Privacy Policy
Last updated: 5 February 2026
1. Introduction
Bendigo Home Loan Broker ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at https://bendigohomeloanbroker.com.au and use our services.
We comply with the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) and, where applicable, the General Data Protection Regulation (GDPR) for visitors from the European Union.
By using our website, you consent to the collection and use of information in accordance with this policy.
2. Information We Collect
2.1 Information You Provide
We collect information that you voluntarily provide when you:
- Complete our contact or enquiry forms
- Request a quote or consultation
- Communicate with us via email, phone, or other channels
This information may include:
- Name
- Phone number
- Message content or enquiry details
- Any other information you choose to provide
2.2 Information Collected Automatically
When you visit our website, we may automatically collect certain information, including:
- IP address (anonymised)
- Browser type and version
- Operating system
- Pages visited and time spent on pages
- Referring website address
- Device type (desktop, mobile, tablet)
- General geographic location (country/region level)
This information is collected using privacy-focused analytics (see Section 7: Cookies).
3. How We Use Your Information
We use the information we collect for the following purposes:
- Responding to enquiries: To answer your questions, provide quotes, and communicate about our services
- Connecting you with brokers: To match you with qualified mortgage brokers from our network who can assist with your home loan needs
- Communication: To send you relevant information about our services, with your consent where required
- Website improvement: To analyse how visitors use our website and improve user experience
- Legal compliance: To comply with applicable laws, regulations, and legal processes
- Business operations: To manage our business relationship with you
We will not use your personal information for purposes other than those outlined in this policy without your consent.
4. Third-Party Services
We may share your information with the following categories of third parties:
4.1 Network Brokers
When you submit an enquiry, your contact details may be shared with qualified mortgage brokers in our network to facilitate the service you have requested. These brokers are independent professionals who operate under their own privacy obligations.
4.2 Form Processing
Contact form submissions may be processed through third-party form handling services. These services are bound by their own privacy policies and data processing agreements.
4.3 Analytics
We use privacy-focused analytics to understand website usage. Our analytics solution does not use cookies for tracking and does not collect personally identifiable information.
4.4 Hosting
Our website is hosted by third-party hosting providers who may process data as part of providing their services.
4.5 No Sale of Data
We do not sell, rent, or trade your personal information to third parties for their marketing purposes.
4.6 Legal Requirements
We may disclose your information if required by law, court order, or government regulation, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
5. Data Retention
We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, including:
- Enquiry data: Retained for the duration of our business relationship plus 7 years for legal and accounting purposes
- Analytics data: Aggregated and anonymised data may be retained indefinitely
- Communication records: Retained for as long as necessary to provide services and comply with legal obligations
When personal information is no longer required, we will securely delete or de-identify it.
6. Your Rights
Under Australian privacy law and, where applicable, GDPR, you have the following rights:
6.1 Access
You have the right to request access to the personal information we hold about you. We will respond to your request within a reasonable timeframe.
6.2 Correction
You have the right to request correction of any inaccurate or incomplete personal information we hold about you.
6.3 Deletion
You may request that we delete your personal information. We will comply with your request unless we are required to retain the information for legal or legitimate business purposes.
6.4 Data Portability (GDPR)
If you are located in the European Union, you have the right to receive your personal data in a structured, commonly used, and machine-readable format.
6.5 Objection and Restriction (GDPR)
If you are located in the European Union, you have the right to object to processing of your personal data and to request restriction of processing in certain circumstances.
6.6 Withdrawal of Consent
Where we rely on your consent to process your personal information, you have the right to withdraw that consent at any time.
6.7 How to Exercise Your Rights
To exercise any of these rights, please contact us using the details in Section 11. We may need to verify your identity before processing your request.
6.8 Complaints
If you believe we have breached the Australian Privacy Principles or your privacy rights, you may lodge a complaint with us. If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
8. Security
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure.
Security measures include:
- SSL/TLS encryption for data transmission
- Secure hosting infrastructure
- Limited access to personal information
- Regular review of data handling practices
However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your personal information, we cannot guarantee its absolute security.
9. International Visitors
Our website is operated from Australia. If you are visiting from outside Australia, please be aware that your information may be transferred to, stored, and processed in Australia.
By using our website, you consent to the transfer of your information to Australia, which may have different data protection laws than your country of residence.
9.1 European Union Visitors
If you are located in the European Union, we process your personal data in accordance with the GDPR. The lawful bases for our processing include:
- Consent: Where you have given clear consent for us to process your personal data
- Contract: Where processing is necessary for a contract with you
- Legitimate interests: Where processing is necessary for our legitimate business interests, provided these do not override your rights
- Legal obligation: Where processing is necessary for compliance with legal obligations
10. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.
When we make changes, we will:
- Update the "Last updated" date at the top of this policy
- Post the revised policy on our website
- For material changes, we may provide additional notice (such as on our homepage)
We encourage you to review this policy periodically to stay informed about how we protect your information.
11. Contact Us
If you have any questions about this Privacy Policy, wish to exercise your rights, or have a complaint about our handling of your personal information, please contact us:
- Business: Bendigo Home Loan Broker
- Email: loans@bendigohomeloanbroker.com.au
- Phone: 03 5609 3863
- Website: https://bendigohomeloanbroker.com.au
We will respond to your enquiry as soon as reasonably practicable and within any timeframes required by law.