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Privacy Policy

Last Updated: 11/02/2026

At Clarity Financial Solutions (operating under O&S Services Pty Ltd, ABN 81 687 299 887), we are committed to protecting your privacy and the confidentiality of your personal information.

This Privacy Policy explains how we collect, hold, use, and disclose your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. What Personal Information We Collect

To provide you with expert mortgage broking and finance services, we need to collect personal and financial information. This may include, but is not limited to:

  • Identification Details: Name, date of birth, address, email address, and phone numbers.
  • Financial Information: Income, expenses, assets, liabilities, bank statements, and tax returns.
  • Employment Details: Current and previous employment history, PAYG summaries, and employer contact details.
  • Credit Information: Credit history, credit scores, and details of any past bankruptcies or defaults.
  • Government Identifiers: Driver’s licence, passport details, or Medicare numbers (strictly for identification and verification purposes as required by law).

2. How We Collect Your Information

We collect personal information directly from you in most cases, such as when you:

  • Complete our online enquiry forms or client questionnaires.
  • Attend a consultation (in person, via phone, or via video call).
  • Provide documents to us via email or a secure portal.

With your consent, we may also collect information from third parties, including:

  • Credit reporting bodies.
  • Your employer or accountant.
  • Banks, lenders, and other financial institutions.
  • Real estate agents or conveyancers.

3. Why We Collect, Use, and Disclose Your Information

We only collect your personal information where it is reasonably necessary for our business functions. The primary purposes for which we use your data include:

  • Assessing your eligibility for a loan or finance product.
  • Recommending a suitable loan product or financial strategy.
  • Preparing and submitting loan applications to lenders on your behalf.
  • Managing our ongoing relationship with you, including annual loan reviews.
  • Complying with our legal and regulatory obligations, such as the National Consumer Credit Protection Act 2009 and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.

4. Who We Disclose Your Information To

To secure the best financial outcomes for you, we may need to disclose your personal information to third parties, including:

  • Lenders and Financiers: To assess and process your loan application.
  • Mortgage Aggregators: Our licensee/aggregator who facilitates our access to lenders and provides compliance oversight.
  • Government Authorities: Such as the State Revenue Office (for First Home Owner Grants), the ATO, or AUSTRAC, where required by law.
  • Professional Providers: Valuers, lenders’ mortgage insurers (LMI), your conveyancer, solicitor, or accountant (with your consent).
  • Service Providers: IT contractors, secure cloud storage providers, and administrative support staff who help us run our business securely.

We do not sell your personal information to third-party marketing companies.

5. Security of Your Personal Information

We take the security of your data seriously. We hold your personal information in secure electronic databases and take reasonable physical and digital steps to protect it from misuse, interference, loss, unauthorized access, modification, or disclosure. When your personal information is no longer needed for any legal or business purpose, we securely destroy or de-identify it.

6. Accessing and Correcting Your Information

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

7. Privacy Complaints

If you believe we have breached the Australian Privacy Principles or have a concern about how we handle your personal information, please contact us. We will investigate your complaint and provide a formal response in writing, usually within 30 days.

If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC) or the Australian Financial Complaints Authority (AFCA).

8. Contact Us

If you have any questions about this Privacy Policy or wish to discuss your personal information, please get in touch with us:

Email: info@clarityfs.com.au

Business Name: Clarity Financial Solutions (O&S Services Pty Ltd)

ABN: 81 687 299 887

Phone: 0429 533 236