This Privacy Policy explains how JEK Mortgage Solutions (referred to as “we”, “us”, or “our”) collects, uses, stores, and discloses personal information through jekms.com.au (the “Website”) and in connection with our mortgage business.

1. Who we are – Business name: JEK Mortgage Solutions | ABN: 20 692 932 219 | Business address: Knoxfield, VIC 3180| Email: karsh@jekms.com.au| Phone: 0406 365 389

We operate in Australia and handle personal information in accordance with applicable Australian privacy laws, including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs), where they apply to us.

2. Information to collect

We currently collect the following personal information: Names, Contact details, such as email addresses, phone numbers, and other contact information you choose to provide, Any message or enquiry information you voluntarily submit through the Website

Please do not provide sensitive personal information through a general enquiry form unless we specifically request it through an appropriate secure process. Information we may collect if you apply for mortgage assistance. If you ask us to assess or arrange mortgage or finance options, we may need to collect additional information relevant to that service, such as identification details, employment information, income, expenses, assets, liabilities, loan details, and other financial information. We will explain what is required and why it is needed at the time of collection. If we collect or handle additional information, this Privacy Policy will apply to that information as well, subject to any more specific notice we provide.

3. How we collect information

We may collect personal information when you: Contact us by email, phone, or an online form, Request information about our mortgage services, Ask us to contact you, Communicate with us during the provision of our services, Browse or use the Website, where technical information is collected through cookies or similar technologies as described below

Where reasonable and practicable, we collect personal information directly from you. In some circumstances, we may collect information from third parties, such as lenders, aggregators, professional advisers, identity-verification providers, or other service providers involved in assisting with your enquiry or application. We will do this only as permitted by law or with your consent where required.

4. How we use personal information

We may use personal information to: Respond to your enquiries and requests, Contact you about mortgage or finance-related services you have asked about, Assess your needs and provide information relevant to your enquiry, Arrange, support, and manage mortgage or finance services you request, Communicate with lenders, aggregators, and service providers where necessary to provide requested services, Maintain business records and manage our relationship with you, Improve the Website, services, and customer experience, Protect the security of our systems and prevent fraud, misuse, or unlawful activity, Meet legal, regulatory, accounting, and professional obligations, Send marketing communications where permitted by law and in accordance with your preferences

We will not use your personal information for an unrelated purpose unless permitted or required by law, or with your consent where consent is required.

5. Disclosure of personal information

We may disclose personal information to: Lenders, banks, mortgage managers, aggregators, and other finance providers where needed to respond to your request or provide mortgage services, Contractors and service providers that help us operate our business, Website, communications, information technology, storage, security, or customer management systems, Professional advisers, insurers, auditors, and legal advisers, Regulators, government bodies, courts, law enforcement, or other parties where required or authorised by law, Other parties with your consent or at your direction We do not sell personal, Overseas disclosure – Some service providers or recipients may be located outside Australia. Where required by Australian privacy law, we will take reasonable steps to ensure overseas recipients handle personal information appropriately.

6. Cookies are analytics

The Website may use cookies or similar technologies to keep the Website functioning, remember preferences, understand Website usage, and improve performance. You can usually control cookies through your browser settings. Disabling some cookies may affect Website functionality.

7. How we protect personal information

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. These steps may include access controls, secure systems, staff procedures, password protection, monitoring, and service-provider safeguards. No method of transmission or storage is completely secure. You should take care when sending information online and contact us promptly if you suspect unauthorised access or disclosure. For mortgage or finance applications, please use any secure upload or application method we provide rather than sending sensitive financial or identity documents through an unsecured channel.

8. How long we keep information

We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, to provide requested services, maintain accurate records, resolve disputes, and meet legal, regulatory, accounting, or professional obligations. When information is no longer required, we will take reasonable steps to securely destroy or de-identify it, unless we are required or permitted by law to retain it.

9. Accessing and correcting your information

You may request access to personal information we hold about you and ask us to correct information that is inaccurate, out of date, incomplete, irrelevant, or misleading, subject to applicable exceptions under law. To make a request, contact us using the details in this Privacy Policy. We may need to verify your identity before responding. We will generally respond within a reasonable period and explain any applicable refusal or limitation.

10. Privacy Complaints

If you believe we have mishandled your personal information, contact us using the details below and explain what happened. We will acknowledge and investigate your complaint and respond within a reasonable period. Privacy complaints contact: Karshini | Email: karsh@jekms.com.au |Phone: 0406 365 389. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) through its official website or contact channels. We encourage you to contact us first so we can try to resolve your concern.

11. Third Party Websites

The Website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of those third parties. You should review their privacy policies before providing personal information.

12. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our business, Website, services, technology, or legal obligations. The updated version will be published on this page with a revised effective date.