Privacy Policy

Last updated: 29 March 2026  ·  Effective date: 29 March 2026

1. About This Policy

This Privacy Policy applies to Mankin Finance Pty Ltd, operating as a credit representative (No. 102746) of Yellow Brick Road Finance Pty Ltd (ACL 390261), including our website at www.mankinfinance.com.au and all services we provide.

By using our website or engaging our services, you consent to the collection and handling of your personal information as described in this policy. If you do not agree, please do not provide us with your personal information or use our services.

We may update this policy from time to time. We encourage you to check back periodically. The current policy is always available on our website.

2. What Information We Collect

Depending on how you interact with us, we may collect the following types of personal information:

Identity & Contact Information

• Full name, date of birth, and gender
• Residential and postal address (current and previous)
• Phone number and email address
• Driver's licence, passport, or other identification documents

Financial Information

• Income, employment details, and employer information
• Assets (property, vehicles, savings, investments)
• Liabilities (existing debts, credit cards, personal loans)
• Bank account details and transaction history (when required)
• Tax file number (only when required by a lender)
• Credit history and credit score information

Property Information

• Property addresses and valuations
• Purchase contracts and settlement details
• Rental income and tenancy information

Website & Technical Information

• IP address and browser type
• Pages visited and time spent on our website
• Device information and operating system
• Referral source (how you found us)

3. How We Collect Information

We collect personal information in the following ways:

• Directly from you — through loan application forms, email, phone calls, meetings, and our website contact forms
• From our website — when you use our calculators, submit an enquiry form, sign up to our newsletter, or use the AI chatbot on our website
• From lenders and third parties — credit bureaus (such as Equifax or Illion), lenders reviewing your application, real estate agents, accountants, or financial advisers you have authorised
• Publicly available sources — property records, ASIC registers, or other publicly available information where relevant

4. How We Use Your Information

We use your personal information to:

Purpose	Description
Provide our services	Assess your borrowing needs, source appropriate loan products, prepare and submit loan applications on your behalf
Compliance	Meet our obligations under the National Consumer Credit Protection Act 2009, Anti-Money Laundering laws, and lender requirements
Communication	Respond to your enquiries, provide updates on your application, and send service-related notifications
Marketing	Send you relevant updates about rate changes, property market news, and our services (you can opt out at any time)
Improve our services	Analyse how our website and services are used to improve your experience
Legal obligations	Respond to legal requests, comply with court orders, or protect our legal rights

5. Who We Share It With

We may share your personal information with:

• Lenders and financial institutions — to submit and process your loan application
• Yellow Brick Road Finance Pty Ltd — our Australian Credit Licensee, as required for compliance and oversight
• Credit reporting bodies — such as Equifax or Illion, to obtain credit information when required
• Mortgage insurers — such as Helia or QBE, where lender's mortgage insurance is applicable
• Solicitors and conveyancers — as required to facilitate settlement
• Valuers — engaged by lenders to assess security properties
• Our technology service providers — including our CRM system (Notion), email service (Resend), website hosting (Netlify), and AI services (Anthropic), all of whom are bound by confidentiality obligations
• Regulatory bodies — ASIC, AFCA, or other government agencies when required by law

We do not sell your personal information to any third party for marketing purposes.

6. Overseas Disclosure

Some of our technology service providers may store or process data overseas, including in the United States. These providers include:

• Anthropic (AI chatbot service) — United States
• Netlify (website hosting) — United States
• Google (Workspace, Analytics) — United States

Where we disclose your information to overseas recipients, we take reasonable steps to ensure they handle your information in a manner consistent with the Australian Privacy Principles. By using our website and services, you consent to this disclosure.

7. How We Store & Protect It

We take the security of your personal information seriously. We implement a range of security measures including:

• Encrypted data storage and transmission (SSL/TLS)
• Password-protected systems with restricted staff access
• Secure document storage and destruction practices
• Regular review of our security practices

While we take all reasonable steps to protect your information, no data transmission over the internet or storage system is 100% secure. If you believe your information has been compromised, please contact us immediately.

8. How Long We Keep It

We retain your personal information for as long as necessary to provide our services and comply with legal obligations. Generally:

• Loan application records are retained for a minimum of 7 years as required by the National Consumer Credit Protection Act
• Anti-money laundering identification records are retained for a minimum of 7 years
• Website enquiry data is retained for up to 3 years
• Newsletter subscriber data is retained until you unsubscribe

When we no longer need your information, we will securely destroy or de-identify it.

9. Cookies & Website Analytics

Our website uses cookies and similar tracking technologies to improve your experience. Cookies are small text files stored on your device.

Types of Cookies We Use

• Essential cookies — required for the website to function (e.g., session management)
• Analytics cookies — to understand how visitors use our site (we may use Google Analytics)
• Preference cookies — to remember your preferences such as whether you've dismissed popups

You can control cookies through your browser settings. Disabling cookies may affect the functionality of our website. By using our website, you consent to our use of cookies as described above.

10. Marketing Communications

We may send you emails or SMS messages about rate changes, property market updates, and our services. We will only send you marketing communications if:

• You have provided us with your contact details and not opted out, or
• You have expressly subscribed to receive communications from us

You can unsubscribe at any time by clicking the "Unsubscribe" link in any email, replying "STOP" to any SMS, or by contacting us directly. We will process your unsubscribe request promptly.

11. Your Rights & Access

Under the Privacy Act 1988, you have the right to:

• Access — request a copy of the personal information we hold about you
• Correction — ask us to correct any personal information that is inaccurate, incomplete, or out of date
• Anonymity — where practicable, deal with us anonymously or under a pseudonym (though this may limit the services we can provide)
• Opt out of marketing — unsubscribe from marketing communications at any time

To make a request, please contact us using the details below. We will respond within 30 days. We may need to verify your identity before processing your request.

In some circumstances we may decline to provide access (for example, where it would impact the privacy of others or where we are legally required to retain the information). If we decline, we will tell you why.

12. Complaints

If you believe we have not handled your personal information in accordance with this policy or the Australian Privacy Principles, we encourage you to contact us first so we can try to resolve your concern.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• Post: GPO Box 5218, Sydney NSW 2001

For complaints relating to our credit activities, you may also contact the Australian Financial Complaints Authority (AFCA):

• Website: www.afca.org.au
• Phone: 1800 931 678 (free call)

13. Contact Us

For any privacy-related enquiries, requests, or complaints, please contact us:

• Privacy Officer: Michael Mankin
• Email: [email protected]
• Phone: +61 420 699 983
• Post: Suite 208, Oran Park Podium, 351 Oran Park Drive, Oran Park NSW 2570