Who are we?
‘We’, ‘us’, and ‘our’ refer to Liquid Frontier Pty Ltd, trading as InDepth Mortgage (ABN 60 638 717 969, Australian Credit Licence Number 570539), and our related businesses.
Our commitment to protect your privacy
At InDepth Mortgage, we recognize that the information you provide is private and personal. We are committed to ensuring you feel secure when dealing with us and to making you aware of how we protect your privacy and use your information. Our policies are designed to comply with Australian privacy laws, ensuring your personal information is fully protected.
We are committed to adhering to the Australian Privacy Principles for the protection of personal information, as outlined in the Privacy Act 1988 and any other relevant legislation.
Personal information
When we refer to personal information, we mean information from which your identity is reasonably identifiable. This may include information or opinions about you and may also include credit information.
Credit information is used to assess your eligibility for finance and may include details about any outstanding finance, your repayment history, and any defaults. This information is typically shared between credit providers, finance providers, and credit reporting bodies.
The types of personal information we may collect include your name, date of birth, address, account details, occupation, and any other information necessary to identify you. If you apply for finance, we may also collect details such as the ages and number of your dependants and cohabitants, the length of time at your current address, employment details, and proof of earnings and expenses. If you apply for an insurance product through us, we may collect health information with your consent.
Why we collect your personal information
We collect personal information to process your application to join our network, assess your eligibility for finance, and manage that finance. We may also use your personal information for direct marketing and to maintain our relationship with you. From time to time, we may offer you additional products or services.
To maintain a successful business relationship, we may disclose your personal information to organizations that provide products or services used or marketed by us. We may also share your personal information with organizations that have or are considering an interest in your finance or our business.
How do we collect your personal information?
Where reasonable and practical, we collect personal information directly from you. We may also collect information from finance brokers, accountants, lawyers, or other relevant parties.
Do we disclose your personal information?
We may disclose your personal information to:
- Prospective funders or intermediaries in relation to your finance requirements;
- Organizations involved in managing or administering your finance, such as third-party suppliers, printing and postal services, or call centers;
- Associated businesses that may wish to market products to you;
- Companies providing information and infrastructure systems to us;
- Your representatives, such as finance brokers, lawyers, or accountants;
- Anyone you have authorized us to share your information with;
- Entities as required by law, such as under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth);
- Investors, agents, advisers, or entities with an interest in our business;
- Your employer, referees, or identity verification services.
Before disclosing your personal information to another person or organization, we will take reasonable steps to ensure that:
(a) The person or organization has a commitment to protecting your personal information at least equal to ours, or
(b) You have consented to the disclosure.
We may use cloud storage to store your personal information, and the cloud storage or IT servers may be located outside Australia. We may also disclose your personal information to overseas entities providing support functions. For more information about these entities, please contact us at [email protected].
Direct marketing
We may use your personal information to provide you with updates about finance, offers, organizational changes, or new products and services offered by us or our associated companies.
If you do not wish to receive marketing information, you may opt out at any time by contacting us at +61 418 174 003 or [email protected], or by using the unsubscribe function in our emails. We will not charge you for processing your opt-out request and will take all reasonable steps to fulfill it promptly.
Updating your personal information
We strive to ensure the personal information we hold about you is accurate and up to date. During our relationship, we may ask you to inform us of any changes to your personal information.
You may contact us at [email protected] to update your personal information. We rely on you to ensure the information we hold is accurate and complete.
Access and correction to your personal information
You may request access to the personal information we hold about you at any time. We may charge a fee to cover the costs of retrieving and providing this information.
We will typically respond to access requests within seven days, though immediate responses may be provided depending on the request. We may need to consult other entities to investigate your request thoroughly.
In some cases, we may not be required to provide access, such as when the information relates to legal proceedings or if the request is deemed vexatious. If access is denied, we will provide an explanation.
If the personal information we hold is incorrect, inaccurate, or outdated, you may request corrections. We will respond to correction requests within seven days and, where appropriate, correct the information within 30 days after investigation. We may consult other entities during this process.
If we refuse to correct your personal information, we will provide reasons for the refusal.
Using government identifiers
If we collect government identifiers, such as your tax file number, we will not use or disclose this information except as required by law. We will never use a government identifier to identify you.
Business without identifying you
Where lawful and practicable, we offer the opportunity to conduct business without providing personal information, such as when making general inquiries about interest rates or promotional offers. However, in most cases, identifying you is necessary to provide our services.
Sensitive information
We will only collect sensitive information, such as information about your racial or ethnic origin, political persuasion, memberships, sexual preferences, criminal record, or health, with your consent.
How safe and secure is your personal information?
We take reasonable steps to protect your personal information by storing it in a secure environment, whether in paper or electronic form. We also take measures to prevent misuse, loss, unauthorized access, modification, or disclosure of your personal information.
Complaints
If you are dissatisfied with how we have handled your personal information or believe we have breached the Privacy Act, please contact our complaints officer at [email protected].
We will acknowledge your complaint within seven days and provide a decision within 30 days.
If you are not satisfied with our response, you may lodge a complaint with the Australian Financial Complaints Authority (AFCA), which offers free and independent financial services complaint resolution.
AFCA Contact Details:
Website: www.afca.org.au
Email: [email protected]
Telephone: 1800 931 678 (free call)
In writing: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001
Further information
You may request additional information about how we manage your personal information by contacting us at [email protected].
Change in our privacy policy
We regularly review our policies to align with market expectations, technological advancements, and legal requirements. As a result, we may update this Privacy Policy from time to time.
You may request this Privacy Policy in an alternative format by contacting us.
This Privacy Policy was last updated on 15 September 2025.
