Legal
Privacy Policy
1. Overview
JTR Finance is operated by JTR Finance Pty Ltd, trading as JTR Finance (ABN 31 702 139 937). Jason Reynolds is a Credit Representative (Number 579973) of Australian Finance Group Ltd ACN 066 385 822, Australian Credit Licence 389087 ("AFG"). This policy explains how personal information is collected, held, used and disclosed in the course of providing mortgage broking and credit assistance services, and in operating this website.
This policy is intended to comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). As a Credit Representative of AFG, personal information handled in connection with credit assistance may also be subject to AFG's own privacy policy and procedures.
2. Personal information we collect
Depending on the services requested, the personal information collected may include:
- Name, date of birth, contact details and identification documents.
- Financial information such as income, expenses, assets, liabilities and existing lending, provided in connection with an application for credit assistance.
- Employment and residential history.
- Property details relevant to a purchase, refinance or security.
- Information provided to assess borrowing capacity and suitability of credit products.
3. How personal information is collected
Personal information is generally collected directly from you — through this website's contact form, by phone, by email, or in meetings. Information may also be collected from a third party (for example, a referrer, accountant or lender) where you have consented to that arrangement, or where otherwise permitted by law.
4. How personal information is used
Personal information is used to provide mortgage broking and credit assistance services, including assessing your circumstances and objectives, comparing lending options, preparing and submitting applications to lenders, and communicating with you about your application and ongoing relationship with JTR Finance.
Information may also be used to comply with legal and regulatory obligations, including those arising under the National Consumer Credit Protection Act 2009 (Cth) and responsible lending obligations.
5. Disclosure of personal information
Personal information may be disclosed to lenders and their representatives, mortgage aggregators (including AFG), credit reporting bodies, mortgage insurers, valuers, and other parties reasonably necessary to assess and process a credit assistance application. Personal information may also be disclosed where required or authorised by law.
6. Credit reporting information
In connection with an application for credit assistance, it may be necessary to request a credit report from a credit reporting body. This is done in accordance with Part IIIA of the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code, and generally requires your consent.
7. Data quality and security
Reasonable steps are taken to ensure personal information held is accurate, complete and up to date, and to protect it from misuse, interference, loss, and unauthorised access, modification or disclosure.
8. Access and correction
You may request access to, or correction of, the personal information held about you by contacting Jason Reynolds using the details below. In some circumstances access may be limited in accordance with the Privacy Act.
9. Privacy complaints
If you have a concern about how your personal information has been handled, you can contact Jason Reynolds using the details below. If a complaint cannot be resolved directly, you may be entitled to raise it with the Office of the Australian Information Commissioner (OAIC) or the Australian Financial Complaints Authority (AFCA).
10. Contact us
Questions about this Privacy Policy, or requests regarding your personal information, can be directed to:
Jason Reynolds
JTR Finance
jason@jtrfinance.com.au
0481 872 446
11. Changes to this policy
This policy may be updated from time to time. The current version will always be available on this page.