The information provided in this Statement including the Privacy Policy, Disclaimer and Terms and Conditions covers your use of the website This website is owned and operated by Resimac Ltd ACN 002 997 935 trading as Loan Enquiry ("Resimac").
  1. Information Collected
  2. Your Identity
  3. Access to Information About You
  4. Using the Information About You
  5. Opt In and Opt Out Policy
  6. In Summary
  7. Your Consent
  8. Tell Us What You Think

1. Information Collected
Unless you specifically tell us, Resimac Ltd will never know who you are. If you choose to interact with Resimac Ltd, you have our commitment to your privacy - as a user of Resimac Ltd we pledge to provide you with some important rights:
Note that collection and use of personal information provided by you on a Finance Application (or similar form) is dealt with by a separate Privacy Statement.

2. Your Identity
Resimac Ltd tracks traffic patterns throughout sites but unless you specifically tell us, Resimac Ltd will never know who you are.
We may use a feature of your browser called a "cookie" to assign a "User ID." Cookies, by themselves, cannot be used to find out your identity. It only identifies your computer to our servers when you visit our site.
To the extent that you disclose your personal information to other organisations that may be linked or associated with our website, different rules may apply to their collection, use or disclosure of your personal information and we are not responsible for their use or disclosure. You should review the policies on those websites.

3. Access to Information About You
It is our policy to allow you to access the information we have about you. You may also request us to make any reasonable changes by contacting us. Our contact details are set out at the end of this statement.

4. Using the Information on You
Resimac Ltd will use your information to help provide financial services to you. Resimac Ltd aims to provide you with better services to keep you returning to visit our site.
Resimac Ltd will not sell, trade, give or rent any personally identifiable information obtained from you to a third party unless you consent.

5. Opt In and Opt Out Policy
Resimac Ltd allows you to control all communications directed to you.
We only send our e-mail newsletters to users who ask to receive them.
We may also send you e-mail communications to provide information which we think you will find useful, including information about new products and services from Resimac Ltd. We only send e-mail to customers who give us permission to do so.
You may unsubscribe from any e-mail list by following the simple instructions on how to immediately unsubscribe or opt out.
If you change or move e-mail addresses please let us know so we can redirect your e-mail to your new address.

6. In Summary
Resimac Ltd is committed to protecting your privacy.
We use the information we collect to enhance the quality of the service we deliver to you.
We do not sell, trade or rent your personal information to others.
You can access all the information we have collected and stored about you or request changes.

7. Your Consent
By using our sites, you consent to the collection and use of your information by Resimac Ltd for the purpose of providing financial services to you. If we decide to change our privacy policy, we will post those changes on our website so that you are always aware of what information we collect and how we use it.

8. Tell Us What You Think
Resimac Ltd welcomes your questions and comments about privacy. Please send a fax to: The Privacy Officer on (02) 9290 2304.
If you have any queries or concerns about how we collect or use your personal information, please contact The Privacy Officer on (02) 9248 0300.



The information contained within this Privacy Policy, (including any Disclaimers and Terms and Conditions) covers your use of all Resimac Group financial products and services including the use of our related websites.


Resimac Group Ltd (ACN: 095 034 003, Australian Credit Licence: 247829) and our related businesses Resimac Limited (ACN: 002 997 935, Australian Credit Licence: 247283), Pty Ltd (Australian Credit Licence: 390850, ABN: 49 118 337 367), Paywise (ACN: 007 388 696) and RHG Mortgages (ABN: 48 065 912 932) are collectively known as the Resimac Group and are referred to in this Policy as "us," "we," and "our".

The Resimac Group is an organisation that offers financial products and services and provides credit to approved applicants. We also provide funding via our established and longstanding Mortgage Originator partners. We also process and assess information when investors invest funds with us. We may also market or provide other products from time to time, pursuant to our licenses.


We take privacy seriously as part of our commitment to providing our customers with excellent service and to achieving excellence in compliance.

This document sets out our Privacy commitment in respect of personal information (including credit information) that you may provide to us.

You may request this Policy in an alternative form where appropriate and without charge.


When we refer to personal information, we mean information or an opinion about you, from which you are, or may reasonably be, identified.

The kinds of personal information we may collect about you may include (but is not limited to) your name, date of birth, driver's licence number, marital status, phone number, email address, address, nationality, employment history, income, assets, liabilities, living expenses and repayment history information.


Credit information is a subset of personal information, which is used to assess your eligibility to be provided with credit and may include any finance that you have outstanding, your repayment history in respect of that credit, and any defaults. Usually, credit information is exchanged between lenders and credit reporting bodies.

If you are applying for credit, we may also collect other information such as the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses.


Due to the nature of the services provided by us, some of the information collected may be sensitive information, including, but not limited to, details about your health or ethnic background. For example, you may be asked to provide information about whether or not you are an Aboriginal or Torres Strait Islander or if you are applying for insurance. In addition, you may be asked for information about pre-existing medical conditions.

It is not common practice for us to collect other sensitive information about you (such as information about your religion, trade union membership, political opinion, sexual preference, or criminal record), and we will only do so if such information is required for one or more of our functions or activities.

We will only collect sensitive information about you with your consent or where required or authorised or otherwise permitted under law.


We will only collect information if it is reasonably necessary for one or more of our functions or activities.

We collect and receive personal information about you in order to conduct our business and to provide our services, including the purposes set out under the headings below.


We may collect personal information from you in a number of circumstances, including where you:

Where reasonable and practical, we will collect personal information from you directly.

We will also collect information about you from third parties, such as a partner or spouse who contacts us on your behalf, from our contractors who supply services to us, through our business partners and referrers (such as mortgage originators and brokers), from a publicly maintained record or from other individuals, credit reporting bodies or companies or individuals authorised by you.

If you do not provide the information requested by us, we may not be able to provide you with our services.


We may use and disclose your personal information for the purpose for which it has been provided, for reasonably related secondary purposes, any other purpose you have consented to and any other purpose permitted under the Privacy Act. This may include using your personal information for the following purposes:


The security of your information is very important to us. We will take reasonable steps (such as, but not limited to, restricting and monitoring access to personal information) to protect any personal information from misuse, loss, unauthorised access, modification, misuse or disclosure.

Your personal information may be held by us in paper form, electronic form, on our secure servers or in cloud storage.

Your personal information may be combined or linked with personal information held about another individual (i.e. where a loan is held in joint name).

We regularly review developments in security and encryption technologies. Unfortunately, no data transmission over the internet can be guaranteed as totally secure.

If we no longer require your information, and we are legally permitted to, we will take all reasonable steps to destroy or de-identify the information.

We take reasonable steps to preserve the security of cookie and personal information in accordance with this policy. If your browser is suitably configured, it will advise you whether the information you are sending us will be secure (encrypted) or not secure (unencrypted).


The types of organisations that we may disclose information about you include:

Overseas disclosure

We may disclose your personal and credit information to overseas entities that provide support functions to us including entities in New Zealand and the Philippines. You may obtain more information about these entities by contacting us.

Prior to disclosing any of your personal information to another person or organisation, we will take reasonable steps to satisfy ourselves that:

(a) the person or organisation has a commitment to protecting your personal information at least equal to our commitment, or
(b) you have consented to us making the disclosure.


We may collect the following kinds of credit information and exchange this information with credit reporting bodies and other entities:

We exchange this credit information for the purposes of assessing your application for credit and managing that credit.


The law requires us to advise you of ‘notifiable matters’ in relation to how we may use your credit information. You may request to have these notifiable matters (and this privacy policy) provided to you in an alternative form.

We exchange your credit information with credit reporting bodies. We use the credit information that we exchange with the credit reporting body to assess your creditworthiness, assess your application for finance and managing your finance.

If you fail to meet your payment obligations in relation to any finance that we have provided or arranged or you have committed a serious credit infringement then we may disclose this information to a credit reporting body.

You have the right to request access to the credit information that we hold about you and make a request for us to correct that credit information if needed. Please refer to the heading access and correction of your personal and credit information, below.

At times, your credit information will be used by credit reporting bodies for the purposes of ‘pre-screening’ credit offers on the request of other credit providers. You can contact the credit reporting body at any time to request that your credit information is not used in this way.

You may contact the credit reporting body to advise them that you believe that you may have been a victim of fraud. For a period of 21 days after the credit reporting body receives your notification the credit reporting body must not use or disclose that credit information.

You can contact any of the following credit reporting bodies for more information:


From time to time we may use your personal information to provide you with current information about mortgage loans, special offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company (such as QBE Insurance) that we are associated with. By providing us with your personal information, you consent to us using your information to contact you on an ongoing basis for this purpose, including by mail, email, SMS, social media and telephone.

If you do not wish to receive marketing information, you may at any time decline to receive such information by contacting our Privacy Officer on 1300 764 447. Similarly, if you wish to know the source of information being used, you can request this information by contacting the Privacy Officer on 1300 764 447.

We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.

We will not use or disclose sensitive information about you for direct marketing purposes unless you have consented to that use or disclosure.


It is important to our relationship that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.

If you wish to make any changes to your personal information (including your credit related personal information) that we hold about you, you should contact us to have it updated. We will generally rely on you to assist us in informing us if the information we hold about you is inaccurate or incomplete.


We will provide you with access to the personal and credit information we hold about you, subject to limited exceptions in the Privacy Act as outlined below. You may request access to any of the personal or credit information we hold about you, at any time, using the details specified below.

We may charge a fee for our reasonable costs in retrieving and supplying the information to you. Depending on the type of request that you make we may respond to your request immediately or within a reasonable period after receiving your request. We may need to contact other entities to properly investigate your request.

If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information at the time of the request. Otherwise, we will provide an initial response to you within seven days of receiving your request.

Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.

We may need to consult with other entities as part of our investigation.

If we refuse to correct personal information we will provide you with our reasons for not correcting the information.


There are circumstances in which we are not required to provide you with access to personal information or to credit information, and in those circumstances, we may decline any request you make.

An explanation will be provided to you if we deny you access to your personal information we hold.


If we collect government identifiers, such as your tax file number, we do not use or disclose this information other as than where we are required by law to do so.


In most circumstances, it will be necessary for us to identify you in order to successfully do business with you, however, where, it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information.

Such a situation would include where you make general inquiries about interest rates or current promotional offers.



A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be retrieved by our webpage servers. Cookies are frequently used on websites and you can choose, at any time, if and how a cookie will be accepted by configuring your preferences and option in your internet browser.

We use cookies for different purposes, such as:

IP address

Your Internet Protocol address (IP address) is the numerical identifies for your computer when you are using the internet. It may be necessary for us to collect your IP address for your interaction with various parts of our website.

Third Party Websites

Our website also contains links to the websites of third party providers of goods and services (Third Party websites). If you have accessed Third Party websites through our website and if those third parties collect information about you, we may also collect or have access to that information as part of our arrangements with those third parties

Where you access a third-party website from our website, cookie information, information about your preferences or other information you have provided about yourself may be shared between us and the third party.


You may request further information about the way we manage your personal information or lodge a complaint by contacting our Privacy Officer on 1300 764 447. We will acknowledge receipt of your complaint within two business days.

We will investigate your complaint and provide a response to you within a maximum of forty-five calendar days, provided that we have all necessary information and have completed any investigation required. If further information, assessment, or investigation is required, we will seek to agree alternative time frames with you.

If you are dissatisfied with our response to your complaint, you may make a complaint to our External Dispute Resolution Scheme, Australian Financial Complaints Authority (AFCA), which can be contacted on 1800 931 678 or or the Privacy Commissioner which can be contacted on either or 1300 363 992.


You can contact us by calling 1300 764 447 or by writing to:

Resimac Group Ltd
Level 9, 45 Clarence Street, Sydney NSW 2000
PO Box H284 Australia Square NSW 1215

Alternatively, you can email us at


We regularly review our policies to keep up to date with market expectations, technology, the law and market place practices.

As a consequence, we may change this Privacy Policy from time to time or as the need arises. You can obtain a current copy on our website at any time or by contacting us on the details below.

This Privacy Policy was last updated in December 2018.