Privacy Policy
The Unique Real Estate & Mortgage Company Pty Ltd
Trading as Lime Money
Australian Credit Licence Number: 430019
Introduction
The Unique Real Estate & Mortgage Company Pty Ltd (trading as Lime Money) is committed to complying with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) when handling your personal and credit information.
This Privacy Policy explains how we collect, use, disclose, and protect your personal and credit information, as well as your rights in relation to that information.
By engaging with Lime Money, you consent to the collection and use of your information in accordance with this policy.
Key Definitions
- APPs – the Australian Privacy Principles set out in the Privacy Act.
- Credit information – personal information relating to your credit history, credit applications, repayment history, defaults, or other financial information as defined in the Privacy Act.
- Personal information – information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether true or not.
- Sensitive information – specific personal information such as health details, religious beliefs, ethnic origin, or criminal record.
What Personal Information Do We Collect?
The types of personal information we may collect and hold about you include:
- Identification details (name, date of birth, contact details, email address, phone number).
- Residential and financial details (employment, income, assets, liabilities).
- Loan account details (account numbers, balances, repayment history).
- Any other information necessary to provide our mortgage and finance services.
During our relationship with you, we may also collect:
- Information about your transactions with us.
- Enquiries, feedback, or complaints relating to our services.
Why Do We Collect Your Information?
We collect your personal and credit information to:
- Provide mortgage and finance services.
- Give you credit assistance.
- Assess and process loan and lease applications.
- Verify your identity under Australian law (e.g., Anti-Money Laundering legislation).
- Manage our business operations, including responding to enquiries and complaints.
- Prevent fraud, crime, or misconduct.
- Meet legal and regulatory obligations.
Website and Online Interactions
When you visit our website, we may collect:
- De-identified statistical data, such as IP addresses or browser information.
- Information through cookies to improve your user experience.
- Information you provide in online applications or calculators.
If you begin but do not complete an online application, we may use your contact details to follow up and offer assistance.
How We Collect Your Information
We usually collect information directly from you through:
- Loan and finance application forms.
- Phone, email, SMS, and in-person communications.
- Our website and online tools.
We may also collect information from third parties, including:
- Employers, accountants, or referees.
- Solicitors, conveyancers, or settlement agents.
- Valuers and identity verification services.
- Service providers assisting with loan processing.
What If You Don’t Provide Your Information?
If you choose not to provide your personal information, we may be unable to:
- Offer you mortgage or finance services.
- Verify your identity.
- Assist in finding suitable loan products.
- Keep you informed of services relevant to your financial needs.
How We Hold and Protect Your Information
We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure.
Information is stored in both electronic and paper formats. Protection measures include:
- Secure document storage.
- Password-protected electronic systems.
- Access controls for authorised staff only.
When we no longer require your information, we will securely destroy or de-identify it, unless we are legally required to retain it.
Sensitive Information
We do not generally request sensitive information. If you choose to provide it, it will be stored and handled securely in accordance with this policy.
Use of Personal Information for Marketing
We may use your personal information to:
- Tell you about products and services that may be relevant to you.
- Provide updates or information about mortgage and finance options.
You can opt-out of receiving marketing material at any time by contacting us at apply@limemoney.com.au.
Who We Share Your Information With
We may share your personal information with:
- Lenders, lessors, and mortgage insurers.
- Your representatives, such as lawyers, accountants, or real estate agents.
- Valuers and organisations verifying security or identity.
- Service providers assisting with loan applications or business operations.
- Government or regulatory bodies where required by law (e.g., ASIC, ATO).
- Any third party to which you have consented.
- Finsure (our aggregator) who facilitates access to software (such as Infynity) and lender products and maintains client data.
We will not sell your information to any organisation.
Accessing and Correcting Your Information
You may request access to or correction of the personal information we hold about you by contacting us.
If we refuse access or correction, we will provide written reasons and information about how you may complain.
We aim to respond to all requests within a reasonable time.
Data Breaches
If a data breach occurs that is likely to cause you serious harm, we will:
- Assess the breach within 30 days.
- Notify you as soon as practicable.
- Report the breach to the Office of the Australian Information Commissioner (OAIC).
Complaints and Concerns
If you have concerns about how we manage your personal information, please contact our Privacy Officer:
We take complaints seriously and will respond within a reasonable period.
If you are not satisfied, you can contact:
Office of the Australian Information Commissioner (OAIC)
Anonymity and Pseudonyms
You may interact with us anonymously or using a pseudonym for general enquiries.
However, in most cases we must identify you to comply with legal obligations.
However, in most cases we must identify you to comply with legal obligations.
Government Identifiers
We may be required to collect government identifiers (e.g., tax file number). We will not use or disclose this information unless authorised by law.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The latest version will always be available on our website or by request.
Updated: August 2025
