Privacy Policy

A.C.N. 700 796 729 Pty Ltd, trading as 4ONE4 Capital ("we", "us", "our"), is committed to protecting your privacy. This policy explains how we collect, hold, use and disclose your personal information, including credit-related information, in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and Part IIIA of the Privacy Act which governs credit reporting.

1. What information we collect

The information we collect depends on the services you ask us to provide. It typically includes:

• Identity information — name, date of birth, residential address, contact details and identification documents.
• Financial information — income, employment, assets, liabilities, living expenses, bank statements and tax information.
• Credit information — credit history, repayment history, credit enquiries, defaults and credit scores obtained from credit reporting bodies.
• Transaction information — details of the property or asset being financed, and the loan you are seeking.
• Sensitive information — in limited cases and only with your consent, such as health information where it is relevant to a hardship application.
• Website information — information you submit through our enquiry form, and basic technical data collected when you visit our site.

2. How we collect it

We usually collect information directly from you — in person, by phone, by email, through our online fact find, or through this website. We may also collect information from a credit reporting body, your referrer, your employer, accountant or other professional adviser (with your consent), and from lenders, mortgage insurers or our licensee LMG Broker Services Pty Ltd in the course of assessing or managing your application.

Where we use secure digital tools to collect your information — including bank statement retrieval and electronic identity verification — this is done with your consent through platforms provided by our licensee.

3. Why we collect it

We collect, hold and use your information to:

• Assess your requirements, objectives and financial situation, and identify credit products that may be suitable
• Prepare, lodge and manage applications for credit on your behalf
• Verify your identity and comply with anti-money laundering and counter-terrorism financing obligations
• Meet our obligations under the NCCP Act, including responsible lending and Best Interests Duty requirements
• Manage our relationship with our licensee and lenders on your behalf
• Respond to your enquiries and provide ongoing service, including loan reviews
• Comply with our legal, regulatory, audit and record-keeping obligations

4. Who we may disclose it to

We may disclose your personal and credit information to:

• LMG Broker Services Pty Ltd, our licensee and aggregator, and its related entities
• Lenders, credit providers and their assessors
• Lenders mortgage insurers and other insurers
• Credit reporting bodies and credit information providers
• Valuers, settlement agents, conveyancers and legal representatives
• Your nominated accountant, financial adviser, broker or other professional adviser
• Technology and service providers who host or support the platforms we use, under contractual confidentiality obligations
• Regulators, courts, and other parties where required or authorised by law

We do not sell your personal information, and we do not share it with third parties for their own marketing purposes without your consent.

5. Credit reporting

In the course of arranging credit, a lender or we (with your consent) may obtain a credit report about you from a credit reporting body. Credit reporting bodies may include Equifax, Experian and illion. These bodies may include information about you in reports provided to other credit providers to assist them in assessing your creditworthiness.

You have the right to request access to the credit-related information we hold about you, to request its correction, and to ask a credit reporting body not to use your information for direct marketing or pre-screening. You may also request that a credit reporting body not use or disclose your information if you believe you have been, or are likely to be, a victim of fraud.

6. Data security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification or disclosure. This includes the use of secure systems provided through our licensee's platforms, which are certified to ISO/IEC 27001:2022 and SOC 2 Type 2 standards, along with restricted access to physical and digital records and ongoing staff security training.

We retain your information for as long as required to provide our services and to meet our legal and regulatory obligations — generally at least seven years after our engagement ends — after which it is securely destroyed or de-identified.

7. Access, correction and complaints

You can request access to the personal information we hold about you, and ask us to correct it if it is inaccurate, out of date, incomplete, irrelevant or misleading. We will respond within a reasonable period. In limited circumstances we may decline a request, in which case we will tell you why in writing.

If you believe we have breached your privacy or mishandled your information, please contact us first so we can investigate:

A.C.N. 700 796 729 Pty Ltd T/A 4ONE4 Capital
Level 5, 151 Pirie Street, Adelaide SA 5000
Phone: 0469 753 908
Email: Ben@4ONE4.capital

If you are not satisfied with our response, you can escalate the matter to our licensee, LMG Broker Services Pty Ltd (complaints@lmg.broker, 1800 275 564), to the Australian Financial Complaints Authority at www.afca.org.au, or to the Office of the Australian Information Commissioner at www.oaic.gov.au or 1300 363 992.

8. Overseas disclosure

Some of the technology providers used to deliver our services may store or process data outside Australia. Where this occurs, we take reasonable steps to ensure that overseas recipients handle your information in a manner consistent with the Australian Privacy Principles.

9. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. The current version will always be available on this website.