Privacy Policy

To provide credit assistance and arrange finance, we collect personal information about you, which may include: your name, contact details and date of birth; identification documents; employment and income details; your assets, liabilities, expenses and financial position; your requirements and objectives; details of the loan or property; and, where relevant, information about your partner, dependants or guarantors. We may also collect sensitive information (such as health information for insurance referrals) only with your consent.

We usually collect personal information directly from you, through conversations, meetings, our forms and fact finds, and the documents you provide. Where you have consented or where the law allows, we may also collect it from third parties such as your accountant, employer, lenders, your referrer, or credit reporting bodies.

We collect and use your personal information to:

• assess your needs and objectives and provide credit assistance;
• prepare and submit loan applications and supporting documents to lenders;
• comply with our responsible lending and best interests duty obligations under the National Consumer Credit Protection Act 2009 (Cth);
• arrange referrals you ask for, such as to a financial adviser or insurer;
• manage our relationship with you and provide ongoing service; and
• meet our legal, regulatory and record-keeping obligations.

If you do not provide the information we ask for, we may not be able to assist you with your finance.

We may disclose your personal information to:

• lenders and credit providers, to assess and arrange your finance;
• our licensee and aggregator, Australian Finance Group Ltd (AFG), including its panel and systems;
• valuers, insurers, mortgage insurers, conveyancers, solicitors and other parties involved in your transaction;
• credit reporting bodies, and other service providers who help us run our business; and
• government bodies, regulators, courts and law enforcement where required or authorised by law.

We do not sell your personal information.

We use service providers to help us run our business, and some of our team work from the Philippines. Some of these providers are based overseas, so your personal information may be disclosed to, or stored by, a recipient outside Australia. This is who they are, what they do for us, and the country each is based in:

• Our offshore team members, who help with loan processing, administration and support (Philippines)
• Resend, which delivers the emails we send you, including any documents attached to them (United States)
• Anthropic, whose AI (Claude) helps our team draft file notes, summarise calls, prepare documents and sort our email, and helps prepare replies on our client message page where we offer it. It can receive details from your file, call transcripts, and emails and messages you send us (United States)
• AssemblyAI, which turns recordings of our calls with you into text (United States)
• OpenAI, a backup call transcription service, used only if we switch it on (United States)
• HighLevel (also known as GoHighLevel or LeadConnector), which holds your contact details and our text messages, call recordings and appointment bookings with you (United States)
• Zapier, which passes details from your file between our systems, including to our loan processing software (United States)
• Microsoft, which hosts our business email (Microsoft 365), including the emails you send us and we send you, and, where we switch it on, lets our systems read and send email in our mailboxes (United States)

Our client database and file storage (Supabase) and the system that runs our client management software (Google Cloud) are located in Sydney, Australia, and our loan processing software (BrokerEngine) is Australian.

Where we disclose your information to an overseas recipient, we take reasonable steps to ensure they handle it in accordance with the Australian Privacy Principles and under confidentiality obligations and contract. By engaging us, you consent to this handling of your information.

We hold your information in secure systems and take reasonable steps to protect it from misuse, interference, loss, and unauthorised access, modification or disclosure. Access is restricted to authorised personnel who are bound by confidentiality obligations, and activity in our systems is logged. We retain your information for as long as required to provide our services and to meet our legal obligations, and then take reasonable steps to destroy or de-identify it.

You can ask us for access to the personal information we hold about you, and ask us to correct it if it is inaccurate, out of date or incomplete. Contact us at admin@ryte.com.au or 1800 663 665.

If you have a privacy concern or complaint, please contact us first and we will respond within a reasonable time. If you are not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or 1300 363 992.

We may update this Privacy Policy from time to time. The current version is the one published here.