Privacy Matters
At Vairo Group, 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 Group is a mortgage and finance brokerage dedicated to helping Australians make informed lending decisions.
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.
Privacy Complaints
If you have concerns about how your information has been handled, we encourage you to contact us first so we can investigate and attempt to resolve the issue promptly.
Email: hello@vairofinance.com
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).
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 Group
Email: hello@vairofinance.com
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 Group 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 Group 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).