Pivacy Policy
1. About this Privacy Policy
Last updated: 14 July 2026
Peasy Services Pty Ltd trading as Peasy respects your privacy and is committed to handling personal information responsibly.
This Privacy Policy explains how we collect, hold, use, disclose and protect personal information and credit-related information.
It also explains how you may:
- access personal information we hold about you;
- ask us to correct information;
- withdraw or change certain consents;
- opt out of marketing; and
- make a privacy complaint.
This policy applies to information collected through:
- www.peasy.com.au;
- enquiries and appointment bookings;
- telephone, email, SMS and video meetings;
- mortgage and finance applications;
- calculators, questionnaires and budget planners;
- webinars, guides and downloadable resources;
- Buyer Coach and property assistance services;
- reports and consultations;
- client portals and document systems;
- social media and advertising platforms; and
- our other business dealings with prospective clients, clients, suppliers and referral partners.
2. Who we are
Peasy Services Pty Ltd trading as Peasy
ABN 82 607 331 206
Suite 4, 174–180 Pacific Highway
North Sydney NSW 2060
Australia
Email: joelwyld@peasy.com.au
Phone: 02 8904 1176
Where Peasy provides regulated consumer credit assistance, that assistance is provided through appropriately authorised credit representatives of:
Australian Finance Group Ltd
ABN 11 066 385 822
Australian Credit Licence 389087
Joel Wyld is an Authorised Credit Representative of Australian Finance Group Ltd, Credit Representative Number 420244.
Our licensee and aggregator may have separate legal and privacy obligations in relation to information connected with our credit activities.
3. Meaning of personal information
Personal information is information or an opinion about an identified individual or an individual who is reasonably identifiable.
It may include information that is true or untrue and information recorded or communicated in different forms.
Some financial, credit, identity and taxation information is subject to additional legal protections.
4. Information we may collect
The information collected will depend on the services you request and your dealings with us.
4.1 Identity and contact information
We may collect:
- your name;
- residential, postal and previous addresses;
- email address;
- telephone number;
- date of birth;
- gender, where relevant;
- marital or relationship status;
- identification documents;
- signatures;
- residency, citizenship and visa information;
- customer or application numbers; and
- information used to verify your identity.
Identification documents may include a driver licence, passport, Medicare card, birth certificate or other identity document.
4.2 Employment and income information
We may collect:
- occupation and employment status;
- employer details;
- employment history;
- salary and other employment income;
- payslips and employment contracts;
- bonuses, allowances, commission and overtime;
- self-employment and business income;
- company, trust and partnership information;
- taxation returns and notices of assessment;
- business financial statements;
- rental and investment income;
- government benefits;
- superannuation information; and
- other sources of income.
4.3 Financial information
We may collect:
- bank account details;
- bank statements and transaction information;
- assets and liabilities;
- living expenses;
- savings and deposits;
- existing loans and credit limits;
- repayment history;
- property ownership details;
- investments and superannuation;
- dependants and financial commitments;
- taxation debts;
- source of funds;
- financial hardship information; and
- information concerning your capacity to meet repayments.
Documents supplied to us may contain tax file numbers or government-related identifiers. We only use or disclose those identifiers where permitted or required by law and do not use them as our own general customer identifier.
4.4 Credit-related information
Where lawful and necessary, we may collect or hold credit-related information, including:
- consumer credit information;
- credit reporting information;
- credit eligibility information;
- credit scores or assessments;
- credit enquiries;
- repayment history information;
- defaults, serious credit infringements or insolvency information;
- information about existing and previous credit accounts;
- lender decisions;
- information obtained from a credit reporting body; and
- information relevant to assessing or assisting with an application for credit.
We may require separate consent before obtaining a credit report or disclosing information for a credit assessment.
4.5 Property and transaction information
We may collect:
- details of properties you own or are considering purchasing;
- purchase prices and proposed offers;
- property addresses;
- contract and settlement information;
- valuations and market estimates;
- rental income and expenses;
- loan securities;
- property reports;
- building, pest or strata information provided to us;
- information about proposed renovations or construction; and
- information relevant to a property or lending strategy.
4.6 Family, business and related-party information
We may collect information about:
- a spouse or partner;
- joint applicants;
- dependants;
- guarantors;
- family members involved in a transaction;
- company directors and shareholders;
- trustees and beneficiaries;
- business partners;
- accountants, lawyers or other advisers; and
- persons authorised to act for you.
Where you provide information about another person, you must have authority to provide it and should make them aware of this Privacy Policy.
4.7 Communications and recordings
We may collect:
- email and SMS communications;
- telephone call notes;
- correspondence;
- client file notes;
- meeting notes;
- video or telephone recordings;
- meeting transcripts;
- chatbot conversations;
- enquiries, complaints and feedback; and
- records of instructions and consents.
Where a call or meeting is recorded or transcribed, we will generally notify participants or obtain consent where required.
4.8 Website and technical information
When you use our website or online services, we may collect:
- IP address;
- browser type;
- device type;
- operating system;
- pages viewed;
- links clicked;
- dates and times of visits;
- referral source;
- approximate location derived from technical information;
- cookie and advertising identifiers;
- form activity;
- webinar registrations;
- campaign interactions; and
- information about how you interact with our website and communications.
4.9 Marketing information
We may collect:
- your communication preferences;
- newsletter subscriptions;
- webinar interests;
- responses to campaigns;
- advertising interactions;
- referral source;
- competition or promotion entries;
- review or testimonial information; and
- records of marketing consent and unsubscribe requests.
4.10 Sensitive information
We do not generally seek sensitive information unless it is reasonably necessary for a particular service, required or authorised by law, or provided with appropriate consent.
Where sensitive information is collected, we will handle it in accordance with applicable legal requirements.
5. How we collect information
We may collect personal information:
- directly from you;
- through website forms and calculators;
- during telephone, video or in-person meetings;
- through email, SMS or other communications;
- through a client portal or document upload facility;
- from a joint applicant, guarantor or authorised representative;
- from your accountant, solicitor, conveyancer, employer or other adviser;
- through website analytics, cookies and tracking technologies; and
- from other lawful sources.
- from a lender, mortgage insurer or credit provider;
- from Australian Finance Group Ltd;
- from a credit reporting body, with appropriate authority;
- from an open banking or account-information provider, with your consent;
- from a referral partner;
- from property data and valuation providers;
- from government agencies and public registers;
- from identity verification providers;
- from social media and advertising platforms;
We will generally collect information directly from you where it is reasonable and practicable to do so.
6. Anonymous and pseudonymous dealings
You may make a general website enquiry anonymously or using a pseudonym where it is lawful and practicable.
We will usually need your correct identity before we can:
- provide personalised credit assistance;
- verify your financial circumstances;
- obtain a credit report;
- submit a finance application;
- prepare certain paid reports;
- comply with fraud-prevention or identification requirements; or
- provide services requiring us to know who you are.
7. Why we collect and use information
We may collect, hold, use and disclose personal information to:
- respond to enquiries;
- arrange appointments;
- identify and verify clients;
- understand your goals, requirements and financial position;
- provide mortgage broking and credit assistance;
- research and compare potential lenders or credit products;
- assess the apparent suitability of lending options;
- prepare and submit finance applications;
- communicate with lenders and other transaction participants;
- assist with residential, commercial or asset finance;
- assist with refinancing and debt consolidation;
- provide Buyer Coach and property assistance services;
- prepare property, suburb or related reports;
- provide budget planning and borrowing-capacity information;
- administer webinars, events and educational resources;
- process fees and payments;
- obtain valuations, credit reports or other third-party reports;
- maintain client and transaction records;
- provide ongoing loan and client support;
- monitor and improve our services;
- train and supervise staff;
- maintain quality and compliance standards;
- investigate complaints;
- detect and prevent fraud, cybersecurity threats and unlawful activity;
- comply with our obligations to our licensee, regulators and government bodies;
- establish, exercise or defend legal rights;
- manage our business and service providers;
- send marketing where permitted; and
- carry out other purposes disclosed at the time of collection.
8. What happens if information is not provided
You do not have to provide personal information merely to browse the public parts of our website.
However, if you do not provide information requested for a service, we may be unable to:
- verify your identity;
- properly understand your financial circumstances;
- provide personalised assistance;
- assess possible lending options;
- obtain information from a lender or credit reporting body;
- prepare or submit an application;
- complete a report;
- process a payment; or
- comply with our legal and licensee obligations.
Incomplete or inaccurate information may affect the accuracy of our work and may result in a lender delaying, declining or withdrawing an application or approval.
9. Who we may disclose information to
We may disclose personal information, where appropriate, to:
- Australian Finance Group Ltd and its related entities;
- banks, non-bank lenders and other credit providers;
- credit reporting bodies;
- mortgage insurers;
- valuers;
- asset finance providers;
- property data and report providers;
- identity verification providers;
- open banking and account-information providers;
- accountants, solicitors, conveyancers and other professional advisers;
- real estate, building, pest, strata or property professionals where authorised;
- settlement agents;
- government agencies and regulators;
- external dispute resolution bodies;
- our insurers, auditors, consultants and legal advisers;
- payment processors and accounting providers;
- customer relationship management and loan-processing providers;
- cloud storage and document-management providers;
- Microsoft 365, Google Workspace or similar productivity providers;
- appointment booking, email, SMS and webinar providers;
- analytics, advertising and social media platforms;
- Accurateli Pty Ltd and other document data-extraction or automation providers, where used;
- AI, transcription, communications and chatbot providers;
- offshore staff and contractors;
- prospective purchasers or advisers involved in a proposed business sale or restructure;
- referral partners where you have consented or would reasonably expect the disclosure; and
- any other person authorised by you or permitted or required by law.
We do not sell your personal information to data brokers.
10. Australian Finance Group
As our credit licensee and aggregator, Australian Finance Group Ltd may collect, hold, use or disclose information associated with our credit activities.
Information may be entered into systems supplied or supported by Australian Finance Group and may be made available to it for purposes including:
- loan processing;
- lender communication;
- compliance;
- commission administration;
- quality assurance;
- complaints handling;
- auditing;
- supervision of credit representatives; and
- meeting legal or regulatory obligations.
Australian Finance Group has its own privacy policy, which applies to information it handles.
11. Credit reporting
Where you provide appropriate authority, we may assist in obtaining credit-related information from a credit reporting body or provide information to a lender that obtains a credit report.
Credit reporting bodies may include organisations such as Equifax, Experian or illion, depending on the lender, service and consent provided.
Credit reporting information may be used to:
- verify information;
- assess eligibility or borrowing capacity;
- understand existing credit commitments;
- identify potential credit issues;
- assist with a credit application;
- manage or investigate a complaint; or
- comply with legal obligations.
A lender or credit provider may separately disclose information about an application or credit account to a credit reporting body in accordance with its own privacy and credit reporting policy.
You may have rights to:
- obtain access to credit reporting information;
- ask for inaccurate information to be corrected;
- request that a credit reporting body not use credit reporting information for certain direct marketing purposes; and
- request a temporary ban where you believe you are or may be the victim of fraud.
Further information should be obtained from the relevant lender or credit reporting body.
12. Overseas access and disclosure
Some Peasy staff, contractors and service providers may access or process information from outside Australia.
At the date of this policy, our principal known overseas staff or contractor location is the Philippines.
Some cloud, technology, analytics, communications, AI and software providers may store, process or permit support access to data from other countries. The countries involved will depend on the provider, its infrastructure and the settings used for the relevant service.
Where practicable, we take reasonable steps to assess service providers, apply contractual and access controls, and require personal information to be handled consistently with applicable Australian privacy requirements.
A current description of known overseas arrangements may be requested by contacting us.
13. AI, data extraction and automated tools
We may use computer programs and automated tools to assist our staff and improve the efficiency of our services.
These tools may include:
- optical character recognition;
- document data extraction;
- rules-based calculations;
- borrowing-capacity calculators;
- workflow automation;
- AI-assisted drafting;
- meeting transcription;
- chatbots;
- fraud or security monitoring; and
- tools that identify missing, inconsistent or potentially relevant information.
Information processed by these tools may include:
- identification and contact details;
- income and employment information;
- expenses;
- assets and liabilities;
- bank transaction information;
- tax and financial documents;
- property information;
- existing credit commitments;
- application information; and
- communications with Peasy.
Automated tools may be used to:
- extract data from documents;
- perform calculations;
- provide indicative results;
- identify information that requires clarification;
- organise or prioritise workflow;
- prepare draft notes or communications;
- assist with lender or scenario research; and
- support fraud, compliance or security checks.
Unless clearly disclosed to you in relation to a particular service, Peasy does not rely solely on an automated tool to make a final decision to approve or decline credit. Credit approval decisions are made by the relevant lender.
Automated outputs may be incomplete or incorrect and may be reviewed by Peasy staff.
You may contact us if you have questions about the role of an automated tool in your matter or wish to request human review of an output where appropriate.
14. Cookies and tracking technologies
Our website may use cookies, pixels, tags and similar technologies.
These may include:
Essential technologies
These help the website operate, maintain security, remember basic settings and process forms.
Analytics technologies
These help us understand website traffic, page usage, performance and how visitors interact with the website.
Advertising technologies
These may be used by Peasy or advertising platforms such as Google or Meta to:
- measure advertising performance;
- understand campaign interactions;
- create audiences;
- limit repeated advertising; and
- show advertising that may be more relevant to website visitors.
Embedded content
Videos, maps, social media features, booking tools and other embedded services may place their own cookies or collect technical information.
Where a cookie preference tool is available, you may use it to manage non-essential cookies.
You may also change browser settings to block or delete cookies. Blocking some cookies may affect website functionality.
Third-party analytics and advertising providers handle information in accordance with their own privacy policies.
15. Direct marketing
We may use personal information to send:
- email newsletters;
- SMS messages;
- webinar invitations;
- mortgage and property information;
- service announcements;
- promotional offers;
- retargeted advertising; and
- information about Peasy or selected partners.
We will only send direct marketing where we have consent, where you would reasonably expect it, or where otherwise permitted by law.
You may opt out at any time by:
- using the unsubscribe facility in an email;
- replying “STOP” where an SMS facility permits;
- adjusting applicable communication preferences; or
- contacting joelwyld@peasy.com.au.
We will process unsubscribe requests within the period required by law.
Opting out of marketing does not prevent us from sending communications that are reasonably necessary to provide a service, administer an application, meet a legal obligation or respond to an enquiry.
We do not use sensitive information for direct marketing without consent.
16. Information security
We take reasonable administrative, technical and organisational steps to protect personal information from:
- misuse;
- interference;
- loss;
- unauthorised access;
- unauthorised modification; and
- unauthorised disclosure.
Measures may include:
- access controls;
- staff training;
- password and authentication controls;
- secure systems and service providers;
- confidentiality obligations;
- device and network protections;
- monitoring and backup procedures;
- limiting access according to role; and
- incident-response processes.
No online system or electronic transmission is completely secure. You should protect your passwords, devices and email accounts and notify us promptly if you believe information or correspondence has been compromised.
17. Data breaches
We maintain processes for responding to suspected privacy and security incidents.
Where a data breach is likely to result in serious harm and notification is required under applicable law, we will take reasonable steps to notify affected individuals and the Office of the Australian Information Commissioner.
We may also notify our licensee, service providers, insurers, law enforcement agencies or other relevant bodies where appropriate.
18. Retention and deletion
We retain personal information for as long as reasonably required to:
- provide services;
- maintain client and transaction records;
- comply with credit, taxation, corporate and other legal requirements;
- comply with licensee, professional or insurance requirements;
- resolve complaints or disputes;
- prevent fraud; and
- establish, exercise or defend legal rights.
Retention periods may vary according to the type of information and service.
When information is no longer required and we are not required or permitted to retain it, we will take reasonable steps to destroy it securely or de-identify it.
Backups and archived records may take additional time to be removed through normal system cycles.
19. Accessing personal information
You may request access to personal information we hold about you by contacting:
Joel Wyld
Email: joelwyld@peasy.com.au
Phone: 02 8904 1176
We may need to verify your identity before providing access.
In some circumstances, the law permits or requires us to refuse access or provide access in a different form. Where appropriate, we will explain the reason for a refusal, unless doing so would be unlawful.
We do not generally charge for making an access request. A reasonable administrative charge may apply in some circumstances where permitted by law, but we will discuss this with you before incurring the charge.
20. Correcting personal information
You may ask us to correct information you believe is inaccurate, out of date, incomplete, irrelevant or misleading.
We may take reasonable steps to verify the requested correction.
Where we correct information previously disclosed to another organisation, you may ask us to notify that organisation where required and practicable.
Where we do not agree to a requested correction, we will explain the reason where required and may allow you to have a statement associated with the information.
21. Privacy and service complaints
You may make a complaint if you believe:
- we have mishandled personal or credit-related information;
- we have not complied with this Privacy Policy;
- information is inaccurate or has been improperly disclosed;
- a marketing preference has not been respected; or
- you are dissatisfied with our credit assistance or another service.
Please first contact:
Joel Wyld
Peasy Services Pty Ltd trading as Peasy
Suite 4, 174–180 Pacific Highway
North Sydney NSW 2060
Email: joelwyld@peasy.com.au
Phone: 02 8904 1176
Please provide enough information for us to understand and investigate the complaint.
We will acknowledge and investigate the complaint and aim to provide a response within the timeframe required by applicable law. Standard financial service and credit complaints will generally receive a written response within 30 calendar days, although different timeframes may apply to certain complaint types.
22. Escalating a complaint to Australian Finance Group
If your complaint concerns credit assistance and you are not satisfied with Peasy’s response, you may contact our licensee:
Complaints Officer
Australian Finance Group Ltd
Email: complaints@afgonline.com.au
Phone: 1300 130 987
Post: GPO Box 2730, Cloisters Square WA 6850
You are not prevented from exercising any right to approach an external dispute resolution body where you are entitled to do so.
23. Australian Financial Complaints Authority
If a credit or financial service complaint remains unresolved, you may be entitled to contact the Australian Financial Complaints Authority, known as AFCA.
AFCA provides a free and independent external dispute resolution service.
Phone: 1800 931 678
Email: info@afca.org.au
Post: GPO Box 3, Melbourne VIC 3001
Website: www.afca.org.au
Time limits may apply to complaints made to AFCA.
24. Office of the Australian Information Commissioner
For a privacy complaint, you may also contact the Office of the Australian Information Commissioner.
The Commissioner may ordinarily expect you to raise the matter with Peasy first and allow us a reasonable opportunity to respond.
Phone: 1300 363 992
Website: www.oaic.gov.au
25. External websites and services
Our website may link to third-party websites or include services operated by third parties.
We are not responsible for the privacy practices of those third parties. You should review their privacy policies before supplying information.
Where you leave the Peasy website, this Privacy Policy may no longer apply.
26. Changes to this Privacy Policy
We may update this Privacy Policy to reflect:
- changes in our services;
- changes in technology;
- changes in our information-handling practices;
- new service providers;
- legal or regulatory changes; or
- changes to our business structure.
The current version will be published on our website with its updated date.
Where a change materially affects how we use information already collected, we will take additional steps where required by law.
27. Contact us
Questions, access requests, correction requests and privacy complaints may be directed to:
Joel Wyld
Peasy Services Pty Ltd trading as Peasy
Suite 4, 174–180 Pacific Highway
North Sydney NSW 2060
Australia
Email: joelwyld@peasy.com.au
Phone: 02 8904 1176
