PRIVACY POLICY

Keeping Your Details Secure

Ampire Mortgage Management Services Pty Ltd

ABN: 26 689 050 726 | Australian Credit Licence: 571954

Last Updated: April 2026

  • At Ampire MMS, we take your privacy seriously. This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our mortgage management services.

    We are committed to handling your information responsibly and transparently, in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). Whether you're a borrower, broker, introducer, or referrer, we want you to feel confident that your information is in safe hands.

    We may update this policy from time to time, so please check back periodically for any changes.

  • What we collect

    To provide you with lending services, we need to collect certain information about you. This may include:

    Personal details

    • Name, date of birth, and contact information

    • Residential and employment history

    • Government-issued identification (driver's licence, passport, Medicare card)

    Financial information

    • Income, assets, and liabilities

    • Bank statements and transaction history

    • Tax returns and employment records

    • Credit history and credit scores

    Loan-related information

    • Details about the property or security being financed

    • Information about your loan requirements and objectives

    Sensitive information

    • In some cases, we may collect sensitive information (such as health information) if it's relevant to your loan application. We will only do this with your consent.

    How we collect it

    We collect information:

    • Directly from you (through applications, forms, phone calls, and emails)

    • From brokers, introducers, or referrers who submit applications on your behalf

    • From credit reporting bodies and other lenders

    • From publicly available sources

    • From your employer, accountant, or other third parties you authorise us to contact

    Why we need it

    We collect this information to:

    • Assess your loan application and determine suitable lending options

    • Verify your identity (as required under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006)

    • Manage your loan throughout its term

    • Comply with our legal and regulatory obligations

  • How we use your information

    We use your personal information to:

    • Process and assess loan applications

    • Provide ongoing mortgage management services

    • Communicate with you about your loan

    • Conduct identity verification and fraud prevention

    • Meet our regulatory obligations to ASIC, AUSTRAC, and other authorities

    Who we may share it with

    We may disclose your information to:

    Service providers

    • Valuers, solicitors, and settlement agents

    • Credit reporting bodies

    • Insurance providers

    • IT and data storage providers

    Financial partners

    • Lenders and financial institutions involved in your loan

    • Private investors (for non-conforming or private lending arrangements)

    • Mortgage insurers

    Regulatory bodies

    • Australian Securities and Investments Commission (ASIC)

    • Australian Transaction Reports and Analysis Centre (AUSTRAC)

    • Australian Financial Complaints Authority (AFCA)

    • Other government agencies as required by law

    Other parties

    • Your authorised representatives (brokers, accountants, lawyers)

    • Fraud prevention and identity verification services

    We will only share your information where necessary to provide our services or where required by law. We do not sell your personal information to third parties for marketing purposes.

  • Keeping information accurate

    We take reasonable steps to ensure the personal information we hold is accurate, complete, and up-to-date. If you believe any information we hold about you is incorrect, please contact us so we can update our records.

    Protecting your information

    We implement appropriate technical and organisational measures to protect your personal information from:

    • Unauthorised access

    • Misuse or disclosure

    • Loss or damage

    • Interference

    These measures include:

    • Secure data storage systems with encryption

    • Access controls and staff training

    • Regular security assessments

    • Confidentiality agreements with service providers

    We retain your information for as long as necessary to fulfil the purposes outlined in this policy, or as required by law (typically at least 7 years for financial records).

  • We may collect and use government identifiers (such as your driver's licence number, passport number, or Medicare number) to verify your identity. This is required under the AML/CTF Act 2006 and helps us meet our obligations to prevent fraud and money laundering.

    We will only use these identifiers for:

    • Identity verification purposes

    • Compliance with legal and regulatory requirements

    We do not use government identifiers as our own internal reference numbers.

  • In some circumstances, we may need to disclose your personal information to recipients located outside Australia. This may occur when:

    • We use cloud-based data storage services with servers located overseas

    • We engage international service providers for IT support or data processing

    • Your loan involves international parties or cross-border arrangements

    Before disclosing information overseas, we take reasonable steps to ensure the recipient will handle your information in accordance with the Australian Privacy Principles, or that you have provided appropriate consent.

    Common destinations may include the United States, United Kingdom, Singapore, and New Zealand, depending on our service providers.

  • From time to time, we may contact you with information about our products and services that we believe may be relevant to you. This could include:

    • New lending products

    • Refinancing opportunities

    • Updates about our services

    Your choices

    You can opt out of receiving marketing communications at any time:

    Please note that even if you opt out of marketing, we will still send you important communications about your existing loans or legal notices.

  • Our website uses cookies and similar technologies to improve your browsing experience and collect information about how visitors use our site.

    What are cookies?

    Cookies are small text files stored on your device when you visit a website. They help us remember your preferences and understand how you interact with our site.

    How we use them

    We use cookies to:

    • Remember your preferences and settings

    • Analyse website traffic and usage patterns

    • Improve our website functionality

    • Ensure security and prevent fraud

    Your control

    Most web browsers allow you to control cookies through their settings. You can choose to accept or reject cookies, or receive notifications when cookies are being sent. Please note that disabling cookies may affect your experience on our website.

  • Our website may contain links to external websites operated by third parties (such as lenders, government agencies, or industry bodies). These links are provided for your convenience.

    Important: We are not responsible for the privacy practices or content of these third-party websites. We encourage you to read the privacy policies of any external sites you visit.

  • We are committed to resolving any privacy concerns you may have quickly and fairly.

    How to make a complaint

    If you believe we have breached your privacy or mishandled your personal information, please contact us:

    By phone: 1300 800 088
    By email:admin@ampiremms.com.au
    Online:www.ampiremms.com.au
    By mail: Suite 502, Level 5, 379 Kent Street, Sydney NSW 2000

    Please provide as much detail as possible about your concern so we can investigate promptly.

    Our commitment

    Where possible, we will try to resolve your complaint immediately. If the matter requires further investigation, we will:

    • Acknowledge your complaint within 5 business days

    • Keep you informed of our progress

    • Provide a written response within 30 days

    External review

    If you are not satisfied with our response, you may escalate your complaint to the Australian Financial Complaints Authority (AFCA). AFCA provides independent dispute resolution services free of charge.

    Australian Financial Complaints Authority
    GPO Box 3, Melbourne VIC 3001
    Phone: 1800 931 678 (free call)
    Email: info@afca.org.au
    Website: www.afca.org.au

    AFCA Membership Number: 121015

    You may also lodge a complaint with the Office of the Australian Information Commissioner (OAIC) regarding privacy matters.

  • We may update this Privacy Policy from time to time to reflect changes in our business practices, legal requirements, or regulatory obligations.

    When we make significant changes, we will:

    • Update the "Last Updated" date at the top of this policy

    • Notify you by email or through our website where appropriate

    • Ensure the revised policy is easily accessible on our website

    We encourage you to review this policy periodically to stay informed about how we protect your information.

  • We welcome your questions, feedback, or requests regarding this Privacy Policy or your personal information.

    Ampire Mortgage Management Services Pty Ltd
    ABN: 26 689 050 726
    Australian Credit Licence: 571954

    Phone: 1300 800 088
    Email: admin@ampiremms.com.au
    Website: www.ampiremms.com.au

    Head Office:
    Suite 502, Level 5
    379 Kent Street
    Sydney NSW 2000

    Accessing and correcting your information

    Under the Privacy Act 1988, you have the right to:

    • Request access to the personal information we hold about you

    • Request corrections to any inaccurate or outdated information

    • Request deletion of your information in certain circumstances

    To make a request, please contact us using the details above. We may need to verify your identity before processing your request. We will respond within a reasonable timeframe, usually within 30 days.

    This Privacy Policy is governed by the laws of New South Wales and the Commonwealth of Australia.