Updated 30 Aug 2026
1. Our commitment
Mortgage Zero is committed to handling personal information responsibly and transparently. This policy explains the kinds of information we may collect, why we collect it, how we use and disclose it, and how you may access, correct or raise concerns about your information.
2. Personal information we may collect
Depending on how you interact with us, we may collect:
- your name, address, email address and telephone number;
- identity and eligibility information;
- details about your mortgage, property, income, expenses, assets, liabilities and financial objectives;
- documents you upload or provide during fact-finding and onboarding;
- records of enquiries, meetings, consents and communications;
- information about professional or referral relationships; and
- technical information including IP address, device, browser, cookies and website-usage data.
We may also handle sensitive information where it is reasonably necessary and you consent, or where otherwise permitted by law.
3. How we collect information
We may collect information directly from you through forms, telephone calls, meetings, document uploads, email and use of our website. With your authority, information may also be collected from brokers, advisers, referrers, lenders, product providers, identity-verification services and other third parties.
4. Why we use your information
We may use personal information to:
- respond to enquiries and prepare a complimentary Mortgage Elimination Report;
- assess eligibility and model potential mortgage and investment scenarios;
- facilitate onboarding, document collection and ongoing reviews;
- communicate with you and maintain service records;
- manage referrals and professional partnerships;
- improve our website, modelling tools and client experience;
- meet legal, regulatory, security and risk-management obligations; and
- send marketing communications where permitted, with an option to unsubscribe.
5. Disclosure
We may disclose information to service providers and professional advisers who assist with technology, cloud hosting, communications, document management, analytics, identity verification, legal or compliance services. Subject to your authority and applicable law, information may also be disclosed to brokers, advisers, lenders, investment or product providers and referral partners involved in delivering or assessing a service.
We do not sell personal information. Providers must only use information for authorised purposes and must protect it appropriately.
6. Overseas disclosure
Some technology or cloud providers may store or process information outside Australia. The final policy must identify likely countries where practicable and explain the safeguards applied.
7. Security and retention
We take reasonable administrative, technical and physical steps to protect information against loss, misuse, interference and unauthorised access, modification or disclosure. No online transmission or storage system can be guaranteed completely secure. We retain information only for as long as reasonably required for the relevant purpose or by law, after which it is securely destroyed or de-identified.
8. Access and correction
You may request access to personal information we hold about you or ask us to correct information that is inaccurate, incomplete or out of date. We may need to verify your identity and may decline access where permitted by law, in which case we will explain the reason where appropriate.
9. Cookies and analytics
Our website may use cookies and similar technologies to operate, remember preferences, understand traffic and improve performance. Browser settings may allow you to refuse or delete cookies, although parts of the website may then function differently.
10. Marketing choices
You may opt out of marketing communications using the unsubscribe facility provided or by contacting us. Service and administrative messages may still be sent where required.
11. Privacy concerns
Please contact us if you have a privacy question or complaint. We will acknowledge and investigate concerns within a reasonable period. If you are not satisfied, you may be entitled to contact the Office of the Australian Information Commissioner.
12. Contact
Mortgage Zero
Level 2, 28 Riddell Parade
Elsternwick VIC 3185
info@mortgagezero.com.au
1300 984 476
13. Updates
We may update this policy to reflect changes to our practices, systems or legal obligations. The current version will be published on this website with its effective date.