Privacy, Terms & Conditions and Disclaimer

Privacy Policy

Effective Date: 10/10/2025
Last Updated: 10/10/2025

1. Introduction

At Soulution Finance, we are committed to protecting your privacy and handling your personal information responsibly. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our mortgage broking services, visit our website, or engage with our content, including videos and social media.

We are bound by the Australian Privacy Principles contained in the Privacy Act 1988 (Cth) and the National Consumer Credit Protection Act 2009 (Cth).

2. Who We Are

Business Name: Soulution Finance Pty Ltd
ABN:52691480832
Credit Representative Number:
Location: Sydney, New South Wales, Australia
Contact:0451 008 228

3. Information We Collect

3.1 Personal Information

We may collect the following personal information:

Contact Details:

Full name, address, email address, phone numbers
Emergency contact information

Identification Information:

Date of birth and place of birth
Driver's license, passport, Medicare card, or other government-issued ID
Tax File Number (when required for loan applications)

Financial Information:

Income details (employment, business, rental, investment income)
Employment history and current employment information
Bank statements and transaction records
Asset and liability information (property, savings, debts, credit cards)
Credit history and credit reports
Tax returns and financial statements
Superannuation information

Property Information:

Details of properties you wish to purchase, refinance, or invest in
Current property ownership details
Rental income information
Property valuations

Loan Information:

Loan purpose and amount requested
Preferred loan features and repayment terms
Previous loan applications and refinancing history
Borrowing capacity and serviceability assessments

3.2 Automatically Collected Information

When you visit our website or engage with our digital content:

IP address and browser type
Pages visited and time spent on site
Referring website or source
Device information
Cookies and similar tracking technologies
Video viewing data and engagement metrics

3.3 Information from Third Parties

We may collect information from:

Credit reporting agencies
Employers (with your consent)
Financial institutions and lenders
Property valuers and real estate agents
Accountants and financial advisors (with your consent)
Government agencies (as required by law)

4. How We Collect Information

We collect information through:

Initial consultations and meetings (in-person, phone, video)
Online forms and applications on our website
Email correspondence and document uploads
Phone conversations (which may be recorded for quality and training purposes)
Third-party verification services
Credit reporting agencies
Social media interactions
Video content engagement and comments

5. How We Use Your Information

5.1 Primary Purposes

We use your personal information to:

Provide Mortgage Broking Services:

Assess your financial situation and borrowing capacity
Research and compare suitable loan products
Prepare and submit loan applications to lenders
Negotiate loan terms and conditions on your behalf
Provide ongoing support throughout the loan process
Manage your client relationship

Educational Content and Communication:

Provide market updates and economic insights
Send educational resources and guides
Communicate about industry trends and opportunities
Share video content and educational materials
Respond to your inquiries and provide support

Legal and Regulatory Compliance:

Meet obligations under the National Consumer Credit Protection Act
Comply with Anti-Money Laundering and Counter-Terrorism Financing laws
Maintain records as required by ASIC
Report to regulatory bodies when required
Verify your identity and prevent fraud

Business Operations:

Improve our services and website functionality
Maintain accurate client records
Process payments and commissions
Conduct market research and analytics
Manage business relationships and partnerships

5.2 Marketing and Communications

With your consent, we may use your information to:

Send newsletters and market updates
Provide property investment insights
Share educational videos and content
Inform you of new services or offers
Conduct surveys and gather feedback

You can opt out of marketing communications at any time by clicking "unsubscribe" in emails or contacting us directly.

6. Information Sharing and Disclosure

We may share your personal information with:

6.1 Lenders and Financial Institutions

Banks, credit unions, and non-bank lenders for loan applications
Mortgage insurers and guarantors
Credit providers and assessment services

6.2 Third-Party Service Providers

Credit reporting agencies (Equifax, Experian, Illion)
Property valuers and quantity surveyors
Settlement agents and conveyancers
Insurance providers
Aggregators and licensees
Technology and software providers
Marketing and analytics services

6.3 Professional Advisors

Accountants and tax advisors
Financial planners
Legal advisors and solicitors
Real estate agents (with your consent)

6.4 Regulatory Bodies

Australian Securities and Investments Commission (ASIC)
Australian Financial Complaints Authority (AFCA)
Australian Transaction Reports and Analysis Centre (AUSTRAC)
Other regulatory or government agencies, as required by law

6.5 Other Parties

We may disclose information:

With your explicit consent
To protect our legal rights or comply with legal processes
In the event of a business sale or merger
To prevent fraud or criminal activity

We will never sell, rent, or trade your personal information to third parties for their marketing purposes without your explicit consent.

7. Credit Reporting

7.1 Credit Information

We may obtain credit reports from credit reporting bodies to assess your loan application. This may include:

Credit history and repayment information
Credit enquiries from other credit providers
Publicly available information (bankruptcies, court judgments)
Credit scores and ratings

7.2 Your Credit Report Rights

You have the right to:

Request a copy of your credit report
Correct inaccurate information
Request that credit reporting bodies not use your information for pre-screening
Complain about credit reporting issues

Credit Reporting Bodies:

Equifax: www.equifax.com.au | 138 332
Experian: www.experian.com.au | 1300 783 684
illion: www.illion.com.au | 13 23 33

8. Data Security and Storage

8.1 Security Measures

We implement robust security measures, including:

Technical Safeguards:

Encrypted data transmission (SSL/TLS)
Secure cloud storage with encryption at rest
Multi-factor authentication for system access
Regular security updates and patches
Firewalls and intrusion detection systems
Regular security audits and penetration testing

Physical Security:

Locked filing cabinets for physical documents
Restricted access to office premises
Secure document destruction procedures (shredding)
Access controls and visitor logs

Administrative Safeguards:

Staff training on privacy and data security
Clear data handling policies and procedures
Background checks for employees
Confidentiality agreements with staff and contractors
Regular review of access permissions

8.2 Data Retention

We retain your personal information only as long as necessary:

Active Client Files:

Duration of service relationship plus 7 years (as required by law)

Loan Application Records:

7 years from loan settlement or application withdrawal

Identification Documents:

As required by Anti-Money Laundering legislation (7 years)

Marketing Data:

Until you unsubscribe or request deletion

Video Content Engagement:

Aggregated analytics are retained indefinitely; personal viewing data is retained for 2 years

After retention periods expire, we securely destroy or anonymise information in accordance with our data destruction policy.

8.3 International Data Transfers

Some of our technology service providers may store data on servers located overseas (typically the USA, Singapore, or other secure jurisdictions). We ensure these providers comply with privacy protections equivalent to Australian standards through contractual obligations and certifications.

9. Cookies and Website Analytics

9.1 What Are Cookies?

Cookies are small text files stored on your device when you visit our website. They help us improve your experience and understand how our website is used.

9.2 Types of Cookies We Use

Essential Cookies:

Required for website functionality
Enable security features and session management

Analytics Cookies:

Google Analytics to understand website usage
Track page views, traffic sources, and user behaviour
Help us improve content and user experience

Marketing Cookies:

Facebook Pixel and other advertising tools
Enable targeted advertising and retargeting
Measure advertising campaign effectiveness

Preference Cookies:

Remember your settings and preferences
Improve your browsing experience

9.3 Managing Cookies

You can control cookies through your browser settings:

Block all cookies
Delete existing cookies
Allow cookies only from specific sites
Receive notifications when cookies are set

Note: Disabling cookies may affect website functionality and your user experience.

9.4 Video Analytics

Our video content (on website, YouTube, social media) may collect:

Viewing duration and completion rates
Engagement metrics (likes, comments, shares)
Device and location information (aggregated)
Referral sources

This helps us understand content performance and improve our educational materials.

10. Your Privacy Rights

Under Australian privacy law, you have the right to:

10.1 Access Your Information

Request copies of personal information we hold about you
Receive information about how we use your data
Request details about third parties we share your data with

How to Request: Contact us using the details below. We'll respond within 30 days and may charge a reasonable fee for extensive requests.

10.2 Correct Your Information

Request corrections to inaccurate or incomplete information
Update your contact details and preferences
Ensure your information is current and accurate

How to Request: Contact us with the corrections needed. We'll update your information within a reasonable timeframe.

10.3 Withdraw Consent

Withdraw consent for certain uses of your information
Opt out of marketing communications
Request we stop processing your data for specific purposes

Note: Some processing is necessary for us to provide services or comply with legal obligations, so complete withdrawal may affect our ability to serve you.

10.4 Request Deletion

Request deletion of your personal information (subject to legal retention requirements)
Right to be forgotten where legally permissible

Note: We must retain certain information for legal, regulatory, or legitimate business purposes (e.g., 7 years for financial records).

10.5 Complain About Privacy Breaches

Lodge complaints about how we handle your information
Request an investigation of privacy concerns

Process: Contact our Privacy Officer first. If unsatisfied, you may escalate to the Office of the Australian Information Commissioner (OAIC).

10.6 Data Portability

Request your information in a portable, machine-readable format where technically feasible
Transfer your data to another service provider

11. Third-Party Links and Services

Our website and social media may contain links to third-party websites, services, or platforms (including YouTube, Facebook, Instagram, and LinkedIn). We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any personal information.

12. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately so we can delete it.

13. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect:

Changes in our practices
New legal or regulatory requirements
Technology updates
Service enhancements

How We Notify You:

Posting the updated policy on our website with a new "Last Updated" date
Email notification to active clients for significant changes
Notice during your next consultation for material changes

Your continued use of our services after changes indicates acceptance of the updated policy.

14. Contact Us

For privacy-related inquiries, access requests, or complaints:

Soulution Finance Pty LTD
Privacy Officer: Jay Ved Prakash
Email: soulutionfinance@gmail.com
Phone: 0451 008 228
Address: Sydney, NSW, Australia

We will acknowledge your inquiry within 7 business days and respond substantively within 30 days.

15. Complaints Process

If you believe we have breached your privacy:

Step 1: Contact our Privacy Officer with details of your complaint

Step 2: We will acknowledge your complaint within 7 business days

Step 3: We will investigate thoroughly and respond with findings within 30 days

Step 4: If corrective action is needed, we will implement it promptly

Step 5: If you're not satisfied with our response, you may escalate to:

Office of the Australian Information Commissioner (OAIC)
Phone: 1300 363 992
Email: enquiries@oaic.gov.au
Website: www.oaic.gov.au
Mail: GPO Box 5218, Sydney NSW 2001

Terms & Conditions

Effective Date: 10/10/2025
Last Updated: 10/10/2025

1. Agreement to Terms

By engaging Soulution Finance services, accessing our website, or using our content, you agree to be bound by these Terms and Conditions. If you do not agree, please do not use our services.

2. Services Provided

2.1 Mortgage Broking Services

Soulution Finance provides mortgage broking services, including:

Assessing your financial situation and borrowing capacity
Researching and comparing loan products from our lender panel
Preparing and submitting loan applications
Negotiating with lenders on your behalf
Providing ongoing support through settlement
Post-settlement loan reviews and refinancing opportunities

2.2 Educational Content

We provide educational content, including:

Blog articles and guides
Video content on social media and our website
Market insights and economic analysis
Property investment information
Email newsletters and updates

Important: All educational content is general information only and does not constitute personal financial advice.

3. Client Obligations

As a client, you agree to:

Provide accurate, complete, and truthful information
Respond promptly to requests for documentation
Disclose all relevant financial information
Inform us of any changes to your circumstances
Review all documents before signing
Meet your obligations to lenders
Pay any applicable fees as agreed

4. Our Obligations

We agree to:

Act in your best interests when providing credit assistance
Provide you with a Credit Guide before providing credit assistance
Assess loan suitability based on your requirements and objectives
Provide clear information about loan products and costs
Maintain professional standards and comply with all regulations
Keep your information confidential (subject to disclosure requirements)

5. Fees and Commission

5.1 Commission Structure

We are typically paid commission by lenders, which may include:

Upfront Commission: Paid when your loan settles (typically 0.55-0.66% of loan amount)
Trail Commission: Ongoing annual payment (typically 0.15-0.20% of outstanding balance)

5.2 Client Fees

In some circumstances, we may charge fees for:

Complex loan structuring
Investment property consulting
Loan application fees (where disclosed upfront)
SMSF lending or commercial loans

All fees will be clearly disclosed before you agree to proceed.

5.3 Clawback Provisions

If you discharge your loan within 18-24 months (varies by lender), we may be required to repay commission to the lender. We reserve the right to recover these costs from you if the discharge was not due to our error or breach.

6. No Guarantee of Approval

While we work diligently to secure loan approval:

We cannot guarantee any lender will approve your application
Lending decisions are made solely by lenders based on their criteria
We are not responsible for lender decisions to decline applications
We will refund any fees paid if we cannot submit your application

7. Responsible Lending

We are bound by responsible lending obligations and must:

Make reasonable inquiries about your financial situation
Take reasonable steps to verify your information
Assess whether the loan is unsuitable for you
Decline to proceed if the loan appears unsuitable

We may refuse to apply if we believe it would not be in your best interests.

8. Lender Panel and Product Selection

8.1 Our Lender Panel

We have access to products from multiple lenders, but:

We do not have access to all lenders in the market
Our recommendations are based on our lender panel
Some lenders may offer products we cannot access

8.2 Product Recommendations

When recommending products, we consider:

Your stated requirements and objectives
Your financial situation and capacity
Product features, costs, and suitability
Commission payable (disclosed in our recommendations)

9. Credit Reporting and Enquiries

By engaging our services, you consent to us:

Obtaining credit reports from credit reporting bodies
Making credit enquiries with lenders
Providing your information to credit providers

Note: Multiple credit enquiries may impact your credit score. We minimise enquiries where possible.

10. Conflicts of Interest

We manage potential conflicts of interest by:

Prioritising your best interests
Disclosing any conflicts in writing
Not accepting benefits that could influence our advice
Maintaining professional standards

Commission Disclosure: We receive commission from lenders, which may vary between products. This is disclosed in our Credit Guide and loan recommendations.

11. Website Use

11.1 Acceptable Use

You may use our website for:

Learning about our services
Accessing educational content
Submitting inquiries
Downloading resources

11.2 Prohibited Use

You may not:

Use automated systems to scrape or download content
Attempt to gain unauthorised access to systems
Upload malicious code or viruses
Impersonate others or provide false information
Use content for commercial purposes without permission
Harass or abuse staff or other users

11.3 Intellectual Property

All content on our website (text, images, videos, logos, graphics) is owned by Soulution Finance or licensed to us. You may not:

Copy, reproduce, or distribute content without permission
Use our branding or logos without authorisation
Modify or create derivative works

Limited License: You may view and download content for personal, non-commercial use only.

12. Video Content and Social Media

12.1 Educational Purpose

Our video content is provided for:

General education and information
Market insights and trends
Property and finance concepts
Community engagement

12.2 Not Personal Advice

All video content is general information only and:

Does not consider your personal circumstances
Is not a substitute for personal financial advice
Should not be relied upon for specific decisions
May become outdated over time

12.3 Comments and Engagement

When commenting on our videos or social media:

Be respectful and courteous
Do not share personal financial information publicly
Understand responses are general in nature
We may remove inappropriate comments

13. Third-Party Services and Links

Our website and content may link to or reference third-party services:

We do not endorse or guarantee third-party services
We are not responsible for third-party content or actions
Your use of third-party services is at your own risk
Review third-party terms and privacy policies separately

14. Disclaimer of Warranties

To the fullest extent permitted by law:

Services are provided "as is" without warranties
We do not guarantee uninterrupted or error-free service
We do not warrant the website's accuracy or completeness
Technical issues may occasionally occur

15. Limitation of Liability

To the extent permitted by law, we are not liable for:

Lender decisions or actions
Market conditions or property value changes
Economic factors beyond our control
Consequential or indirect losses
Losses arising from third-party actions
Technical issues or website unavailability

Nothing in these terms excludes liability that cannot be excluded by law, including for fraud, negligence causing death or personal injury, or breach of consumer guarantees.

16. Indemnity

You agree to indemnify and hold us harmless from:

Claims arising from false or misleading information you provide
Your breach of these terms
Your misuse of our services or website
Your violation of any laws or third-party rights

17. Privacy and Data Protection

Your use of our services is also governed by our Privacy Policy, which forms part of these Terms and Conditions. By using our services, you consent to our collection, use, and disclosure of information as described in the Privacy Policy.

18. Complaints and Disputes

18.1 Internal Complaints Process

If you have a complaint:

Step 1: Contact us directly

Email: soulutionfinance@gmail.com
Phone: 0451 008 228

Step 2: We will acknowledge within 7 business days

Step 3: We will investigate and respond within 30 days

Step 4: If unresolved, we will escalate internally

18.2 External Dispute Resolution

If not satisfied with our response, you may contact:

Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Email: info@afca.org.au
Website: www.afca.org.au
Mail: GPO Box 3, Melbourne VIC 3001

AFCA provides free and independent dispute resolution for financial services.

18.3 Regulatory Complaints

You may also lodge complaints with:

ASIC: www.asic.gov.au | 1300 300 630
OAIC (privacy matters): www.oaic.gov.au | 1300 363 992

19. Termination

19.1 Your Right to Terminate

You may terminate our services at any time by:

Providing written notice
Requesting that we cease acting on your behalf

If termination occurs before settlement, you may be liable for any work completed or fees incurred.

19.2 Our Right to Terminate

We may terminate services if:

You breach these terms
You provide false or misleading information
We believe the loan is unsuitable for you
We cannot fulfil regulatory obligations
There is a conflict of interest that we cannot manage

20. Changes to Terms

We may update these Terms and Conditions by:

Posting updated terms on our website
Notifying active clients of material changes
The effective date will be noted at the top

Continued use of our services after changes indicates acceptance.

21. Governing Law

These Terms and Conditions are governed by the laws of New South Wales, Australia. Any disputes will be subject to the exclusive jurisdiction of the NSW courts.

22. Severability

If any provision of these terms is found to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

23. Entire Agreement

These Terms and Conditions, together with our Privacy Policy and any service agreements, constitute the entire agreement between you and Soulution Finance regarding our services.

24. Contact Information

For questions about these Terms and Conditions:

Soulution Finance

Email: soulutionfinance@gmail.com

Phone: 0451 008 228

Address: Sydney, NSW, Australia

ABN: 52691480832

Credit Representative Number:

Disclaimer

Last Updated: 10/10/2025

General Information Only

All information, content, and materials provided by Soulution Finance through our website, social media channels, videos, blogs, emails, and other communications are for general informational and educational purposes only.

Not Financial Advice

IMPORTANT: The content provided by Soulution Finance, including all videos, articles, social media posts, and educational materials:

✖️ IS NOT personal financial advice
✖️ IS NOT a recommendation to buy, sell, or invest in any specific property or financial product
✖️ DOES NOT consider your personal financial situation, needs, or objectives
✖️ SHOULD NOT be relied upon as a substitute for professional financial advice

I am a mortgage broker, NOT a financial advisor. I am not licensed to provide comprehensive financial advice, tax advice, legal advice, or investment advice beyond the scope of credit assistance.

Seek Professional Advice

Before making any financial decisions, you should:

Consult with a licensed financial advisor who can assess your personal circumstances
Seek tax advice from a qualified accountant or tax professional
Obtain legal advice from a solicitor for property and contract matters
Conduct your own research and due diligence
Consider your own financial situation, goals, and risk tolerance

Video and Social Media Content

All videos, reels, TikToks, Instagram posts, YouTube content, and social media materials are:

General commentary and education only
Based on publicly available information and general market trends
Not tailored to any individual's circumstances
Potentially outdated as market conditions change
Subject to interpretation and should not be taken as definitive advice

Responses to comments and questions on social media are also general in nature and do not constitute personal advice.

Mortgage Broking Services

When providing mortgage broking services:

I can give credit assistance within my scope as a licensed credit representative
I can assess loan suitability based on your stated requirements
I can recommend loan products from my lender panel
I cannot provide comprehensive financial planning advice
I cannot offer tax structuring advice (seek an accountant)
I cannot provide legal advice (seek a solicitor)
I cannot provide investment advice beyond property lending

Economic and Market Information

Information about economics, property markets, interest rates, and investment strategies:

It is based on publicly available information and analysis
Represents general trends and historical data
May become outdated or inaccurate
Should not be relied upon for investment decisions
Is subject to change without notice
Does not predict future outcomes

Past performance is not indicative of future results.

Property Investment Information

Information about property investment, including:

Tax benefits (negative gearing, depreciation, CGT)
Investment strategies
Suburb analysis and property selection
Rental yields and capital growth

Is general education only. Property investment involves significant financial risk, and you should:

Conduct thorough due diligence
Engage qualified professionals (accountants, financial advisors, property experts)
Consider your personal risk tolerance and financial capacity
Understand that property values can fall as well as rise
Be aware of all costs, including stamp duty, ongoing expenses, and potential vacancies

Government Schemes and Grants

Information about government schemes (FHOG, stamp duty concessions, Home Guarantee Scheme) is:

Current as of the date published
Subject to change by the government without notice
General guidance only
May have specific eligibility criteria and conditions
Should be verified with official government sources

Always verify eligibility and details with Revenue NSW, Services Australia, or the relevant government body.

No Guarantee of Outcomes

We do not guarantee:

Loan approval or specific loan terms
Property values or investment returns
Interest rate movements or market conditions
Accuracy of third-party information
Specific financial outcomes from following general advice

Third-Party Information

We may reference or link to third-party sources, including:

Economic data and statistics
Property market reports
Government websites
Lender information

We do not:

Endorse third-party content or services
Guarantee accuracy of third-party information
Control or verify third-party websites
Accept responsibility for third-party actions or advice

Information Currency

Information provided may become outdated due to:

Changes in interest rates or lending criteria
Legislative or regulatory changes
Market condition fluctuations
Economic developments
Government policy updates

We do not commit to updating all past content. Always verify current information before making decisions.

Limitation of Liability

To the fullest extent permitted by law, Soulution Finance and its representatives are not liable for:

Losses arising from reliance on general information
Investment decisions are made based on educational content
Market movements or economic changes
Actions taken based on video or social media content
Inaccuracies or omissions in general information
Third-party advice or actions

Your Responsibility

You are responsible for:

Conducting your own research and due diligence
Seeking appropriate professional advice for your circumstances
Verifying information before making decisions
Understanding the risks associated with property and borrowing
Reading all loan documents and terms before signing
Meeting your financial obligations

Regulatory Compliance

Soulution Finance operates under:

ASIC Credit Representative Authorisation: 574523
Australian Credit License (via aggregator): 389 328 (Connective Credit Services Pty Ltd)
National Consumer Credit Protection Act 2009
Australian Privacy Principles
Professional standards and codes of conduct

Regional Disclaimer

Information provided is primarily relevant to:

Australia - particularly New South Wales and Sydney
Australian lending and property markets
Australian tax and regulatory environment

Information may not be applicable or accurate for other jurisdictions.

Professional Consultation Disclaimer

When you engage us for personal credit assistance services:

We will provide a Credit Guide outlining our services and obligations
We will assess your personal requirements and recommend suitable products
We will disclose all fees, commissions, and potential conflicts
This constitutes credit assistance within our licensed scope

Until you formally engage us for personal services, all interactions are general in nature only.

Interpretation

In case of any conflict or inconsistency:

Personal service agreements take precedence for engaged clients
Credit Guide takes precedence for credit assistance services
These disclaimers apply to all general information and content
Privacy Policy governs data handling
Terms and Conditions govern service relationships

Changes to Disclaimer

This disclaimer may be updated periodically. Continued use of our content and services indicates acceptance of any changes. The "Last Updated" date at the top indicates the most recent revision.

If you have questions about this disclaimer or need clarification:

Contact Soulution Finance:
Email: soulutionfinance@gmail.com
Phone: 0451 008 228
Address: Sydney, NSW, Australia