Privacy Matters
At Vairo Finance, we understand that applying for finance requires you to share some of your most important personal and financial information. Protecting that information is something we take seriously.
This Privacy Policy explains how we collect, use, store, disclose, and protect your personal information when you engage with us, visit our website, or enquire about our services.
We handle personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and applicable credit reporting laws.
Who We Are
Vairo Finance Pty Ltd is a mortgage and finance brokerage dedicated to helping Australians make informed lending decisions. ABN 94 701 614 066.
Vairo Finance Pty Ltd is a credit representative, Credit Representative 581146, authorised under Australian Credit Licence 389328.
Whether you're buying your first home, investing, building, refinancing, or simply exploring your options, we collect and use information only where reasonably necessary to provide advice and assistance throughout the lending process.
If you have any questions about this Privacy Policy, please contact us at:
Email: hello@vairofinance.com
What Information We Collect
To provide finance and mortgage broking services, we may collect information including:
- Your name, address, date of birth, and contact details
- Employment and income information
- Assets, liabilities, and financial position
- Identification documents
- Credit-related information
- Lending goals and objectives
- Information provided through forms, emails, phone calls, meetings, or our website
- Information required to verify your identity and assess lending suitability
In some circumstances, we may collect sensitive information where necessary and permitted by law, including hardship or health-related information relevant to a finance application.
Why We Collect Your Information
We collect personal information so we can:
- Assess your borrowing capacity and lending needs
- Recommend suitable loan products and lenders
- Prepare and submit finance applications on your behalf
- Verify your identity
- Communicate with lenders, banks, and service providers
- Comply with legal and regulatory obligations
- Manage our relationship with you
- Improve our services and customer experience
- Respond to enquiries and support requests
- Provide relevant updates, educational content, and marketing communications
You can unsubscribe from marketing communications at any time.
What Happens If You Don't Provide Information?
If you choose not to provide information we reasonably require, we may be unable to:
- Assess your financial position
- Recommend suitable lending options
- Submit finance applications
- Provide mortgage broking services
Simply put, the quality of our advice depends on having accurate and complete information.
How We Protect Your Information
Protecting your information is a priority.
We take reasonable steps to safeguard personal information from misuse, loss, unauthorised access, modification, or disclosure.
These measures may include:
- Secure electronic storage systems
- Password-protected software and platforms
- Access controls and authentication procedures
- Secure document management practices
- Staff confidentiality obligations
- Encrypted communication platforms where appropriate
We retain information only for as long as required to provide our services, comply with legal obligations, and meet regulatory record-keeping requirements.
Where appropriate, information is securely destroyed or de-identified when it is no longer required.
Who We Share Information With
As part of providing finance and mortgage broking services, we may share information with:
- Banks and lenders
- Mortgage aggregators
- Credit providers
- Valuers
- Solicitors and conveyancers
- Accountants and professional advisers (where authorised)
- Service providers who support our business operations
- Regulatory bodies and government agencies where required by law
We do not sell, rent, or trade your personal information.
Any third parties engaged by us are expected to handle information securely and in accordance with privacy obligations.
Credit Information
To assist with finance applications, we may collect and disclose credit-related information.
This may include information obtained from:
- Credit reporting bodies
- Lenders and credit providers
- Financial institutions
This information may be used to assess your eligibility for finance and assist in arranging credit products.
You may request access to credit-related information we hold and ask us to correct information that is inaccurate or incomplete.
Overseas Disclosure
Some technology providers, software platforms, or service providers we use may store or process information outside Australia.
Where this occurs, we take reasonable steps to ensure personal information remains protected and handled in accordance with Australian privacy standards.
Direct Marketing
From time to time, we may send information about:
- Home loan updates
- Market insights
- Interest rate changes
- Educational content
- Finance-related services
- Promotions and events
You can opt out at any time by contacting us or using the unsubscribe option included in electronic communications.
Website Cookies & Analytics
Our website may use cookies, analytics tools, and similar technologies to improve website functionality and user experience.
These technologies may collect information such as:
- Device type
- Browser information
- Pages viewed
- Time spent on the website
- Referral sources
This information helps us understand how visitors use our website and how we can improve it.
You can manage cookie preferences through your browser settings.
Data Breaches
If we become aware of a data breach likely to result in serious harm, we will take appropriate action in accordance with applicable laws.
This may include investigating the incident, containing the breach, and notifying affected individuals and regulators where required.
Accessing or Correcting Your Information
You may request access to the personal information we hold about you and request corrections if information is inaccurate, incomplete, or out of date.
We generally do not charge for access requests.
In limited circumstances permitted by law, access may be refused. If this occurs, we will explain why.
Compliments and Concerns
We always work hard to build strong and lasting relationships with our valued customers. By listening to your feedback, not only can we address any immediate concerns you may have, we will also continually improve our products and services.
We know there are times when you may wish to compliment us on something we have done well and other times when you may wish to tell us we have not met your expectations.
Compliments
Our representatives are always delighted to know that they have succeeded in making your experience a pleasant and successful one. If one of our representatives has provided you with exceptional service in any way, please let us know using the contact details below, so that we can further encourage them through this feedback process.
Concerns
If, for any reason, you do not feel that you have received the highest standard of care from us, we likewise encourage you to share this with us. We have developed a process that we believe makes it easy for you to tell us of your concerns and for them to be addressed quickly and fairly.
If you choose to contact us by email, please make sure you provide as much detail as possible about your complaint.
Email: hello@vairofinance.com
Phone: 0459 803 373
Need an Update on Your Complaint
If you have lodged a complaint with us, you can contact us at any time to ask for an update on its status. Contact us through either of the methods listed above and please be sure to refer to your earlier communication so that we can respond effectively.
Resolution
We will write to you to acknowledge your complaint within 24 hours to ensure we treat you fairly and will work to resolve your complaint as soon as possible. In the rare event that we are still investigating your complaint after 30 days, we will write to you to explain why and let you know when we expect to have completed our investigation.
When we have completed our investigation, we will write to let you know the outcome and the reasons for our decision.
Taking It Further
We hope that you will be satisfied with how we deal with your complaint. However, if your concerns remain unresolved, or you have not heard from us within 30 days, you can have your complaint heard by an independent party, the Australian Financial Complaints Authority:
Online: www.afca.org.au
Email: info@afca.org.au
Phone: 1800 931 678 (free call)
Mail: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
Time limits may apply to complain to AFCA, so you should act promptly or otherwise consult the AFCA website to find out if or when the time limit relevant to your circumstances expires.
For concerns specifically about how your personal information has been handled, you may also contact the Office of the Australian Information Commissioner if you are not satisfied with our response.
Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our services, technology, legal obligations, or business practices.
The latest version will always be available on our website.
Contact Us
Vairo Finance Pty Ltd
Email: hello@vairofinance.com
Phone: 0459 803 373
If you have any questions about this Privacy Policy or how we handle personal information, please contact us and we'll be happy to assist.
Your Acknowledgement
By engaging Vairo Finance or using our website, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and disclosure of your personal information as described above.
DHOAS Disclaimer
Where any reference is made to the Defence Home Ownership Assistance Scheme (DHOAS) across our website, marketing materials, or communications, the following statement applies:
We are unable to confirm your eligibility for DHOAS. For full eligibility criteria, visit dhoas.gov.au or call 1300 434 627.
Vairo Finance does not provide advice or education on DHOAS eligibility, entitlements, or subsidies. All enquiries regarding DHOAS eligibility should be directed to the Department of Veterans' Affairs (DVA).