This Privacy Policy explains how Religare Group Pty Ltd ABN 82 642 516 434 (ACN 642 516 434), trading as Religare Home Loans (“we”, “us”, “our”), collects, holds, uses, discloses and protects your personal information and credit-related information.

Credit assistance is provided through Kanchan Purohit ABN 78 105 986 655, Credit Representative Number 512256 of Yellow Brick Road Aggregation Pty Ltd ABN 66 138 789 161, Australian Credit Licence 390261. When we provide credit assistance, we act on behalf of, and under the licence of, Yellow Brick Road Aggregation Pty Ltd. Information you provide to us is shared with the licensee — see “Who we disclose your information to” below.

We are bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles. Where we handle credit information, we are also bound by Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code.

This policy was last reviewed on 16 September 2026 and replaces our previous policy dated 18 September 2016.

Personal information is information or an opinion about you from which your identity is reasonably apparent. It does not matter whether the information is true, or whether it is recorded in a material form.

Credit information is information used to assess your eligibility to be provided with finance. It may include finance you have outstanding, your repayment history on those loans, and any defaults. Credit information is usually exchanged between credit providers, finance providers and credit reporting bodies.

The personal information we may collect about you includes:

• your name, date of birth, contact details and residential address;
• identification documents, including driver licence, passport and Medicare details, which we collect to verify your identity under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth);
• your occupation, employer, employment history and proof of earnings;
• your income, expenses, assets, liabilities and account details;
• the number, ages and circumstances of your dependants and any other people living with you;
• your credit information, including repayment history and credit reports obtained from credit reporting bodies;
• details of the property you are buying, refinancing or offering as security; and
• information about your interactions with us, including emails, call notes, enquiry forms and appointment bookings.

If you apply for an insurance product through us, we may also collect health information. We will only collect health information with your consent.

Wherever it is reasonable and practicable, we collect your personal information directly from you — when you complete an enquiry form, book an appointment, send us documents, speak with us by phone, or apply for finance.

We may also collect information about you from:

• credit reporting bodies, where you have authorised us to act as your access seeker;
• lenders, lessors, mortgage insurers and title insurers involved in your application;
• your accountant, solicitor, conveyancer, financial adviser or other representative;
• your employer or referees, to verify information you have given us;
• identity verification services; and
• people who refer you to us, where you have consented to that referral.

We also collect information automatically when you use our website. See “Our website, cookies and online tracking” below.

Where it is lawful and practicable, you may deal with us without identifying yourself — for example, if you are making a general enquiry about interest rates or current offers. In most cases, however, we will need to identify you in order to help you.

We collect, hold and use your personal information to:

• assess your requirements and objectives and provide you with credit assistance;
• prepare, submit and manage your application for finance;
• verify your identity and meet our obligations under the AML/CTF Act;
• comply with our obligations under the National Consumer Credit Protection Act 2009 (Cth), including the best interests duty and our responsible lending obligations;
• maintain the records our licensee and the regulator require us to keep;
• manage our relationship with you, including reviewing your loan over time;
• respond to your enquiries and handle complaints or disputes; and
• let you know about products and services that may be relevant to you, unless you have asked us not to.

If you choose not to provide the information we request, we may be unable to assess your application, recommend a suitable product, or assist you at all.

We may disclose your personal information and credit information to:

• Yellow Brick Road Aggregation Pty Ltd, our licensee, for the purposes of accreditation, compliance and audit activities, file reviews, commission administration, reporting, dispute resolution, technology and the provision of aggregation and related support services;
• lenders and lessors you apply to, and prospective funders considering your application;
• credit reporting bodies, including Equifax, illion and Experian;
• lenders mortgage insurers and title insurers involved in your transaction;
• valuers, settlement agents, solicitors and conveyancers involved in your transaction;
• organisations that help us manage or administer your finance, including software, technology and infrastructure providers, document and mail services, and our customer relationship management platform;
• anyone who represents you, such as your accountant, solicitor, financial adviser or another finance broker;
• any other borrower, guarantor or prospective guarantor connected to your finance;
• your employer, referees and identity verification services;
• anyone else where you have given us your consent; and
• any person or body where we are required or authorised to disclose by law, including under the AML/CTF Act, or to a government agency, regulator, court or tribunal.

If we sell or transfer all or part of our business, or are involved in a merger, we may disclose your information to the parties involved and to their advisers as part of that transaction and any due diligence leading up to it.

Before we disclose your personal information to another person or organisation, we take reasonable steps to satisfy ourselves that they are committed to protecting your information to at least the standard we apply, or that you have consented to the disclosure.

We do not sell your personal information.

We use cloud storage and software services to hold and process the information we collect. Some of the servers used by those services are located outside Australia, including in India, the Philippines and the United States of America.

Other parties involved in your transaction may also hold information outside Australia. Lenders mortgage insurers and title insurers may disclose information to related companies in Canada, India, Malaysia, the Philippines, the United Kingdom and the United States of America.

Where we disclose your information overseas, we take reasonable steps to ensure the recipient handles it consistently with the Australian Privacy Principles. Overseas recipients may, however, be required to disclose information under a foreign law. You can ask us for more detail about these arrangements by contacting us on the details below.

With your written authority, we may act as your access seeker and obtain a credit report about you from a credit reporting body. We may disclose the credit information we obtain, together with your personal information, to prospective lenders in connection with your application.

You have specific rights in relation to your credit information:

• You may ask a credit reporting body for a copy of the credit reporting information it holds about you.
• You may ask a credit reporting body or a credit provider to correct information about you that is inaccurate, out of date, incomplete, irrelevant or misleading.
• If you believe you have been, or are likely to be, a victim of fraud, you may ask a credit reporting body to place a ban on the use and disclosure of your credit reporting information.
• You may ask a credit reporting body not to use your credit reporting information for the purpose of pre-screening direct marketing offers.

We will help you make any of these requests if you ask us to.

When you visit our website, our servers and service providers may record information about your visit, including your IP address, device and browser type, the pages you view, the links you follow and the date and time of your visit. If you visit from a mobile device we may also collect a device identifier and approximate location.

We use cookies and similar technologies — small pieces of data stored by your browser — to make the site work, to remember your preferences, to measure how the site is used, and to deliver and measure advertising. Some of these technologies are operated by third parties, including analytics and advertising providers. We do not control those third parties, and their handling of your information is governed by their own privacy policies.

Most browsers accept cookies by default. You can change your browser settings to be notified when a cookie is set, or to block cookies altogether. If you block cookies, some parts of our website may not work properly.

If you submit an enquiry form or book an appointment through our website, the details you provide are stored in our customer relationship management system and used to respond to you.

We use customer relationship management and marketing software that may automatically sort, prioritise or route enquiries, and send scheduled communications, based on the information you give us.

These processes do not decide whether you will be offered credit and do not determine what we recommend to you. Lending decisions are made by lenders. Any credit assistance we provide is assessed and recommended by a person, not by software.

If you would like to know more about how we use these systems, please contact us.

From time to time we may use your personal information to send you information about finance, offers, changes to our business, or new products and services offered by us or by businesses we are associated with.

You can opt out at any time. Call us on 0432 860 230, email us at info@religare.com.au, or use the unsubscribe link in any marketing email. There is no charge, and we will action your request as soon as we reasonably can.

We will not use or disclose your sensitive information for direct marketing without your consent.

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification or disclosure. Those steps include access controls on our systems, password protection, secure document handling, and requiring our service providers to maintain appropriate security.

We hold information in both electronic and paper form. No method of transmission or storage is completely secure, and we cannot guarantee the security of information you send us over the internet or by email.

We maintain a data breach response plan. If we suspect a data breach involving your personal information, we will investigate it promptly and assess whether it is likely to result in serious harm.

Where we are required to do so under the Notifiable Data Breaches scheme in Part IIIC of the Privacy Act, we will notify you and the Office of the Australian Information Commissioner, and tell you what has happened, what information was involved and what steps you can take in response.

If you believe your information held by us has been compromised, please contact us immediately on the details below.

We keep your information only for as long as we need it, or for as long as we are required to keep it by law.

Because we provide credit assistance, we are generally required to retain records relating to your application and our assessment for at least seven years after we last provided you with credit assistance. Tax and corporate record-keeping laws impose their own retention periods.

You may request a copy of the preliminary assessment we prepared for your application at any time within seven years of the date we provided that assistance.

When we no longer need your information and are no longer required to keep it, we take reasonable steps to destroy it or to de-identify it securely.

You may ask us for access to the personal information we hold about you at any time. We will usually respond within seven days. If the information is not readily available — for example, if it is archived — we will provide it within 30 days, and we may charge a reasonable fee for retrieving and supplying it.

There are limited situations in which we may refuse access, such as where the information relates to existing or anticipated legal proceedings, where refusing access is required or authorised by law, or where the request is frivolous or vexatious. If we refuse, we will tell you why and keep a record of your request.

If any information we hold about you is incorrect, inaccurate, incomplete or out of date, you may ask us to correct it. We will correct it at the time of your request where we can. Otherwise we will respond within seven days and, where reasonable, tell you the outcome within 30 days. If we refuse to correct the information, we will give you our reasons.

It helps us to help you if the information we hold is current, so please tell us when your details change.

If we collect a government identifier, such as your tax file number, we do not use or disclose it other than as required or authorised by law. We will never use a government identifier as a means of identifying you.

Some personal information is treated as sensitive information under the Privacy Act. It includes information about your racial or ethnic origin, political opinions or affiliations, religious beliefs, philosophical beliefs, membership of a professional or trade association or trade union, sexual orientation or practices, criminal record, and health.

We rarely need sensitive information. Where we do, we will collect and use it only with your consent. If sensitive information about you reaches us from a third party in the course of your application, we will seek your consent before we collect, store or use it.

Before we provide you with credit assistance, we give you a Credit Guide. It sets out who we are, the services we provide, how we and our licensee are paid, our best interests duty and responsible lending obligations, and how to make a complaint.

You can read our current Credit Guide here: Religare Home Loans Credit Guide (PDF)

The Credit Guide is updated from time to time. The version we give you at the time we provide credit assistance is the version that applies to you.

If you are unhappy with how we have handled your personal information, or you believe we have breached the Privacy Act, please contact us first:

Privacy Officer, Religare Home Loans
8 Dewdrop Place, Acacia Gardens NSW 2763
Phone: 0432 860 230
Email: info@religare.com.au

We will acknowledge your complaint within seven days and give you a decision within 30 days.

If you would prefer to raise it with our licensee, you can contact the Complaints Manager at Yellow Brick Road Aggregation Pty Ltd on 1300 730 050, by email at vownet@vow.com.au, or by post at Level 11, 1 Chifley Square, Sydney NSW 2000.

If you are not satisfied with our response, you can take a privacy complaint to the Office of the Australian Information Commissioner at www.oaic.gov.au or on 1300 363 992.

For complaints about credit assistance rather than privacy, you can contact the Australian Financial Complaints Authority, an independent external dispute resolution scheme, at www.afca.org.au, on 1800 931 678, by email at info@afca.org.au, or by post at GPO Box 3, Melbourne VIC 3001. Our AFCA membership number is 77974.

We review this policy regularly to keep pace with changes in the law, technology and market practice, and we may update it from time to time. The current version is always available on this page. We will show the review date at the top of the policy so you can see when it last changed.

You may request a copy of this policy in an alternative format.

If you have any questions about this policy or about how we handle your personal information:

Religare Group Pty Ltd trading as Religare Home Loans
ABN 82 642 516 434
8 Dewdrop Place, Acacia Gardens NSW 2763
Phone: 0432 860 230
Email: info@religare.com.au

Credit assistance is provided by Kanchan Purohit ABN 78 105 986 655, Credit Representative Number 512256 of Yellow Brick Road Aggregation Pty Ltd ABN 66 138 789 161, Australian Credit Licence 390261.

To find out more about privacy law and the Australian Privacy Principles, visit the Office of the Australian Information Commissioner at www.oaic.gov.au