Refii ("we", "us", "our") operates a website and referral service that helps Australian homeowners compare home loan refinancing options and connects them with independently licensed mortgage broker partners. This policy explains what personal information we collect, how we use it, and who we share it with.
We handle personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).
We collect information you provide directly when you use our savings estimate tool, contact us, or apply to become a partner broker. Depending on how you use the site, this may include:
| Category | Examples |
|---|---|
| Contact details | Name, email address, phone number |
| Loan details | Loan balance, interest rate, lender, property location, loan-to-value ratio |
| Financial information | General income or borrowing details you choose to share, where relevant to an estimate |
| Technical information | IP address, browser type, pages visited, referring website (via standard analytics) |
| Broker applications | Business name, licence details and contact information, for brokers applying to join our network |
We only collect what's reasonably necessary to provide our services. You're not required to provide information you're not comfortable sharing, though this may limit our ability to give you an estimate or connect you with a broker.
We do not provide credit assistance, financial advice or loan approvals ourselves. Refii is a referral and comparison service — any credit assistance you receive is provided directly by one of our independently licensed broker partners.
If you request a savings estimate or ask to be connected with a broker, we share the relevant information with the broker partner(s) best matched to your enquiry, so they can contact you and provide credit assistance directly. We may also share information with:
We do not sell your personal information to third parties.
Our website may use cookies and similar technologies to understand how visitors use the site and to improve performance. You can control or disable cookies through your browser settings, though some parts of the site may not function as intended if you do.
We take reasonable steps to protect the personal information we hold from misuse, interference, loss, and unauthorised access, modification or disclosure. No method of storage or transmission over the internet is completely secure, so we can't guarantee absolute security.
We retain personal information for as long as reasonably necessary to fulfil the purposes described in this policy, or as required by law, after which it is securely deleted or de-identified.
You can ask us for access to, or correction of, the personal information we hold about you, by contacting us using the details below. We'll respond within a reasonable timeframe.
If you have a concern about how we've handled your personal information, please contact us first so we can try to resolve it. If you're not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).
We may update this policy from time to time. The "last updated" date at the top of this page reflects the most recent version.
For any privacy questions, requests, or complaints, email us at [email protected].