Privacy Policy

Last updated: 22 February 2026

LMI Waiver Australia (“we”, “us”, “our”) is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, disclose, and protect your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This policy applies to all personal information collected by us, whether through our website at lmiwaiver.com.au, by phone, email, in person, or through any other channel.

1. What Personal Information We Collect

We may collect the following types of personal information depending on the services you request:

Identity and contact information

Full name, date of birth, and gender
Residential and postal address
Email address and phone numbers
Driver's licence, passport, or other government-issued identification

Financial and employment information

Current occupation, employer name, and employment history
Income details, payslips, tax returns, and employment contracts
Bank account details and bank statements
Existing debts, liabilities, and financial commitments
Assets and savings information

Credit and loan information

Credit history and credit reports from credit reporting bodies
Existing loan details and repayment history
Loan application details and supporting documentation
Property details and valuations

Website and technical information

IP address and browser type
Pages visited, time spent on pages, and referring URLs
Cookies and similar tracking technologies (see Section 9)

We do not collect sensitive information (such as health information, racial or ethnic origin, political opinions, or religious beliefs) unless it is directly relevant to the services we provide and you have consented to its collection.

2. How We Collect Your Information

We collect personal information in a number of ways, including:

Directly from you: When you complete an enquiry form on our website, email us, provide documents for a loan application, or communicate with us in any way.
From third parties: With your consent, we may collect information from your employer, accountant, solicitor, real estate agent, or other professional advisers.
From lenders and aggregators: During the loan application and assessment process.
From credit reporting bodies: When conducting credit checks as part of a loan application (see Section 5).
From publicly available sources: Such as public registers and directories.
Automatically through our website: Using cookies, analytics tools, and server logs.

If you provide us with personal information about another person (such as a co-borrower or guarantor), you must ensure that person is aware of this Privacy Policy and consents to us collecting their information.

3. Why We Collect and Use Your Information

We collect and use your personal information for the following purposes:

To assess your eligibility for an LMI waiver and identify suitable lenders
To assess your financial position and determine loan suitability under responsible lending obligations
To prepare and submit loan applications on your behalf
To communicate with you about your application, loan options, and our services
To comply with our legal and regulatory obligations under the National Consumer Credit Protection Act 2009 and other applicable laws
To verify your identity
To respond to your enquiries and provide customer support
To improve our services, website, and user experience
To send you information about products or services that may be relevant to you (with your consent, and you may opt out at any time)

We will only use your personal information for the purpose for which it was collected, or a directly related purpose that you would reasonably expect, unless we have your consent or are required by law to do otherwise.

4. Who We Share Your Information With

We may disclose your personal information to the following types of organisations:

Lenders and mortgage insurers: To process your loan application and assess LMI waiver eligibility
Our aggregator/licensee: As required under our credit representative or licensing arrangements
Credit reporting bodies: To conduct credit checks (see Section 5)
Valuers and property assessors: To obtain property valuations for loan applications
Solicitors, conveyancers, and settlement agents: To facilitate loan settlement
Government and regulatory bodies: Including ASIC, the Australian Taxation Office, and AUSTRAC, as required by law
Our service providers: Including IT providers, cloud storage providers, and email platforms that help us operate our business

We require all third parties to handle your personal information in accordance with the Privacy Act and only for the specific purpose for which it was disclosed. We do not sell your personal information to any third party.

5. Credit Reporting

As part of assessing your loan application, we may request a credit report about you from a credit reporting body, disclose credit-related information about you to a credit reporting body, and use credit information to assess your creditworthiness and loan suitability.

The credit reporting bodies we may use include Equifax Australia, Illion, and Experian Australia. Each has its own privacy policy available on their website.

Your rights in relation to credit reporting information include the right to request access to your credit report, request correction of inaccurate information, request that a credit reporting body not use your information for direct marketing, and request a ban period if you believe you may be a victim of fraud.

This information is handled in accordance with Part IIIA of the Privacy Act 1988 and the Privacy (Credit Reporting) Code 2025.

6. How We Store and Protect Your Information

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure. Our security measures include:

Encrypted data transmission (SSL/TLS) on our website
Secure, access-controlled storage systems
Password protection and multi-factor authentication for staff access
Regular security reviews and updates
Staff training on privacy and information security obligations

We will retain your personal information for as long as necessary to fulfil the purposes for which it was collected and to comply with our legal obligations, including record-keeping requirements under the NCCP Act which requires retention for at least 7 years.

7. Your Rights — Access and Correction

You have the right to request access to the personal information we hold about you, and to request correction of any personal information that is inaccurate, out of date, incomplete, or misleading.

To make a request, contact us using the details in Section 11. We will respond within 30 days. In most cases, there will be no charge for accessing your information.

8. Direct Marketing

We may use your personal information to send you information about our services or market insights that we believe may be of interest to you. You can opt out of receiving marketing communications from us at any time by clicking the “unsubscribe” link in any marketing email or by contacting us directly.

9. Cookies and Website Analytics

Our website uses cookies and similar technologies to improve your browsing experience and help us understand how visitors use our site. We may use analytics services that collect aggregate, anonymised information about website usage. You can control cookies through your browser settings.

10. Complaints

If you believe we have breached your privacy or mishandled your personal information, you are entitled to make a complaint.

Step 1 — Contact us directly. We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days.

Step 2 — External dispute resolution. If you are not satisfied with our response, you can lodge a complaint with:

Office of the Australian Information Commissioner (OAIC): Phone 1300 363 992 or visit oaic.gov.au
Australian Financial Complaints Authority (AFCA): Phone 1800 931 678 or visit afca.org.au

11. How to Contact Us

If you have any questions about this Privacy Policy, wish to access or correct your information, or want to make a complaint, please contact us:

LMI Waiver Australia
Suite 1, Level 9, 283 George St
Sydney, NSW 2000
Email: info@lmiwaiver.com.au

12. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make changes, we will update the “Last updated” date at the top of this page. Your continued use of our website and services after any changes constitutes your acceptance of the updated policy.