Nostos Finance (ABN 81 699 602 465, "we", "us", "our") respects your privacy and handles your personal information carefully. This policy explains what we collect, how we use it, and who we share it with, in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

By using this website or engaging our services, you agree to the collection and use of your information as set out below.

Depending on how you interact with us, we may collect:

• Contact details, including your name, phone number, email address and postal address
• Financial information, including income, assets, liabilities, employment details and bank statements
• Identification information, including your date of birth and identity documents, where required for verification
• Property details relevant to your loan application
• Credit information, including your credit history and credit reports
• Information you provide through our website contact form, including the nature of your enquiry

We collect personal information directly from you, including:

• When you submit an enquiry through our website
• When you speak with us by phone or email
• When you provide documents in support of a loan application

We may also collect information from third parties, such as credit reporting bodies, lenders, your accountant, or your referrer, where you have consented to this or where the law allows it.

We use your personal information to:

• Assess your finance needs and provide advice and recommendations
• Prepare and submit loan applications on your behalf
• Communicate with you about your enquiry or application
• Comply with our legal and regulatory obligations
• Improve our services and this website

We may disclose your personal information to:

• Lenders and their representatives, to process your application
• Our credit licensee, Mortgage Specialists Pty Ltd (Australian Credit Licence 387025), who gives us access to lender panels and compliance support
• Credit reporting bodies, in accordance with Part IIIA of the Privacy Act 1988 (Cth)
• Your accountant, solicitor or financial adviser, where you have authorised this
• Government or regulatory bodies, where required by law

We do not sell your personal information to third parties.

As a mortgage broker, we may obtain a credit report about you from a credit reporting body to assess your loan application. We will only do this with your consent. Credit reporting bodies handle this information in accordance with their own privacy policies and the credit reporting provisions of the Privacy Act 1988 (Cth).

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification or disclosure. This includes secure storage systems and restricting access to personal information to those who need it to perform their role.

We retain your personal information only for as long as necessary to fulfil the purposes described in this policy, or as required by law.

You have the right to request access to the personal information we hold about you, and to request that it be corrected if it is inaccurate, out of date or incomplete. To make a request, contact us using the details below. We will respond within a reasonable timeframe.

If you have a concern about how we have handled your personal information, please contact us in the first instance using the details below. If you are not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

Our website may use cookies or similar technologies to improve your browsing experience and understand how visitors use our site. You can adjust your browser settings to refuse cookies, though this may affect some website functionality.

We may update this policy from time to time to reflect changes in our practices or legal obligations. The updated version will be posted on this page with a revised date.

If you have any questions about this policy or how we handle your personal information, contact us:

• Business name: Nostos Finance
• ABN: 81 699 602 465
• Email: Greg@nostosfinance.com.au
• Phone: 0405 771 035
• Nostos Finance Pty Ltd: Corporate Credit Representative Number 580696
• Gregory Vetsikas: Credit Representative Number 547323
• Credit Licensee: Mortgage Specialists Pty Ltd, ACN 612 422 178, Australian Credit Licence 387025