Privacy policy.

Last updated: October 2026

MKS Lending Group Pty Ltd (ABN 66 753 650 846) is committed to protecting your privacy. This policy explains how we collect, use, disclose and protect your personal information, including credit-related information, in line with the Privacy Act 1988 (Cth), the Australian Privacy Principles and the Privacy (Credit Reporting) Code.

Our brokers, Kristian Said (Credit Representative 553399) and Teo Torrelli (Credit Representative 399710), are Credit Representatives of Alliance Financial Group Pty Ltd, Australian Credit Licence 390664. In this policy, "we", "us" and "our" means MKS Lending Group.

What personal information we collect

To help you find and apply for a loan, we may collect:

• your name, date of birth, address, phone number and email address
• identification documents, such as your driver licence, passport or Medicare card
• employment details, income, assets, liabilities and living expenses
• bank statements, payslips, tax returns, BAS, financial statements and other supporting documents
• details of the property you are buying, refinancing or using as security
• information about your dependants and household
• credit-related information, such as your credit history, existing loans, repayment history and credit report details

We only collect sensitive information, such as health information, if it is relevant to your situation (for example, a hardship request) and you consent, or where the law allows.

How we collect it

We usually collect personal information directly from you, when you fill in a form on our website, call or email us, or meet with us. With your consent, we may also collect information from other people, such as your accountant, employer, other lenders, credit reporting bodies (through lenders), valuers and our licensee. We also collect some information automatically when you use our website (see "Website, cookies and analytics" below).

Why we collect, use and disclose it

We collect, use and disclose your personal information to:

• understand your needs and objectives and recommend suitable loan options
• prepare and submit loan applications on your behalf and manage them through to settlement
• verify your identity, as required under anti-money laundering and counter-terrorism financing laws
• meet our obligations under the National Consumer Credit Protection Act 2009 (Cth), including responsible lending
• review your loan over time and tell you about options that may suit you
• send you updates and marketing, which you can opt out of at any time
• handle complaints and meet our legal and regulatory obligations

If you do not give us the information we ask for, we may not be able to help you or submit a loan application on your behalf.

Who we may share it with

Depending on your situation, we may share your personal information with:

• lenders and other credit providers we submit applications to
• our licensee, Alliance Financial Group Pty Ltd, and its service providers
• lenders mortgage insurers and valuers
• your solicitor, conveyancer, accountant, financial adviser or other representative, with your consent
• identity verification and document management service providers
• our IT, software, cloud storage and customer management providers
• government bodies, regulators and dispute resolution bodies, such as ASIC, AUSTRAC and AFCA, where required
• anyone else you authorise us to share it with

We do not sell your personal information.

Credit information

To help a lender assess your application, we may collect credit information about you from lenders and, through them, from credit reporting bodies such as Equifax, Experian and illion. We do not usually disclose information to credit reporting bodies ourselves. You have the right to access and correct your credit information and to complain if you think it has been handled incorrectly (see the sections below). Each credit reporting body also has its own policy about how it manages credit information, available on its website.

Overseas disclosure

Some lenders and service providers we use may store or process information outside Australia, including through cloud services based in the United States and other countries. Where this happens, we take reasonable steps to make sure your information is handled in line with Australian privacy law.

How we store and protect your information

We store your information securely in electronic systems with access controls, and in some cases in paper files kept in secure locations. Only people who need your information to do their job can access it. We keep records for as long as the law requires, which for credit assistance is generally at least seven years, and then securely destroy or de-identify them.

If a data breach is likely to cause you serious harm, we will notify you and the Office of the Australian Information Commissioner (OAIC) as required under the Notifiable Data Breaches scheme.

Website, cookies and analytics

Our website uses cookies and similar technologies to work properly, to understand how visitors use the site and to help show relevant advertising. We use services such as Google Analytics and Google Tag Manager, and may use advertising tools such as the Meta Pixel. These services may collect information such as your IP address, browser, pages visited and how you arrived at our site. You can block or delete cookies in your browser settings, and Google offers a browser add-on to opt out of Google Analytics.

When you submit a form on our website, we receive the details you enter so we can respond to your enquiry.

Marketing

We may send you newsletters, loan review reminders and information about products and services that may interest you. You can opt out at any time by using the unsubscribe link in our emails or by contacting us.

Accessing and correcting your information

You can ask to access the personal information we hold about you, or ask us to correct it if it is inaccurate, out of date or incomplete. Contact our Privacy Officer using the details below. We will respond within 30 days. We do not charge for a request, although we may charge a reasonable fee to cover the cost of providing access. If we refuse a request, we will tell you why in writing.

Making a privacy complaint

If you have a concern about how we have handled your personal information, please contact our Privacy Officer first. We will acknowledge your complaint and aim to resolve it within 30 days.

If you are not satisfied with our response, you can contact:

• the Australian Financial Complaints Authority (AFCA): www.afca.org.au, 1800 931 678
• the Office of the Australian Information Commissioner (OAIC): www.oaic.gov.au, 1300 363 992

Contact us

Privacy Officer, MKS Lending Group Pty Ltd
Level 2/12 Hall St, Moonee Ponds VIC 3039
Phone: (03) 8340 6700
Email: hello@mkslending.com.au

Changes to this policy

We may update this policy from time to time. The latest version will always be available on this page.