, and property ownership details
• Tax File Number (where required by law)
• Credit history and credit scores

Website and Technical Information

• IP address, browser type, and device information
• Pages visited, time spent, and referring URLs
• Cookies and similar tracking technologies
• Form submissions and enquiry content

Sensitive Information

We only collect sensitive information (such as health information) where it is necessary to provide our services and with your consent, or where we are required or authorised by law to do so.

3. How We Collect Your Information

We collect personal information in the following ways:

• Directly from you — via enquiry forms, phone calls, emails, in-person meetings, or our online application tool
• From third parties — including lenders, credit bureaus (such as Equifax and Illion), referrers, and government agencies
• Automatically — through our website via cookies, analytics tools (Google Analytics), and web forms
• From publicly available sources — such as ASIC registers, property databases, or LinkedIn

We will always tell you why we are collecting your information and how it will be used.

4. How We Use Your Information

We use your personal information for the following purposes:

5. Who We Share Your Information With

We may disclose your personal information to:

• Lenders and credit providers — banks, credit unions, non-bank lenders, and other financial institutions in connection with your loan application
• Yellow Brick Road Finance Pty Ltd — our Australian Credit Licensee, for compliance and oversight purposes
• Credit reporting bodies — such as Equifax, Illion, and Experian, to obtain credit reports where you have consented
• Professional advisers — including accountants, financial planners, solicitors, and valuers where relevant to your matter
• Technology and software providers — including CRM systems, document management platforms, and cloud storage providers (subject to data security agreements)
• Government agencies and regulators — including ASIC, AFCA, and AUSTRAC where required by law
• Referral partners — real estate agents, financial planners, or accountants who referred you to us

We do not sell your personal information to third parties. We do not share your information for the commercial benefit of others without your consent.

6. Overseas Disclosure

Some of our technology service providers may store or process data overseas, including in the United States, United Kingdom, and European Union. We take reasonable steps to ensure these providers comply with privacy standards equivalent to Australian law. Where we disclose information overseas, we remain responsible for ensuring the information is handled appropriately under Australian Privacy Principle 8.

7. Cookies and Website Tracking

Our website uses cookies and similar technologies to:

• Improve your browsing experience and remember preferences
• Analyse traffic and usage patterns via Google Analytics
• Support our chatbot and lead capture functionality
• Enable social media sharing features

You can control cookies through your browser settings. Disabling cookies may affect some website functionality. By continuing to use our website, you consent to our use of cookies.

8. Security of Your Information

We take the security of your personal information seriously. We implement appropriate technical and organisational measures including:

• SSL/TLS encryption for all data transmitted via our website
• Secure, access-controlled systems for storing personal and financial information
• Two-factor authentication for staff accessing client data
• Regular security reviews and staff training
• Engagement of reputable technology providers with their own security certifications

Despite our best efforts, no method of electronic transmission or storage is 100% secure. If you suspect your information has been compromised, please contact us immediately at [email protected].

9. Data Retention

We retain your personal information for as long as necessary to provide our services and meet our legal obligations. Specifically:

• Client files are retained for a minimum of 7 years from the date of settlement or last service, as required by the NCCP Act
• Marketing data is retained until you unsubscribe or withdraw consent
• Website analytics data is retained for up to 26 months

When personal information is no longer required, we will securely destroy or de-identify it.

10. Your Rights

Under the Privacy Act 1988 (Cth), you have the following rights:

• Access — You can request access to the personal information we hold about you
• Correction — You can request we correct any inaccurate, incomplete, or outdated information
• Complaint — You can lodge a privacy complaint with us, which we will investigate and respond to within 30 days
• Withdraw consent — You can withdraw consent to marketing communications at any time by contacting us or using the unsubscribe link in our emails
• Anonymity — Where practical and lawful, you may interact with us anonymously or using a pseudonym

To exercise any of these rights, please contact us at [email protected].

11. Credit Reporting

As a credit assistance provider, we may access credit reporting information from credit reporting bodies (CRBs) such as Equifax and Illion. We use this information only to:

• Assess your eligibility for credit products
• Verify information you have provided
• Meet our responsible lending obligations

We will only access your credit report with your express consent, which is captured during our initial engagement process. Your credit reporting information will be handled in accordance with our Credit Reporting Policy, available on request.

12. Marketing Communications

With your consent, we may contact you with relevant information including:

• Interest rate changes and RBA announcements
• Property market updates
• Finance tips and guides
• Seasonal promotions or events

You can opt out of marketing communications at any time by:

• Clicking "Unsubscribe" in any email we send
• Emailing us at [email protected]
• Calling us on +61 420 699 983

13. Privacy Complaints

If you believe we have breached your privacy, please contact our Privacy Officer:

• Email: [email protected]
• Phone: +61 420 699 983
• Mail: Privacy Officer, Mankin Finance Pty Ltd, Suite 208, Oran Park Podium, 351 Oran Park Drive, Oran Park NSW 2570

We will acknowledge your complaint within 2 business days and aim to resolve it within 30 calendar days. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC):

• Website: www.oaic.gov.au
• Phone: 1300 363 992

14. Changes to This Policy

We may update this Privacy Policy from time to time. The current version will always be available on our website at www.mankinfinance.com.au/privacy-policy.html. Significant changes will be notified via email to clients where we hold your email address.

15. Contact Us

For any privacy-related questions, access requests, or concerns, please contact: