Privacy Policy

Introduction

In this Privacy Policy, “Mesh Finance”, “we”, “us” and “our” refer to Rebello Enterprises Pty Ltd trading as Mesh Finance (ABN 40 160 343 484), Credit Representative Number 506123. Mesh Finance is authorised as a credit representative of Finsure Finance and Insurance Pty Ltd (ABN 72 068 153 926), Australian Credit Licence 384704.

We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, hold, use and disclose personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and, where applicable, the credit reporting provisions of the Privacy Act and the Privacy (Credit Reporting) Code 2014.

This Privacy Policy applies when you contact us, use our website, request information, make an enquiry or engage us to assist with a finance application.

Why we collect personal information

We may collect and hold personal information to:

• understand your goals, financial position and lending requirements;
• assess, prepare, submit and manage applications for finance;
• recommend and arrange credit products and related services;
• verify your identity and meet our legal and regulatory obligations;
• communicate with lenders, mortgage insurers, valuers, credit reporting bodies and other service providers involved in your application;
• manage our relationship with you and provide ongoing support;
• respond to enquiries, feedback or complaints;
• improve our services, website and client experience;
• send you information about products, services or updates that may be relevant to you, where permitted by law; and
• comply with obligations relating to responsible lending, fraud prevention, anti-money laundering, counter-terrorism financing and other applicable laws.

The personal information we collect

The information we collect will depend on the services you request and may include:

• your name, date of birth and contact details;
• your residential and postal addresses;
• identification documents, such as your driver's licence, passport, Medicare card, birth certificate, citizenship certificate or marriage certificate;
• information about your family circumstances, dependants and living arrangements;
• employment, business and income information;
• details of your assets, liabilities, expenses, savings and financial commitments;
• bank statements, payslips, tax returns, notices of assessment and other supporting documents;
• information about properties you own, are selling or intend to purchase;
• information about your existing and proposed loans;
• credit information and credit eligibility information, including credit reports, repayment history, defaults, hardship information and credit enquiries;
• residency, visa and tax residency information;
• information provided through our website, online forms, calculators, email, telephone calls, meetings or third-party platforms; and
• any other information reasonably required to provide our services or meet our legal obligations.

We may collect sensitive information where it is reasonably necessary and permitted by law. For example, information about your health may be relevant to an insurance application or a financial hardship matter. We will generally collect sensitive information with your consent.

How we collect personal information

We usually collect personal information directly from you when you:

• contact or meet with us;
• complete an enquiry, application or consent form;
• upload or email documents;
• use our website or online tools; or
• communicate with us by telephone, email, SMS, video meeting or social media.

With your consent, or where permitted by law, we may also collect information from third parties, including:

• a co-applicant, guarantor or authorised representative;
• lenders, mortgage managers and mortgage insurers;
• credit reporting bodies;
• accountants, lawyers, conveyancers, real estate agents and financial advisers;
• employers, referees and government agencies;
• identity verification, fraud prevention and electronic document providers;
• valuers and property information providers;
• Finsure and service providers supporting our finance broking activities; and
• publicly available sources and registers.

If you provide us with personal information about another person, you must have their permission to do so and make them aware of this Privacy Policy.

What happens if you do not provide information?

You may choose not to provide personal information. However, if we cannot obtain the information needed to identify you, understand your circumstances or meet our legal obligations, we may be unable to provide our services or progress a finance application.

Can you deal with us anonymously?

You may browse our website or make a general enquiry without identifying yourself where it is lawful and practical to do so. We will need to confirm your identity before providing credit assistance, obtaining a credit report, lodging a finance application or undertaking other activities that require identification.

How we use and disclose personal information

We use and disclose personal information for the purposes for which it was collected, related purposes you would reasonably expect, purposes you have consented to, and purposes permitted or required by law.

Depending on your circumstances, we may disclose personal information to:

• prospective and existing lenders, funders and mortgage managers;
• mortgage insurers, valuers and credit reporting bodies;
• Finsure and businesses that support its aggregation, compliance and application systems;
• settlement agents, conveyancers, lawyers, accountants, financial advisers and other representatives nominated by you;
• identity verification, electronic signing, document collection, data processing, information technology, cloud storage, communications, marketing and other service providers;
• insurers and insurance service providers, if you ask us to assist with an insurance product;
• government agencies, regulators, courts, dispute resolution bodies or law enforcement agencies where required or authorised by law;
• professional advisers, auditors and consultants;
• a prospective purchaser or successor if all or part of our business is sold, transferred or restructured; and
• any other person or organisation you authorise us to deal with.

These organisations may use or disclose your information in accordance with their own privacy policies and legal obligations.

Credit information

If you apply for finance or ask us to assess your lending options, we may collect, use and disclose credit information and credit eligibility information. This may include:

• information about current and previous credit accounts;
• credit limits, repayment history and account conduct;
• applications for credit and credit enquiries;
• defaults, serious credit infringements, hardship arrangements and insolvency information;
• publicly available credit-related information; and
• credit scores, credit reports and assessments derived from credit information.

With your consent and where permitted by law, we may obtain credit information from a credit reporting body and disclose relevant information to lenders, Finsure and other parties involved in assessing or managing your application.

The lender you apply to will have its own privacy and credit reporting policy. You should review that policy for information about how the lender handles credit information and the credit reporting bodies it uses.

Direct marketing

From time to time, we may contact you about finance products, services, reviews, educational information or business updates that we believe may be relevant to you. We may contact you by email, telephone, SMS, mail, social media or other electronic means where permitted by law.

You can opt out at any time by:

• using the unsubscribe link in a marketing email;
• replying “STOP” where that option is available; or
• contacting us using the details at the end of this Privacy Policy.

We will process your request within a reasonable period and will not charge you for opting out. We may still send service-related communications that are necessary to manage an enquiry, application or existing relationship with you.

Website, cookies and analytics

When you visit our website, we or our service providers may collect technical information such as your IP address, browser type, device information, pages viewed, referring website and the date and time of your visit.

Our website may use cookies, analytics tools and similar technologies to operate the website, understand how it is used, improve performance and support relevant advertising. You can change your browser settings to block or delete cookies, although some website functions may not operate correctly as a result.

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites, and we recommend reviewing their privacy policies before providing personal information.

Social media

If you interact with us through social media, we may receive information made available by you or the relevant platform. Social media platforms handle personal information under their own privacy policies and settings.

Security and storage

We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure. These steps may include access controls, secure technology systems, staff procedures and the use of reputable service providers.

No method of electronic transmission or storage is completely secure. If you send information electronically, you acknowledge the usual risks associated with online communications.

We retain personal information for as long as it is reasonably required to provide our services, manage our relationship with you and meet our legal and regulatory obligations. When information is no longer required, we will take reasonable steps to destroy it or permanently de-identify it, unless the law requires it to be retained.

Overseas disclosure

Some service providers used by Mesh Finance, Finsure, lenders or other parties involved in your application may store or process information outside Australia. The countries involved may vary depending on the provider and service being used.

Where we disclose personal information overseas, we will take reasonable steps required by law in relation to that disclosure. Overseas recipients may be subject to different privacy laws and, in some circumstances, may be required by foreign law to disclose information.

Accessing and correcting your information

You may request access to the personal information we hold about you or ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading.

To make a request, contact us using the details below. We may need to verify your identity before processing the request. We will respond within a reasonable period and, where the Privacy Act permits us to refuse access or correction, we will provide written reasons unless it would be unlawful to do so.

We do not charge you for making an access or correction request. In limited circumstances, we may charge a reasonable fee for the cost of providing access, and we will tell you about any proposed fee before proceeding.

Privacy questions and complaints

If you have a question or complaint about how Mesh Finance has handled your personal information, please contact our Privacy Officer using the details below. We will acknowledge your complaint and aim to investigate and respond within 30 calendar days.

Contact Mesh Finance

If you are not satisfied with our response, you may also lodge a complaint with the Office of the Australian Information Commissioner:

Notifiable data breaches

Where required by the Privacy Act, we will notify affected individuals and the Office of the Australian Information Commissioner of an eligible data breach that is likely to result in serious harm.

If you believe personal information held by us may have been lost or accessed or disclosed without authorisation, please contact us promptly.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our practices, technology, legal obligations or services. The current version will be published on our website, together with the date it was last updated.

Last updated July 2026