Privacy Policy

Last updated: April 2026

Unlocked Equity Group Pty Ltd (ACN 661 236 004) ("we", "our", "us") is committed to protecting the privacy and confidentiality of personal information we collect, hold, use and disclose in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This Privacy Policy applies to personal information collected in relation to our financial services, website, applications and other digital or offline services we operate.

1. Purpose

Unlocked Equity Group Pty Ltd is committed to protecting the privacy and confidentiality of personal information we collect, hold, use and disclose in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This Privacy Policy applies to personal information collected in relation to our financial services, website, applications and other digital or offline services we operate.

2. What information we collect

We may collect personal information that is reasonably necessary for us to provide our services, including:

  • Identity & contact information:name, address, email, phone number
  • Financial information:income, assets, liabilities, credit history, bank account
  • Property ownership information:title deed, valuation reports, home insurance
  • Verification information:identification documents, tax file number (where required by law)
  • Transactional information:details of financial services provided
  • Website data:IP addresses, device/browser details, cookies and usage data
  • Sensitive information:health data (will only be collected with consent where required and as permitted by law)

3. How we collect your information

We collect personal information:

  1. Directly from you (e.g., via forms, service applications or communication)
  2. From third parties where you have authorised the disclosure (including referees, financial advisors, brokers)
  3. Through our website and digital services (including cookies – see Cookies & Tracking Technologies below)
  4. As otherwise permitted or required by law

4. Cookies & Tracking Technologies

4.1 What are cookies?

Cookies are small text files that are stored on your device when you visit a website. They help us recognise your browser and enable certain website features.

4.2 How we use cookies

We use cookies and similar technologies to:

  1. Analyse how our website is used to improve performance
  2. Remember preferences and settings
  3. Facilitate login sessions and secure access to our services
  4. Deliver relevant content and measure marketing effectiveness

4.3 Types of cookies we use

  • Essential Cookies: Necessary for basic website functionality
  • Performance/Analytics Cookies: Collect anonymous usage data for analytics
  • Functional Cookies: Remember settings to enhance user experience
  • Third-Party Cookies: Used by external services (e.g., analytics, advertising partners)

4.4 Your cookie choices

Most browsers allow you to control cookies through settings (e.g., refuse or delete cookies). Disabling cookies may impact your experience and functionality of our services.

5. Use, disclosure and security

5.1 How we use your information

We may use personal information to:

  1. Provide and manage financial services and products
  2. Verify your identity, assess eligibility and comply with legal obligations
  3. Communicate with you, including about services, updates or offers
  4. Prevent fraud and manage risk
  5. Improve and personalise our services

5.2 Disclosure of Personal Information

We may disclose personal information to:

  1. Our service providers, contractors, agents and advisers
  2. Financial institutions and counterparties where necessary
  3. Regulators and law enforcement agencies if required by law
  4. Other third parties with your consent or as permitted by law

5.3 Security and Personal Information

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure. We use physical, technical and administrative safeguards appropriate to the sensitivity of the information.

6. General

6.1 Access and correction

You may request access to personal information we hold about you and request we correct it if it is inaccurate, out of date, incomplete or misleading.

6.2 Complaints

If you believe we have breached this Privacy Policy or the Australian Privacy Principles, you may contact us at:

Privacy Officer

We will investigate your complaint and respond in accordance with applicable law. If you remain dissatisfied, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC).

6.3 Updates to this Policy

We may update this Privacy Policy from time to time. The updated version will be published on our website with a revised date.