Mortgager
A trading name of iAugur Pty Ltd
Website: www.mortgager.com.au
Postal Address: PO Box 1096, Craigieburn VIC 3064, Australia
Phone: 0452 388 786
Email: support@mortgager.com.au
Last Updated: July 2026
1. Introduction
At Mortgager (“we”, “our”, “us”), operated by iAugur Pty Ltd, we are committed to protecting your privacy and handling your personal information responsibly.
This Privacy Policy explains how we collect, use, store, disclose and protect your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
By accessing our website, submitting an enquiry, applying for finance, or using our services, you consent to the collection, use and disclosure of your personal information in accordance with this Privacy Policy.
2. What Personal Information We Collect
We may collect personal information that is reasonably necessary to provide mortgage broking and finance-related services.
The information we collect may include:
Personal Information
- Full name
- Date of birth
- Residential and postal address
- Email address
- Telephone number
- Occupation and employment details
- Marital and family information
- Identity verification information
Financial Information
- Income and expenses
- Assets and liabilities
- Bank account details
- Tax information
- Superannuation information
- Existing loan and credit facility details
Credit Information
- Credit reports
- Credit scores
- Credit history
- Repayment history information
- Information from credit reporting bodies
- Information provided by lenders and credit providers
Sensitive Information
In limited circumstances, we may collect sensitive information where it is reasonably necessary and permitted by law.
3. How We Collect Your Information
We may collect personal information directly from you through:
- Our website
- Online enquiry forms
- Loan applications
- Email communications
- Telephone conversations
- Face-to-face meetings
- Identity verification procedures
We may also collect information from third parties, including:
- Credit reporting bodies
- Banks and lenders
- Mortgage aggregators
- Mortgage insurers
- Valuers
- Solicitors and conveyancers
- Accountants and financial advisers (with your authority)
- Publicly available sources
4. Why We Collect and Use Your Information
We collect, hold and use your personal information to:
- Assess your finance requirements
- Arrange home loans and other finance products
- Verify your identity
- Process finance applications
- Communicate with lenders and financial institutions
- Provide mortgage broking services
- Respond to enquiries
- Improve our products and services
- Conduct internal administration
- Comply with legal and regulatory requirements
- Detect and prevent fraud
- Maintain appropriate business records
Without certain information, we may be unable to provide our services or arrange suitable finance solutions.
5. Mortgage Broking Services
As a mortgage and finance broker, Mortgager assists clients in obtaining finance products from banks, credit unions, non-bank lenders and other financial institutions.
To provide these services, we may disclose personal and credit information to:
- Banks and lenders
- Mortgage managers
- Mortgage aggregators
- Mortgage insurers
- Settlement agents
- Valuers
- Legal representatives
- Credit reporting bodies
Only information reasonably required to facilitate your finance application will be disclosed.
6. Credit Information
To assess your eligibility for finance products, we may collect and use credit-related information.
We may obtain credit information from:
- Credit reporting bodies
- Lenders
- Credit providers
- Mortgage insurers
We use this information to:
- Assess finance applications
- Verify financial information
- Meet regulatory obligations
- Assist lenders in evaluating applications
Credit information will only be used and disclosed for lawful purposes relating to finance and credit assessment.
7. Identity Verification
To comply with applicable Australian laws, including Anti-Money Laundering and Counter-Terrorism Financing obligations, we may collect and verify identity information.
This may include:
- Driver licences
- Passports
- Medicare cards
- Utility bills
- Other identification documents
We may use electronic verification systems and third-party verification providers to confirm your identity.
8. Artificial Intelligence and Automated Technologies
We may use artificial intelligence (AI), machine learning technologies and automated systems to assist in providing our services.
These technologies may be used for:
- Document processing
- Customer support
- Data analysis
- Service improvements
- Administrative functions
Your personal information may be processed using AI-powered systems operated by us or trusted third-party providers.
Where third-party AI or cloud-based services are used, we take reasonable steps to ensure your information is handled securely and in accordance with Australian privacy obligations.
9. Cookies and Tracking Technologies
Our website uses cookies and similar tracking technologies to improve website functionality, analyse website traffic, understand user behaviour and support marketing activities.
Cookies are small files stored on your device when you visit our website.
We may use:
Essential Cookies
Required for website functionality and security.
Performance and Analytics Cookies
Used to understand how visitors use our website and help us improve user experience.
Marketing Cookies
Used to deliver relevant advertising and measure the effectiveness of marketing campaigns.
Information collected through cookies may include:
- IP address
- Browser type
- Device information
- Website pages visited
- Time spent on pages
- Referral sources
- General location information
We may use third-party tools including:
- Google Analytics
- Google Ads
- Meta Pixel (Facebook)
- Microsoft Advertising
- Customer relationship management systems
- Other analytics and marketing platforms
You can control or disable cookies through your browser settings. However, disabling cookies may affect some website functionality.
10. Direct Marketing
We may occasionally send information regarding:
- Mortgage products
- Finance opportunities
- Property finance updates
- Company news
- Promotions and special offers
These communications may be sent by:
- SMS
- Telephone
- Other electronic means
You may opt out of marketing communications at any time using the unsubscribe facility or by contacting us directly.
11. Telephone Calls
We may monitor or record telephone conversations for:
- Training purposes
- Quality assurance
- Compliance requirements
- Record keeping
Where required by law, we will provide notification before recording telephone calls.
12. Disclosure of Personal Information
We may disclose personal information to:
- Banks and lenders
- Mortgage aggregators
- Mortgage insurers
- Credit reporting bodies
- Professional advisers
- Technology service providers
- Identity verification providers
- Government agencies
- Regulatory authorities
- Legal representatives
We do not sell, lease or rent your personal information to third parties.
13. Overseas Disclosure
Some of our technology providers, cloud hosting providers, customer relationship management systems, software providers and AI service providers may store or process information outside Australia.
Where overseas disclosure occurs, we take reasonable steps to ensure the recipient handles your information in a manner consistent with Australian privacy laws and the Australian Privacy Principles.
14. Data Security
We take reasonable steps to protect your personal information from:
- Unauthorised access
- Disclosure
- Misuse
- Interference
- Loss
- Modification
Security measures may include:
- Secure hosting environments
- Password protection
- Encryption technologies
- Access controls
- Staff confidentiality obligations
- Secure document management systems
Only authorised personnel have access to personal information where required to perform their duties.
15. Website Security
While we take reasonable precautions to protect personal information, no method of internet transmission or electronic storage is completely secure.
Accordingly, we cannot guarantee absolute security of information transmitted through the internet.
Any transmission of information to us is undertaken at your own risk.
16. Retention of Information
We retain personal information only for as long as necessary:
- To provide services
- To comply with legal obligations
- For regulatory requirements
- For dispute resolution purposes
- For legitimate business needs
When information is no longer required, we take reasonable steps to securely destroy or de-identify the information.
17. Access and Correction
You may request access to personal information we hold about you.
You may also request correction of information that you believe is:
- Inaccurate
- Incomplete
- Outdated
- Irrelevant
Requests should be made using the contact details below.
We may require proof of identity before providing access.
In limited circumstances permitted by law, access may be refused. If this occurs, we will explain the reasons for refusal.
18. Children’s Privacy
Our services are intended for adults seeking finance and mortgage-related services.
We do not knowingly collect personal information from children under 18 years of age.
If we become aware that information has been collected from a child without appropriate consent, we will take reasonable steps to delete that information.
19. Complaints
If you believe we have breached your privacy rights or have failed to comply with applicable privacy laws, you may contact us.
We will investigate your complaint and aim to respond within 30 days.
If you are not satisfied with our response, you may contact:
Office of the Australian Information Commissioner (OAIC)
Website: https://www.oaic.gov.au
Phone: 1300 363 992
20. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in legal requirements, technology, business operations or industry practices.
The most current version will always be available on our website.
21. Contact Us
Mortgager
Trading Name of iAugur Pty Ltd
Postal Address
PO Box 1096
Craigieburn VIC 3064
Australia
Phone: 0452 388 786
Email: support@mortgager.com.au
Website: https://www.mortgager.com.au