Privacy Policy

1. Introduction

2. What Personal Information We Collect

We may collect the following types of personal information:

• ·Identity information: Full name, date of birth (if required by a lender)
• ·Contact information: Email address, phone number, residential address
• ·Financial information: Estimated loan amount, procedure type, employment status, income details (only when shared voluntarily)
• ·Technical information: IP address, browser type, device information, pages visited, referring URLs
• ·Marketing information: UTM parameters, campaign source, ad click identifiers

We do not collect sensitive information such as your credit file, tax file number, or health records through our website. Any credit checks or detailed financial assessments are conducted by the licensed broker you are connected with, under their own privacy obligations.

3. How We Collect Personal Information

We collect personal information through:

• ·Online enquiry forms on our website (lead capture, contact, calculator email capture)
• ·Direct communication via email or phone
• ·Cookies and analytics tools that track website usage
• ·Third-party advertising platforms (Google Ads, Meta) that provide referral data

Where reasonable and practical, we collect personal information directly from you. We will not collect information by unlawful or unfair means.

4. How We Use Your Personal Information

• ·To connect you with a licensed finance broker who can assist with your medical financing enquiry
• ·To respond to your questions and communications
• ·To improve our website, services, and user experience
• ·To analyse website traffic and marketing campaign performance
• ·To comply with legal obligations
• ·To send you service-related communications (not marketing, unless you opt in)

We will not use your personal information for direct marketing purposes without your express consent. You may opt out of marketing communications at any time.

5. How We Share Your Personal Information

We may share your personal information with the following third parties, strictly for the purposes described above:

• ·Licensed finance brokers: Your enquiry details are shared with a licensed ACL holder or authorised credit representative to provide you with loan options
• ·Technology service providers: Hosting, CRM, email delivery, and analytics platforms that help us operate our website
• ·Advertising platforms: Aggregated, non-personally-identifiable conversion data for campaign optimisation
• ·Legal and regulatory bodies: Where required by law, court order, or government authority

We do not sell your personal information to third parties.

6. Data Storage and Security

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to:

• ·Remember your preferences and form entries
• ·Analyse website traffic and user behaviour (via Google Analytics or similar)
• ·Measure the effectiveness of advertising campaigns
• ·Provide a better user experience

You can control cookie settings through your browser preferences. Disabling cookies may affect the functionality of certain parts of our website.

8. Your Rights Under the Australian Privacy Principles

• ·Access: Request access to the personal information we hold about you
• ·Correction: Request correction of any inaccurate, incomplete, or out-of-date information
• ·Complaint: Lodge a complaint if you believe we have breached the APPs
• ·Anonymity: In some cases, interact with us anonymously, although this may limit our ability to assist you

To exercise any of these rights, contact us at cosmediloans@gmail.com. We will respond within 30 days.

9. Retention of Personal Information

We retain personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by law. Lead enquiry data is typically retained for 24 months from the date of submission, after which it is securely deleted or de-identified. You may request deletion of your information at any time by contacting us.

10. Third-Party Links

Our website may contain links to third-party websites (such as lender websites or external resources). We are not responsible for the privacy practices or content of those websites. We encourage you to read the privacy policy of any website you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. The updated policy will be posted on this page with a revised “Last updated” date. We encourage you to review this policy periodically.

12. Complaints

If you believe we have breached the Australian Privacy Principles, contact us at cosmediloans@gmail.com. We will investigate and respond within 30 days. If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

13. Contact Us