Who We Are
In this policy, ‘we’, ‘us’ and ‘our’ refers to Ingram Financial Pty Ltd (ATF Ingram Family Trust), ABN 69 618 146 267, trading as Ingram Financial. We are an Authorised Credit Representative (CRN 457362) of LMG Broker Services Pty Ltd, Australian Credit Licence 517192. We are based in Bangor, NSW.
This privacy policy relates to our management of personal information about borrowers and consumers, including your personal information collected in connection with a credit application or a credit facility, and information collected through our website.
Our Commitment to Protect Your Privacy
We understand how important it is to protect your personal information. This document sets out our policy on how we collect and manage the personal information we hold about you and what we do with that information.
It is important to us that you are confident that any personal information we hold about you will be treated in a way which ensures protection of your personal information in accordance with law. Our commitment in respect of personal information is to abide by the Australian Privacy Principles (as set out in the Privacy Act 1988 (Cth)) and any other applicable law.
What Is Personal Information?
When used in this privacy policy, the term “personal information” has the meaning given to it in the Privacy Act. In general terms, it is any information that can be used to personally identify you. This may include your name, address, telephone number, email address and profession or occupation. If the information we collect personally identifies you, or you are reasonably identifiable from it, the information will be considered personal information.
How Do We Collect Your Personal Information?
If you deal with us directly, we generally collect personal information directly from you, such as in person, on the phone or electronically. This includes your interaction with our website, online application functionalities and social media channels.
We may also collect your personal information in other ways, including:
- from your joint applicants, co-applicants, guarantors or proposed guarantors;
- from the loan applicant if you are the guarantor or proposed guarantor;
- from your employer, real estate agent or other referees;
- from third parties such as social media platforms, marketing websites, related companies, credit reporting bodies, lenders, law enforcement agencies, other government entities and identity verification service providers;
- from your representatives, such as solicitors, accountants, conveyancers, builders and agents; and
- when legally required to do so, for example in the provision of specific credit services.
We may collect credit reporting information and credit eligibility information about you from credit reporting bodies and credit providers respectively if you expressly authorise us to do so in writing as part of us providing you with credit assistance services.
What Personal Information Do We Collect and Hold?
We may collect the following types of personal information:
- your name, date of birth, qualifications and any other information and documents used to verify your identity;
- your contact details, such as your physical address, email address and telephone number;
- your credit information and financial information, including your tax file number, bank account, superannuation or insurance policy information, credit reports from credit reporting bodies, income and expenses, assets and liabilities, and credit and loan repayment history including any defaults;
- other information that you may submit as part of an application for finance, such as the age and number of your dependants and cohabitants, length of time at your current address, your employment details and proof of earnings and expenses;
- information about loans and finance products that relate to you, including transactional information, audits, investigations, complaints or enquiries relating to such loans and finance products;
- additional information relating to you that you provide to us, whether directly through our website or indirectly through your use of our website or online presence; and
- information you provide to us through enquiries, our website chat assistant or customer surveys.
Some of the personal information we collect about you may be sensitive information, such as:
- information relating to your memberships in trade or professional associations or trade unions;
- your criminal record; and
- your health information (for example, if you tell us about a health condition that affects your finances or ask for hardship assistance).
We only collect sensitive information with your consent, or where the law otherwise allows it.
Our Website, Cookies and Online Tools
We use cookies and similar technologies on our website to understand how visitors use the site and to measure and improve our marketing. A cookie is a small file placed on your device when you visit a website. You can control or disable cookies through your browser settings, however doing so may affect how our website works.
Our website uses the following third-party services, each of which may collect information about your visit:
- Google Analytics: collects information about how visitors use our website, such as pages visited, time on site, and device and browser information. We use this in aggregate to improve our website. You can opt out using the Google Analytics Opt-out Browser Add-on.
- Google Ads: helps us measure and, when we advertise, show our ads to people who have previously visited our website (remarketing). You can opt out of personalised advertising in Google’s Ads Settings.
- Google Tag Manager: manages the tools above. It does not itself collect personal information.
- Website chat assistant: if you use the chat assistant on our website, the messages you type are processed by our chat provider Limb AI and Claude and may be stored so we can follow up your enquiry. Please don’t enter sensitive information such as your tax file number, bank details or health information into the chat.
- Contact forms: when you send us an enquiry through our website, we collect the details you provide (such as your name, email address, phone number and message) to respond to you.
- Online application: our “Start an Online Application” links take you to a secure online application platform operated by Loan Market Group or its technology provider. Information you enter there is handled in line with this policy and the platform’s own privacy terms.
- Calculators: some calculators on our website are provided by a third party and load only when you choose to launch them. We don’t use the figures you enter in them to identify you.
Information collected by Google may be transferred to and stored on servers outside Australia, including in the United States, and is governed by Google’s Privacy Policy.
Why Do We Collect Your Personal Information?
We collect, hold, use and disclose your personal information for a number of purposes, including:
- carrying on our business and providing our products and services, including credit assistance to you;
- managing our relationship with you and communicating with you;
- giving you information about loan products or related services;
- considering whether you are eligible for a loan or lease product or any related service you requested;
- assisting you to prepare an application for a loan or lease product;
- conducting business processing and administrative functions;
- performing our obligations to third parties involved in your loan or lease product (such as lenders and financiers), so as to assist them in assessing your application or managing their relationship with you;
- referring you to providers of insurance and other services (such as utility connections when you move);
- managing our risks (such as fraud investigation and prevention) and meeting our legal and regulatory obligations;
- where permitted by law, direct marketing and offering you other products and services; and
- complying with any law, rule, regulation, lawful and binding determination, decision or direction of a regulator, or in co-operation with any governmental authority of any country.
If you do not provide us with your personal information or allow us to collect it, some or all of the following may happen:
- we may not be able to provide our products and services to you, either to the same standard or at all;
- we may not be able to perform our obligations to lenders or financiers, which may mean your application for finance cannot be processed;
- we may not be able to provide you with information about products and services that you may want; and
- we may be unable to tailor the content of our website to your preferences.
Who Do We Disclose Your Personal Information To?
We may disclose your personal information:
- to the aggregator through whom we may submit loan or lease applications to lenders or lessors on the aggregator’s panel;
- to the Australian Credit Licence holder that authorises us to engage in credit activities (LMG Broker Services Pty Ltd);
- to industry bodies, valuers, your employers, referees, identity verification services or credit reporting bodies;
- to prospective or actual lenders, lessors, mortgage insurers or other intermediaries in relation to your finance requirements;
- to service providers, agents, contractors and advisers that assist us to conduct our business;
- to associated businesses that may want to market products to you;
- to companies that host our information technology infrastructure, or provide cloud services that we use to hold or process your personal information;
- to anybody who represents you, such as finance brokers, real estate agents, conveyancers, lawyers and accountants;
- to your guarantors or prospective guarantors;
- to auditors, law enforcement agencies and regulators;
- to anyone, where you have provided us with consent;
- where we are required to do so by law, such as under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth); or
- to investors, agents or advisers, or any entity that has an interest in our business.
Do We Disclose Your Personal Information Outside Australia?
We may disclose personal information to our related bodies corporate and third-party suppliers and service providers located overseas for some of the purposes listed above. We take reasonable steps to ensure that overseas recipients of your personal information do not breach the privacy obligations relating to your personal information.
Some of the recipients and systems hosting your personal information may be located outside Australia, including New Zealand, the Philippines and the United States of America. Your personal information may also be stored on cloud servers located outside Australia, and it is not always practicable to know in which country your information may be held or accessed.
Automated Decision Making
We use computer systems to support us in providing our services to you, based on personal information we have collected from you or obtained from other sources on your behalf.
These systems use personal information such as your income, expenses, assets, liabilities, employment, credit history and loan requirements to filter and identify loan products that may be suitable or available to you, based on your needs and the eligibility criteria of different products. They help us decide which products to recommend or make available to you. We, and not the system, make the decision about which products are recommended or made available to you.
Direct Marketing
From time to time we may use your personal information to provide you with current information about finance, offers you may find of interest, changes to our business, or new products or services offered by us or any company with whom we are associated.
If you do not wish to receive marketing information from us, you can tell us at any time by emailing shannon@ingramfinancial.com.au] or calling 0402 283 480. If the marketing is by email, you can also use the unsubscribe link, and if it is by SMS, you can reply STOP. We will not charge you for giving effect to your request and will take all reasonable steps to meet it as soon as possible.
Keeping Your Personal Information Up to Date
It is important to us that the personal information we hold about you is accurate and up to date. During our relationship with you, we may ask you to tell us if any of your personal information has changed. If you wish to make any changes to your personal information, please contact us using the details below. We will generally rely on you to ensure the information we hold about you is accurate and complete.
Requesting Access to Your Personal Information
You have rights under the Privacy Act to request access to the personal information we hold about you, and you may do so at any time. Where we hold information that you are entitled to access, we will provide you with suitable means of accessing it (for example, by mailing or emailing it to you).
We will not charge you for making a request, and we will not charge you for making any corrections to your personal information. Depending on the type of request, we may respond immediately; otherwise we usually respond within 30 days of receiving your request.
There may be situations where we are not required to provide you with access to your personal information, for example if the information relates to existing or anticipated legal proceedings, or if your request is vexatious. If we refuse you access, we will explain why.
Correcting Your Personal Information
If any of the personal information we hold about you is incorrect, inaccurate or out of date, you may ask us to correct it. If appropriate, we will correct it at the time of your request. Otherwise, we will provide an initial response within seven days of receiving your request and, where reasonable and after our investigation, tell you whether we have corrected it within 30 days. We may need to consult with other entities as part of our investigation.
If we refuse to correct your personal information, we will give you our reasons and, at your request, take reasonable steps to add a note to the information stating that you disagree with it.
Using Government Identifiers
If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than as required by law. We do not adopt any government identifier as our own identifier of you.
Dealing With Us Without Identifying Yourself
In most circumstances we will need to identify you in order to do business with you. However, where it is lawful and practicable, we will give you the option of dealing with us without identifying yourself or by using a pseudonym, for example if you make a general enquiry about interest rates or current offers.
How We Protect and Store Your Personal Information
We take reasonable steps to protect your personal information from misuse, interference, loss and unauthorised access, modification or disclosure. We may store your personal information in paper and electronic form, and we use secure systems, access controls and reputable cloud services to do so.
The internet is not completely secure, so we cannot guarantee the security of information you send to us online, or that it will not be intercepted while being transmitted.
We keep your personal information only for as long as we need it for the purposes described in this policy or as required by law. Credit laws generally require us to keep records of the credit assistance we provide for at least seven years. When we no longer need your personal information, we take reasonable steps to destroy it securely or de-identify it.
Data Breaches
If we become aware of a data breach involving your personal information that is likely to result in serious harm to you, we will notify you and the Office of the Australian Information Commissioner (OAIC) as required by the Notifiable Data Breaches scheme under the Privacy Act.
Complaints
If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, please contact our privacy officer, Shannon Ingram, using the details below. We ask that privacy complaints be made in writing so that we can be sure about the details.
We will typically acknowledge your complaint within seven days and usually give you a decision within 30 days. If we need more time, we will let you know. You can also read about our general complaints process on our Feedback and Complaints page.
If you are not satisfied with our response, you can contact the Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme, at www.afca.org.au or 1800 931 678, or the Office of the Australian Information Commissioner at www.oaic.gov.au or 1300 363 992.
Contacting Us
If you have any questions about this privacy policy, a concern or complaint about how we have handled your privacy, or you wish to request access to or correction of your personal information, please contact us:
- Privacy officer: Shannon Ingram, Ingram Financial Pty Ltd (ATF Ingram Family Trust), ABN 69 618 146 267
- Email: shannon@ingramfinancial.com.au
- Phone: 0402 283 480
Changes to Our Privacy Policy
We may revise this privacy policy from time to time to reflect changes to the law or our practices. When we make changes, they will be published on this page. To the extent permitted by law, any revised policy will apply both to information we already hold about you at the time of the change and to personal information collected after the change takes effect. We encourage you to check this page from time to time.
Last updated: 29/09/2026