Privacy Policy

Last updated: October 2025

Mortgage Muster Pty Ltd (“we”, “our”, “us”) respects your privacy and is committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This website has been developed by ratesonline.com.au Pty Ltd T/As Freedom Aggregation (Australian Credit Licence 384404) (“Freedom Aggregation”), who also acts as our aggregator.

Freedom Aggregation may have access to some client information as part of its role in managing broker systems and compliance oversight.

1. What personal information we collect

We may collect personal information that you provide directly to us, including through our contact form, fact find, or other digital tools. This can include:

  • Your name, contact details, and address

  • Employment and income details

  • Identification information (e.g. driver’s licence, passport)

  • Financial details such as assets, liabilities, and living expenses

  • Information about your loan requirements and objectives

If you send us an enquiry through our website, the information you enter is sent directly to us via email, uploaded into our secure CRM, and deleted from email once stored.

2. How we use and disclose your information

We collect and use your information to:

  • Respond to your enquiries and provide credit assistance

  • Assess loan suitability and prepare applications on your behalf

  • Communicate with you and keep you informed of your application status

  • Comply with our legal and regulatory obligations

We may share your information—only after you have provided written privacy consent—with:

  • Our aggregator, Freedom Aggregation, for compliance and system management

  • Lenders, to assess and process your application

  • Supporting service providers such as MyCRM, ApplyOnline, and FileInvite

  • Other third parties where required or authorised by law

We do not sell or rent your personal information.

3. Accessing and correcting your information

You have the right to request access to the personal information we hold about you and to ask for corrections if it is inaccurate, incomplete, or outdated.

To do so, please contact us using the details below, and we will respond within a reasonable timeframe.

4. Privacy complaints and escalation

If you have a concern about how we have handled your personal information, please contact us first so we can investigate and resolve the issue.

If you are not satisfied with our response, you may refer the matter to our aggregator, Freedom Aggregation, for further review:

  • Freedom Aggregation – Privacy & Complaints Contact

    ◦    Phone: 1800 282 652

    ◦    Email: compliance@freedomaggregation.com.au

    ◦    Mail: PO Box 263, Flinders Lane, VIC 8009

    ◦    Website: www.freedomaggregation.com.au

If after that you remain dissatisfied, you may escalate your complaint to one of the following external bodies:

  • Office of the Australian Information Commissioner (OAIC) – for privacy-related matters under the Privacy Act

    ◦    Website: www.oaic.gov.au

    ◦    Phone: 1300 363 992

  • Australian Financial Complaints Authority (AFCA) – for financial or credit-related complaints

    ◦    Website: www.afca.org.au

    ◦    Phone: 1800 931 678

5. Updates to this policy

We may update this Privacy Policy from time to time to reflect changes in legal or operational requirements. The latest version will always be available on our website.

6. Website disclaimer

Freedom Aggregation, as the manager of this website, does not accept responsibility for the accuracy, availability, or appropriateness of information on this site.

Links to external websites are provided for convenience only and do not constitute endorsement.

No warranty is given that this website is free from computer viruses or interruptions.

Freedom Aggregation, its agents, subsidiaries, employees and brokers do not accept liability, however arising (including negligence), for any loss resulting from the use of or reliance upon information provided here.

© 2016–2025 ratesonline.com.au Pty Ltd T/As Freedom Aggregation (Australian Credit Licence 384404)

The information on this website (including taxation) is general in nature and does not consider your individual circumstances.

Contact us

Mortgage Muster Pty Ltd

Email: gday@mortgagemuster.com.au

Phone: 0492 990 723

Website: www.mortgagemuster.com.au