Gateway Finance · www.gatewayfinance.com.au · Last updated: 6 August 2026
1. About this policy
Gateway Finance, and its related entities, together “Gateway Finance”, “we”, “us” or “our”) provides credit assistance services. We are finance and mortgage brokers: we help you find, compare, apply for and obtain loans and other credit products from a panel of third-party lenders. We are not a lender and we do not provide credit ourselves.
This policy explains how we collect, hold, use and disclose your personal information, including credit information and credit eligibility information, in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code. It applies to our websites (including www.gatewayfinance.com.au and related pages), our offices, our phone and email interactions, our social media pages, and our advertising (including lead forms on platforms such as Facebook and Instagram).
By providing your personal information to us, or by using our website and services, you consent to the collection, use, storage and disclosure of your personal information as described in this policy.
2. What information we collect
The information we collect depends on the service you ask us for. It may include:
- Identity and contact details: name, date of birth, address, phone, email, and identification documents (such as driver licence or passport) where required for verification.
- Financial information: income, employment details, expenses, assets, liabilities, existing loans, bank statements, superannuation details, and information about your financial goals and objectives.
- Credit information and credit eligibility information, including repayment history, defaults, credit applications, credit scores and reports obtained from credit reporting bodies (with your consent) for the purpose of providing credit assistance.
- Property and asset information: details of property you own or intend to purchase, and vehicles or equipment you intend to finance.
- Business information: if you seek business or asset finance, information about your business, its structure, financials and directors.
- Interaction information: records of our communications with you, enquiry and lead form submissions (including forms submitted through Facebook, Instagram or Google), appointment details, and call recordings where notified.
- Website and device information: IP address, browser and device data, pages visited, and information collected through cookies and similar technologies (see section 8).
We generally do not seek sensitive information (such as health information). Where it is reasonably necessary (for example, hardship or insurance-related matters) we will only collect it with your consent.
If you do not provide information
You can deal with us anonymously or using a pseudonym for general enquiries. However, if you do not provide the information we request, we may be unable to provide credit assistance, assess suitable products, or submit applications to lenders on your behalf.
3. How we collect information
- Directly from you, in person at our offices, by phone, email, SMS, video call, through forms on our website, or through lead forms on advertising platforms.
- From third parties with your consent, including credit reporting bodies, your existing lenders, your employer or accountant (to verify details), your other professional advisers, and people you authorise to act for you.
- From lenders and insurers in the course of your application, and from our aggregator through whose platform applications are lodged.
- From referral partners, such as real estate agents, accountants, financial planners, solicitors, dealers or related businesses within our group, where you have asked them to refer you to us or consented to the referral.
- Automatically through our website and advertising technologies (see section 8).
4. Why we collect, hold and use your information
- To provide credit assistance, including assessing your requirements and objectives, your financial situation, and which credit products may be suitable for you.
- To prepare and submit loan or finance applications to lenders on your behalf, and to manage those applications through to settlement and afterwards.
- To verify your identity and comply with our legal obligations, including under the National Consumer Credit Protection Act 2009 (Cth) (including responsible lending and best interests obligations), the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), and record-keeping requirements.
- To communicate with you, including responding to enquiries, providing updates on applications, and conducting ongoing loan reviews.
- To provide you with information about products, services, offers and events that may interest you (direct marketing, see section 7).
- To improve our services, websites and advertising, train our staff, and maintain our records and systems.
- To manage complaints, disputes and our professional obligations, including audits by our licensee, aggregator or regulators.
5. Credit reporting
In providing credit assistance we may collect credit eligibility information about you from credit reporting bodies (CRBs), with your consent. We use this information to assess your position and the products likely to be suitable for you, and we may disclose it to lenders on our panel as part of your application, as permitted by the Privacy Act.
The CRBs we (or the lenders we submit applications to) may deal with include Equifax (equifax.com.au), Experian (experian.com.au) and illion (illion.com.au). Each CRB has a policy explaining how it manages credit information, available on its website. You have the right to access your credit information held by a CRB, request corrections, request that a CRB not use your information for pre-screening of direct marketing by credit providers, and place a ban period on your file if you believe you have been or may be a victim of fraud.
6. Who we disclose your information to
We disclose personal information only for the purposes described in this policy, and we require third parties who handle information for us to protect it. Depending on your circumstances, we may disclose your information to:
- Lenders, credit providers and financiers on our panel, and their agents, for the purpose of assessing and processing your application.
- Lenders mortgage insurers, title insurers and valuers, where relevant to your application.
- Our licensee and aggregator, whose systems are used to lodge and manage applications, and who conduct compliance oversight of our business.
- Our related businesses within the Freedom Group, where you have been referred between our services or have consented, so that we can serve you across our group.
- Referral partners who referred you to us, limited to confirming the general progress or outcome of your enquiry. Any referral arrangement is disclosed to you as required by law.
- Service providers who support our business, including customer relationship management, document management and e-signature platforms, IT and cloud hosting providers, marketing and communications platforms, and administrative support personnel engaged by us (including our offshore support office, see section 9).
- Our professional advisers, including lawyers, accountants, auditors and insurers.
- Government agencies, regulators, courts and external dispute resolution schemes where required or authorised by law.
- Anyone you authorise us to share information with.
We do not sell your personal information.
7. Direct marketing
We may use your contact details to send you information about products, services, offers, market updates and events that may be relevant to you, by email, SMS, phone, post or through online platforms, where permitted by law (including the Spam Act 2003 (Cth) and the Do Not Call Register Act 2006 (Cth)).
We may also use limited information (such as a hashed version of your email address or phone number) to deliver or measure advertising through platforms such as Meta (Facebook and Instagram) and Google, for example to show our ads to audiences similar to our clients, or to exclude existing clients from advertising. These platforms do not receive your information in readable form and are contractually restricted in how they may use it.
You may opt out of direct marketing at any time by using the unsubscribe link in our emails, replying STOP to an SMS, or contacting us using the details in section 13. Opting out of marketing does not affect communications we are required to send you about your loan or application.
8. Cookies, analytics and advertising technologies
Our website uses cookies and similar technologies, including Google Analytics, Google Tag Manager and the Meta Pixel, to understand how visitors use the site, measure the performance of our advertising, and show relevant ads to people who have visited our site. These tools may collect your IP address, device information and browsing behaviour on our site. You can manage cookies through your browser settings, and manage your ad preferences through Google and Meta’s ad settings. Disabling cookies may affect parts of the website.
If you submit a lead form on Facebook, Instagram or Google, the platform also handles your information under its own privacy policy in addition to ours.
9. Overseas disclosure
Some of the parties we use to operate our business are located, or store information, outside Australia. In particular:
- Administrative, marketing and client support services are provided by our support office located in the Philippines, under contractual confidentiality and privacy obligations to us.
- Our software providers (including CRM, communications, cloud hosting, analytics and advertising platforms) may store or process information in the United States and other countries in which they operate.
Where we disclose personal information overseas, we take reasonable steps to ensure the recipient handles it consistently with the Australian Privacy Principles.
10. How we hold and protect your information
We hold information in secure electronic systems (including our CRM, document management and loan lodgement platforms) and, in limited cases, in paper files at our offices. We protect it using measures appropriate to its sensitivity, including access controls and user permissions, password and multi-factor authentication, encryption in transit, staff confidentiality obligations and training, and secure destruction or de-identification when information is no longer required.
We retain information for as long as needed to provide our services and to meet our legal obligations (which for credit assistance records is generally at least seven years). No system is completely secure. If a data breach occurs that is likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner (OAIC) as required by the Notifiable Data Breaches scheme.
11. Access and correction
You may request access to the personal information we hold about you, and ask us to correct it if it is inaccurate, out of date, incomplete, irrelevant or misleading. We will respond within a reasonable period (usually 30 days). We do not charge for making a request, though we may charge our reasonable costs of providing access in some cases. If we refuse access or correction, we will tell you why in writing and how you may complain about that decision.
12. Complaints
If you have a concern about how we have handled your personal information, please contact us first using the details below. We will acknowledge your complaint and aim to resolve it within 30 days. If you are not satisfied with our response, you may complain to:
- The Australian Financial Complaints Authority (AFCA), our external dispute resolution scheme. Website www.afca.org.au, phone 1800 931 678.
- The Office of the Australian Information Commissioner (OAIC). Website www.oaic.gov.au, phone 1300 363 992.
13. Contact us
Privacy Officer, Gateway Finance
- Email: info@gatewayfinance.com.au (mark attention: Privacy Officer)
- Phone: 1300 584 011
- Post: PO Box 4250, Robina Town Centre QLD 4230
- Head office: 3/1 Bell Place, Mudgeeraba QLD 4213
14. Changes to this policy
We may update this policy from time to time. The current version will always be published at www.gatewayfinance.com.au/privacy-policy with the date of the last update. Significant changes will be notified on our website.