Privacy Policy & Terms

1. Privacy Policy

1.1 Overview

Qube Mortgage Services complies with the Privacy Act 1988 (Cth) and Australian Privacy Principles (APPs). We are committed to protecting personal and credit-related information.

1.2 Information We Collect

We may collect:

• Personal details (name, DOB, address, contact info)
• Employment and income details
• Financial and banking information
• Identification documents
• Credit-related information (with consent)

1.3 How We Collect Information

We collect information through:

• Application forms and enquiries
• Direct communication (email, phone, website)
• Lenders and credit providers
• Credit reporting bodies (CRBs)
• Identity verification services

1.4 Purpose of Collection

We use your information to:

• Provide mortgage broking and credit assistance services
• Assess loan suitability and borrowing capacity
• Submit applications to lenders
• Verify identity and comply with AML/CTF laws
• Improve service delivery

1.5 Disclosure

We may disclose your information to:

• Banks, lenders, and financial institutions
• Credit reporting bodies (CRBs)
• Mortgage insurers
• Service providers (IT systems, cloud storage, CRM platforms)
• Identity verification services
• Legal, accounting, or compliance advisers
• Government or regulatory authorities if required by law

We do not sell your personal information.

1.6 Security

Storage and Security
We take reasonable steps to protect your information from misuse, interference, loss, and unauthorised access, including:

• Secure digital storage systems and encrypted platforms
• Restricted access to personal and credit data
• Secure document handling and retention policies
• Staff confidentiality obligations and training

Despite our efforts, no data transmission over the internet can be guaranteed as fully secure.

1.7 Access & Correction

You may request access to the personal and credit information we hold about you. You may also request correction if it is inaccurate, incomplete, or outdated.
We will respond to all requests in accordance with the Privacy Act.

1.8 Complaints

If you believe we have breached your privacy, you may contact us using the details below. We will investigate and respond within a reasonable timeframe.
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).

1.9 Contact Us

Qube Mortgage Services
Email: admin@qubeservices.com.au
Phone: 03 6281 0072
Address: Level 2, 221 Liverpool Street, Hobart, TAS 7000

2. Credit Reporting Policy

2.1 Overview

We handle credit information in accordance with the Privacy (Credit Reporting) Code 2024.

2.2 Credit Information Collected

We may request your consent to access your credit report from credit reporting bodies (CRBs) such as:

• Equifax
• Experian
• Illion

With consent, we may access:

• Credit reports and scores
• Repayment history
• Defaults or court judgments
• Credit enquiries history

2.3 Use of Credit Information

We use credit data to:

• Assess loan eligibility
• Prepare and submit applications
• Provide responsible credit assistance
• Verifying financial capacity and risk assessment

We do not use credit data for marketing.

2.4 Disclosure

Credit information may be shared with:

• Lenders
• CRBs
• Mortgage insurers
• Authorised service providers

2.5 Rights

You may:

• Access your credit report
• Request corrections
• Contact CRBs directly for free reports (eligible cases)

We will assist you in resolving disputes with credit reporting bodies if required.

2.6 Complaints

If you have a complaint about how your credit information has been handled, you may contact us directly. If unresolved, you may escalate the matter to:

• The credit reporting body involved
• The Office of the Australian Information Commissioner (OAIC)

2.7 Overseas Disclosure of Credit Information

Some credit or IT service providers may store data overseas. We take reasonable steps to ensure they comply with Australian privacy standards and safeguard your information appropriately.

2.8 Consent

By using our services and signing a credit proposal or consent form, you authorise us to access, use, and disclose your credit information as outlined in this policy.

3. Terms & Conditions – Qube Mortgage Services

These Terms & Conditions (“Terms”) govern your use of the services provided by Qube Mortgage Services (“we”, “us”, “our”), including our website, credit assistance services, and mortgage broking activities.
By engaging our services, you agree to these Terms.

3.1 Service Nature

We provide credit assistance services only and are not a lender.

3.2 No Guarantee

We do not guarantee:

• Loan approval
• Interest rates
• Lender decisions

3.3 Client Responsibilities

You agree to:

• Provide accurate information
• Disclose financial obligations
• Respond promptly to requests

3.4 Fees & Commissions

We may receive:

• Upfront commissions from lenders
• Ongoing trail commissions

All disclosures are provided before application submission.

3.5 Limitation of Liability

To the maximum extent permitted by law, we are not liable for:

• Any loss arising from lender decisions
• Delays in processing loan applications
• Changes in interest rates or lending criteria
• Reliance on information provided by third parties

3.6 Website Use

You agree not to:

• Misuse our website or attempt unauthorised access
• Copy or reproduce content without permission
• Use the website for fraudulent or unlawful purposes

We may suspend or restrict access at any time.

3.7 Privacy

Your personal information is handled in accordance with our Privacy Policy and Credit Reporting Policy.

3.8 Governing Law

These Terms are governed by the laws of Tasmania, Australia, and you agree to submit to the jurisdiction of its courts.

4. Referral Privacy Notice

By submitting a referral, you acknowledge that Qube Mortgage Services will collect and use your personal information and the referred person’s contact details to contact them about our services.
All personal information is handled in accordance with our Privacy Policy and will not be used for any purpose other than managing the referral and providing mortgage services.