Privacy Policy

Garcia Financial Pty Ltd trading as Sydney Wide Home Loans
ABN 68 153 043 571
Credit Representative Number 420409
Authorised under Australian Credit Licence 384704 (Finsure Finance & Insurance Pty Ltd)
AFCA Membership Number: 53268

Sydney Wide Home Loans (“we”, “us”, “our”) is committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This Privacy Policy explains how we collect, use, store and disclose your personal information when providing credit assistance services.

1. What information we collect

We collect personal information that is reasonably necessary to provide you with credit assistance, including:

contact details
financial and banking information
identification documents
employment and income details
credit history
information required by lenders or credit reporting bodies
information collected through our website, online forms, email or phone

We may also collect information through digital tools provided by our aggregator, Finsure Finance & Insurance Pty Ltd, including bank‑statement collection services.

2. How we use your information

We use your information to:

assess your credit needs
provide credit assistance and loan recommendations
submit applications to lenders you choose to engage with
communicate with you throughout the lending process
manage our ongoing relationship with you
comply with legal and regulatory obligations
improve our services and internal processes

We may also send you updates, newsletters or service information unless you opt out.

3. How we store and protect your information

We take reasonable steps to protect your information from misuse, loss, unauthorised access, modification or disclosure.

Your information may be stored:

securely in Dropbox
within systems and tools provided by Finsure
in encrypted email systems
in secure digital files used for credit assistance

We retain personal information for at least 7 years, or longer where required by law.

4. Disclosure of your information

We may disclose your information to:

lenders and their representatives
our aggregator, Finsure Finance & Insurance Pty Ltd
credit reporting bodies
third‑party service providers (e.g., document collection tools, verification services)
professional partners where you have consented to a referral
government or regulatory bodies where required by law

We do not sell, trade or rent your personal information.

Some third‑party providers may store data overseas. Where this occurs, we take reasonable steps to ensure your information is protected in accordance with the APPs.

5. Notifiable Data Breaches (NDB) Scheme

If a data breach occurs that is likely to result in serious harm, we will:

promptly assess the breach
notify our aggregator (as required for credit representatives)
notify affected individuals
notify the Office of the Australian Information Commissioner (OAIC)

6. Accessing or correcting your information

You may request access to the personal information we hold about you, or request corrections if you believe it is inaccurate.

Requests can be made by contacting us at:
info@sydneywidehomeloans.com.au
0450 300 111

We do not charge for access or correction requests.

7. Complaints

If you have a privacy concern or complaint, please contact us first so we can resolve it promptly.

If you are not satisfied with our response, you may escalate your complaint to:

Australian Financial Complaints Authority (AFCA)
Membership Number: 53268
Website: www.afca.org.au
Phone: 1800 931 678

You may also contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

8. Cookies and website analytics

Our website may use cookies and similar technologies to:

improve website performance
understand how visitors use our site
personalise your experience

You can disable cookies through your browser settings, although some website features may not function correctly.

9. Your consent

By engaging our services or providing your personal information, you consent to the collection, use and disclosure of your information as outlined in this Privacy Policy.

10. Updates to this policy

We may update this Privacy Policy from time to time. The latest version will always be available on our website.