Privacy Statement & Credit Guide

We’re committed to protecting your personal information and providing clear and transparent information about how we handle your data.

This guide outlines our policies regarding the collection, use, and disclosure of your personal and credit information, as well as your rights as a valued client.

Broker Details

Robert Lockett 

Credit Representative 563122 of Australian Associated Advisers Pty Ltd Trading as Keylend.

Australian Credit License Number 392169 
ACN 084 974 694

Collection of Personal and Credit Information

We collect personal information about you that is necessary for us to assist in arranging your finance, including sensitive information when required. This may include but is not limited to, your name, contact details, financial information, and any other details relevant to your application for finance.

The information you provide will be held securely, and we will only disclose it to trusted third parties such as:

  • Credit reporting bodies, financiers, or aggregators to obtain and assess your creditworthiness.

  • Third-party service providers, including IT services, legal or financial advisers, or other professionals as needed to complete your finance application.

  • Any other entity to whom you have given express consent or as required by law.


Disclosure of Information Overseas

Sometimes, we may disclose personal information to overseas recipients, such as data storage in the cloud, which may be hosted in an overseas country. While we take all reasonable steps to ensure your data is handled according to Australian standards, it may not be protected by the Australian Privacy Principles in certain jurisdictions.

By providing your details to us, you consent to your personal information being disclosed in this manner if required.


Consent to Electronic Communication

With your consent, we may communicate with you electronically, providing important documents and notices via email or our secure website. This includes all relevant loan documentation, notices, and any updates related to your application.

  • You will receive notifications when new documents are available for retrieval.

  • We will not send paper copies unless explicitly requested.

  • You can withdraw consent to electronic communication anytime by contacting us.


Responsible Lending Obligations

As a licensed credit provider, Lockett Mortgage Broking must ensure that any loan or lease product we recommend suits your financial situation and objectives. We are obliged to inquire about your financial position and verify the information you provide before offering any credit assistance.

We will assess the loan's suitability based on your ability to meet repayments without undue financial hardship. Should we deem the loan unsuitable, we will not recommend it.


Fees and Commissions

We do not charge you for our services directly. Instead, we receive commissions from the lenders or lessors for arranging your finances. 

If you would like further details on the commissions and fees associated with your loan, please feel free to ask us.


Your Rights and Access to Information

You have the right to access the personal information we hold about you. If you wish to access or correct your information, or if you have any concerns regarding how your data is managed, please contact us via our contact form.

If you are unsatisfied with the outcome of any complaint, you may also escalate your concerns to an external dispute resolution service or regulatory body.


Acting in Your Best Interests

Under the Best Interests Duty, we must act in your best interests when providing credit assistance. We will assess your circumstances carefully and recommend products that meet your needs. Any potential conflicts of interest will be disclosed upfront, ensuring transparency in all dealings.