Privacy Policy

1. Who we are

demir.loans is a Sydney-based mortgage brokerage lending Australia-wide. Demir Loans Pty Ltd is a credit representative (Credit Representative Number 580174) of LMG Broker Services Pty Ltd ACN 632 405 504, Australian Credit Licence 517192. In this policy, "we", "us" and "our" refer to demir.loans.

We follow the Australian Privacy Principles set out in the Privacy Act 1988 (Cth). Because your loan is written under LMG's licence, LMG's own privacy policy also applies to information we share with them. You can read it at lmg.broker/privacy-policy.

2. What we collect

To provide credit assistance we collect the information a lender needs to assess your application, which may include:

• your name, date of birth and identification documents;
• contact details: address, email, phone;
• employment and income details;
• your assets, debts, expenses and credit history;
• details of the property or purpose the loan relates to.

3. How we collect it

Mostly directly from you: in conversation, by email or through documents you provide. With your consent we may also collect information from third parties such as your employer, your accountant, credit reporting bodies, identity-verification services and lenders.

4. Why we collect it

We use your information to understand your situation, compare loan options across our lender panel, prepare and submit your application, manage it through to settlement, and meet our legal obligations as a credit representative. If you don't provide the information we ask for, we may not be able to assist you.

5. Who we share it with

Only where necessary to arrange your loan or as required by law, we may disclose your information to:

• lenders and lenders mortgage insurers considering your application;
• LMG, as the holder of the credit licence we operate under;
• identity-verification and credit-reporting services;
• professionals who represent you, such as your solicitor or accountant;
• regulators and law-enforcement bodies where the law requires it.

Some service providers (including cloud systems) may store data outside Australia. Reasonable steps are taken to ensure overseas recipients handle your information to standards consistent with Australian privacy law.

6. Marketing

We will only send you marketing if you've agreed to it, and you can opt out at any time by emailing ugur@demir.loans. Opting out never affects your loan.

7. Access & correction

You can ask to see the personal information we hold about you, and ask us to correct anything that's wrong or out of date. Just email or call; we don't charge for requests or corrections.

8. How we protect it

Your information is stored securely, access is limited to what's needed to arrange your loan, and it is kept only as long as the law and lender requirements demand. When it's no longer needed, it is destroyed or de-identified.

9. Complaints

If you have a concern about how we've handled your information, tell us first via our complaints page. We aim to respond within 30 days. If you're not satisfied, you can contact the Office of the Australian Information Commissioner at oaic.gov.au or 1300 363 992.

10. Contact

Ugur Ozer · ugur@demir.loans · 0495 000 228 · Sydney, NSW.