Who are we?
‘We’, ‘us’ and ‘our’ refer to Mortgage Brokers Software Pty Ltd ACN 608 306 047 trading as BrokerEngine, BrokerEngine Plus and Finance Vault and its related entities (as defined in the Corporations Act 2001 (Cth)) including its parent entity, Australian Finance Group Ltd.
Our commitments to protect your privacy
We understand how important it is to protect your personal information. This document sets out our privacy policy commitment in respect of personal information we hold about you and what we do with that information.
We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed by law. It is important to us that you are confident that any personal information we hold about you will be treated in a way that ensures protection of your personal information.
Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act 1988 (Privacy Act) and any other relevant laws.
Personal information
When we refer to personal information we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you.
The kinds of personal information we may collect about you include:
- (Content) whatever Personal Information is included in content Organisations enter using Provider’s Services;
- (Identity Information) name, signature, date of birth, nationality, license & registration details, bank account details and other financial details, family details, employment details, educational qualifications, usernames;
- (Contact Information) email address, social media profiles, telephone & fax number, third-party usernames, residential, Provider and postal addresses;
- (Behaviour Information) habits, movements, trends, decisions, associations, memberships, finances, purchases, loans;
- (Internet Data) webpage views, IP address, referring web site addresses, location, browser type, operating system, domain name, access times and other data typically collected by analytics services like Google Analytics.
and any other information we may need to identify you.
When you visit our website or use our applications, we collect your location information, IP address, mobile device and network information and any third party sites you access. For more information on how we do this, visit BrokerEngine Terms and Conditions of Service and click on the Cookies link at the bottom of the page.
The personal information we may collect, hold and use may include your Credit-related information.
Credit-related information means:
- Credit information is personal information or an opinion about you that has a bearing on credit that has been provided to you or that you have applied for. This includes information about your identity; the type, terms and maximum amount of credit provided to you, including when that credit was provided and when it was repaid; repayment history information, default information (including overdue payments); payment information; new arrangement information; financial hardship arrangement information including whether you have made a financial hardship arrangement with us; details of any serious credit infringements; court proceedings information; personal insolvency information and publicly available information; and
- Credit eligibility information, which is credit reporting information supplied to us by a credit reporting body, and any information that we derive from it.
We use your credit-related information to assess your eligibility to be provided with finance. Usually, credit-related information is exchanged between credit and finance providers and credit reporting bodies.
Why we collect your personal information
We collect and receive personal information about you in order to conduct our business including for the purposes of establishing your identity, contacting you, managing our risk, and to comply with our legal obligations. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. Improvements in technology also enable organisations like ours to collect and use information to get a more integrated view of our customers. From time to time we may offer you other products and services.
If you use our products and services or apply for employment with us we will collect information about you to assist us to decide whether to engage with you and to thereafter manage your relationship with us.
We collect payment information in order to process your payments.
How do we collect your personal information?
Where reasonable and practical we will collect your personal information directly from you. We may also collect information about you that is publicly available, such as from public registers or social media, or made available by third parties. We may also collect your personal information from employers and other people such as accountants, lawyers and referees.
Do we disclose your personal information?
We may disclose your personal information:
- to our agents, contractors or external service providers to outsource certain functions, for example information technology support;
- to businesses we have a relationship with that may want to market products to you;
- to companies that provide information and infrastructure systems to us;
- to anybody who represents you, such as aggregators, lawyers, guardians, persons holding power of attorney and accountants;
- to anyone, where you have provided us consent;
- to our auditors, insurers, re-insurers and health care providers;
- to claims related providers, such as assessors and investigators who help us with claims;
- where we are required to do so by law, such as under the Anti-Money Laundering and Counter Terrorism Financing Act 2006 or in accordance with a subpoena or summons issued by a court;
- to organisations involved in our business, ratings agencies, agents, auditors or advisers, or any entity that has an interest in our business;
- to other financial institutions, for example for queries about applications you have submitted using our products or services;
- organisations that provide products or services used or marketed by us; or
- to your current or previous employer, referees or identity verification services.
Prior to disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that:
- the person or organisation has a commitment to protecting your personal information at least equal to our commitment; or
- you have consented to us making the disclosure.
New technologies and data analytic software allows us to combine information we have about you and our other customers, with data sources, such as third party websites or the Australian Bureau of Statistics. We are able to analyse this data to learn more about you and other customers, and how to improve our products and service we provide to you. We may use this combined data to help other businesses better understand their customers, however we will not provide any personal information about you unless we are legally required to.
Notifiable Data Breaches
The Privacy Act includes a Notifiable Data Breaches (NDB) scheme which requires us to notify you and the Office of the Australian Information Commissioner (OAIC) of certain data breaches and recommend steps you can take to limit the impacts of a breach (for example, a password change).
The NDB scheme requires us to notify about a data breach that is likely to result in serious harm to affected individuals. There are exceptions where notification is not required. For example, where we have already taken appropriate remedial action that removes the risk of serious harm to any individuals.
If we believe there has been a data breach that impacts your personal information and creates a likely risk of serious harm, we will notify you and the OAIC as soon as practicable and keep in close contact with you about the nature of the breach, the steps we are taking and what you can do to reduce the impacts to your privacy. If you believe that any personal information we hold about you has been impacted by a data breach, you can contact us at compliance@afgonline.com.au
Direct marketing
From time to time we may use your personal information to provide you with current information about changes to our organisation, or new products or services being offered by us or any company with whom we are associated.
If you do not wish to receive marketing information, you may at any time decline to receive such information by emailing us at marketing@afgonline.com.au. If the direct marketing is by email you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request within a reasonable timeframe.
Updating your personal information
It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.
If you wish to make any changes to your personal information, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate and complete.
Access and correction to your personal information
We will provide you with access to the personal and information we hold about you. You may request access to any of the personal information we hold about you at any time.
We may charge a fee for our costs of retrieving and supplying the information to you.
Depending on the type of request that you make, we may respond to your request immediately. Otherwise, we usually respond to you within seven days of receiving your request. We may need to contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious, or if the information is commercially sensitive.
An explanation will be provided to you if we deny you access to the personal information we hold about you.
If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information. Otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected your personal or credit-related information within 30 days.
We may need to consult with other entities as part of our investigation.
If we refuse to correct personal information, we will provide you with our reasons for not correcting the information.
Using government identifiers
When we collect government identifiers, such as tax file numbers, we do not use or disclose this information other than as required by law. We will never use a government identifier to identify you.
Business without identifying you
In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about our products or services.
Sensitive information
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
How safe and secure is your personal information that we hold?
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
Complaints
If you are dissatisfied with how we have dealt with your personal or information, or you have a complaint about our compliance with the Privacy Act, you may contact our complaints officer by email at complaints@afgonline.com.au .
We will acknowledge your complaint within 24 hours. We aim to provide you with a decision on your complaint within 30 days.
If you are dissatisfied with the response of our complaints officer you may make a complaint to our External Dispute Resolution Scheme, the Australian Financial Complaints Authority (AFCA) which can be contacted by phone on 1800 931 678, by email at info@afca.org.au, or in writing to GPO Box 3, Melbourne VIC 3001; or the OAIC which can be contacted on either www.oaic.gov.au or 1300 363 992.
Further information
You may request further information about the way we manage your personal information by contacting us at compliance@afgonline.com.au
Change in our privacy policy
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market practices.
As a consequence, we may change this privacy policy from time to time or as the need arises. You can always find the most up-to-date version on our website (https://brokerengine.com.au/privacy-policy/).
You may request this privacy policy in an alternative form.
This Privacy Policy was last updated in April 2025.
Cookies
The information that we collect from you when you interact with us online depends on the tasks you complete on this website. When you visit and browse through the website, we collect general information that is not capable of identifying you for statistical and maintenance purposes that enables us to continually evaluate the performance of this website. This general information includes the number of users visiting this website and the number of pages viewed as well as the path taken through this website.
This information is used to generate aggregated, anonymous information about how you and other users use this website and its features. For instance, we collect information about which pages on this website you visit most often, if you open or read the communications we send, which advertisements you view or interact with on this website or other websites on which our advertisements appear, and if you receive any error messages. The information collected may be used to improve users’ online experience generally, to collate statistics, or customise your online experience by showing you content we think you will like. We do not collect information that identifies you personally; however, if you have a registration account with us, the information collected by us using the cookies may be associated with your registration account.
We also may allow third-party advertisers to place their cookies on your device through their advertisements on this website. The information these third-party cookies collect is used to determine which third-party advertisements to display on this website, how often to display them, and in which locations of this websites the third-party advertisements perform best. These third-party cookies do not collect information that identifies you personally.
Any information, which is not capable of identifying you, is collected through code embedded in the webpages of this website. You cannot disable the code on these pages.
Other information, such as browser type, is included in a ‘cookie’ that is sent to your computer when you are completing certain tasks on this website. A cookie contains bits of information that enables our servers (i.e. the computers that house this website) to identify and interact efficiently with your computer. Cookies are designed to provide a better, more customised website experience, and to make it easier for you to use this website.
You can configure your browser to either accept all cookies, reject all cookies or to notify you when a cookie is being sent to your computer. The ‘help function’ on your browser will provide you with details on how to change your browser configurations. You will need to accept cookies in order to use some functionality on this website. If you do not wish to receive any cookies you may set your browser to refuse them. However, your use of our website may be affected.
Terms and Conditions
Issued DD MMMM 2024
‘We’, ‘us’ and ‘our’ refer to Mortgage Brokers Software Pty Ltd ACN 608 306 047 trading as BrokerEngine, BrokerEngine Plus, and Finance Vault (‘BrokerEngine’)and its related entities related businesses.
Terms and conditions of use
By accessing, viewing or otherwise using any of our websites, you acknowledge and agree to be subject to these Terms and Conditions of Use, our Privacy Policy and any other notices, disclaimers or terms and conditions contained on our websites, as amended or modified from time to time (together the Terms and Conditions of Use). If you do not accept our Terms and Conditions of Use you are not authorised to use our websites and should not continue to use them.
These are our current Terms and Conditions of Use and they replace any others which have appeared previously on any of our websites. We may at any time vary these Terms and Conditions of Use by publishing the new version on our websites. By accessing any of our websites you are deemed to accept the current Terms and Conditions of Use displayed. We reserve any and all rights not expressly granted in these Terms and Conditions of Use.
Calculators
Any calculators or information provided on our websites are provided for your convenience only and do not constitute either credit or financial advice.
All reasonable care has been taken in preparing and designing the calculators and tools; however, BrokerEngine provides no warranties and makes no representation that the information provided by the calculators and tools is appropriate for your particular circumstances or indicates you should follow a particular course of action.
The calculators are continually being improved and updated. Therefore, to ensure that users access the most current version of these, please do not reproduce them. Instead, you are welcome to link to the calculator landing pages, subject to the Linking to our websites requirements set out on this page.
Internet security risks
We cannot guarantee the security of any information you disclose online. By using our website, you acknowledge that you understand and agree to assume these risks. You agree that we shall not be responsible for any breach of security except in the case of our gross negligence or wilful misconduct.
If your browser is set up correctly, it should tell you whether the information you are sending us is secure (encrypted) or not (unencrypted). If it is secure, we currently use SSL encryption.
You also acknowledge that no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
The Internet is not a secure medium and communications to and from this website may be intercepted or altered in transit. We do not warrant that the website is free from anything which may damage any computer or other device which accesses the website or any data on such computer or other device.
There may be security risks in sending information via the Internet. You should assess these potential risks when deciding whether to use our online services.
Spam
BrokerEngine publishes electronic addresses on this website to facilitate communication relating to our business functions. This is not to be inferred as consent by BrokerEngine or the relevant addressees to receiving unsolicited commercial electronic messages or SPAM.
Links to other websites
Our websites may contain links to other websites operated by third parties that are not owned or controlled by BrokerEngine and its related companies. These links are provided for convenience and do not signify that we endorse or approve of the operators of any third party websites, or the information, graphics and material featured on third party websites. We have no control over the nature, content or availability of those sites.
To the extent permitted by law, we accept no responsibility or liability and give no warranty in any way in respect of third party websites or the goods and services offered to you on any third party websites, including but not limited to their privacy policies, security practices or terms of service.
We may receive payments from operators or owners of third party websites in relation to goods or services supplied to you by them as a result of you linking to their website from ours.
Please report any broken links to marketing@afgonline.com.au
Use by persons outside of Australia
Our websites are provided for use by Australian residents only, and the products and services described in them are not directed at anyone in any country other than Australia. If you are not one of our customers and are accessing our websites from outside Australia, you must not submit or attempt to submit any online application or request. Online applications and requests for products initiated outside of Australia will not be accepted from anyone who is not an existing customer.
The information contained in our websites has been prepared in accordance with the laws applicable to the Commonwealth of Australia. When you use the website, you accept that your use of the website, any information on the website and these Terms, will also be governed by the laws of Australia.
Any dispute or claim arising out of or in connection with these Terms or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of Australia and the Australian courts will have exclusive jurisdiction over any claim arising from, or related to, a visit to the website, although we retain the right to bring proceedings against you for breach of these Terms in your country of residence or any other relevant country.
Accessing our website form a mobile device If you access our website from a mobile device, you may not be able to access the full range of services which are ordinarily available from our website. If you are unable to view relevant information, you will need to obtain the information or document by accessing our website from a computer.
Third party software
Unless we tell you otherwise, any software you download from a third-party website is their product and not ours. We point that out because some products may be subject to a licence agreement between you and them.
To the extent permitted by law, we accept no responsibility or liability in respect of such third-party products, provide no warranty, and give no endorsement in respect of such products or any party connected with them. We do, however, welcome your feedback or suggestions concerning them.
No warranty or guarantee
While we have tried hard to make sure there are no mistakes in any of the information on our websites, we do not warrant that we have verified the information and we do not warrant the accuracy, adequacy or completeness of it or that the information is suitable for your intended use. Further, all information is subject to change without notice.
We recommend that you seek independent advice before acting upon any of the information on our websites.
We do not guarantee that our websites are free from viruses, or that access to our sites will be uninterrupted.
You acknowledge and agree that your use of our websites is at your own risk. You must ensure that that the process which you use for accessing our websites does not expose you to the risk of viruses or other forms of interference which may damage your own computer system.
Limitation of liability
Subject to any responsibilities which are implied by law and cannot be excluded, neither we, nor any of our employees, agents or officers are liable to you for any losses, damages, liabilities, claims or expenses (including but not limited to legal costs and defence or settlement costs) whether direct or indirect, whatsoever arising out of or referable to information on our websites or your use of our websites or any modification, suspension or discontinuance of our websites – whether in contract, tort including negligence, statute or otherwise. This includes the transmission of any viruses.
Our liability for a breach of a condition or warranty implied by law or otherwise, and which cannot be excluded, is limited to the extent possible, at our option, to:
- the resupply of the goods or services;
- the repair of the goods or services
- the payment of the cost of having the goods or services supplied again or repaired.
Copyright and trademarks
All information, material, text and graphics (‘Materials’) on our websites is the intellectual property of BrokerEngine unless stated otherwise and is protected by copyright. Other than for the purposes and subject to the conditions prescribed under the Copyright Act 1968 (Cth), no part of it may in any form or by any means (electronic, mechanical, micro copying, photocopying, recording, or otherwise) be reproduced, uploaded to a third party, linked to, framed, stored in a retrieval system or transmitted without our prior written permission.
You also must not in any form or by any means commercialise any information, products or services obtained from our websites without our prior written permission. Our websites include registered trademarks owned by us (or our licensors). You must not use any of our trademarks in any way without our prior written consent.
If you wish to reproduce any of our content you must first request our permission. If we grant our permission, you must give appropriate attribution to the author, firm and date of first publication. Please contact marketing@afgonline.com.au to request permission.
Linking to our websites
You must not link to any of our websites without our prior written permission. If we grant our permission, it is your responsibility to maintain the currency of your links to our site. Please contact marketing@afgonline.com.au us to request permission.
When referring to our publications or other downloadable documents please link to the relevant webpage on the BrokerEngine website that contains the download link. This is to ensure users get the most up to date information when page content changes. It also prevents users from getting a broken link if we change it.
Whistleblower Policy
BrokerEngine is part of Australian Finance Group Ltd (‘AFG’). AFG has a Whistleblower Policy in place to provide a framework for disclosure by a whistleblower of misconduct within AFG.
