Who are we?

In this policy, ‘we’, ‘us’ and ‘our’ refers to Ark Promotions Pty Ltd trading as Kelly Home Loans (ACN: 003 876 542 | ABN: 26 003 876 542 | Credit Licence Number: 402627).

 

This privacy policy relates to our management of personal information about borrowers and consumers, including your personal information collected in connection with a credit application, or a credit facility.

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Our commitment to protect your privacy

We understand how important it is to protect your personal information. This document sets out our policy on how we collect and manage personal information we hold about you and what we do with that information.

 

Our commitment in respect of personal information is to abide by the Australian Privacy Principles (as set out in the Privacy Act 1988 (Cth)), and any other applicable law.

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What is personal information?

When used in this privacy policy, the term "personal information" has the meaning given to it in the Privacy Act. In general terms, it is any information that can be used to personally identify you. If the information we collect personally identifies you, or you are reasonably identifiable from it, the information will be considered personal information.

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What personal information do we collect and hold?

We will only collect personal information that is reasonably necessary to provide you with the credit assistance and related services you have requested. We may collect the following types of personal information:

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• Your name, date of birth, residential address, contact details, qualifications, and identification information;

• Your credit information and financial information including details of existing loans, liabilities, repayment history, employment details, income, assets, expenses, and other financial circumstances relevant to a credit application;

• Credit eligibility information, credit reports from credit reporting bodies, repayment history, defaults, court judgments, and insolvency information;

• Sensitive information (such as health information or criminal records) where reasonably necessary for providing credit assistance or where required by a lender, but only with your consent or where otherwise permitted by law.

 

How do we collect your personal information?

If you deal with us directly, we generally collect personal information directly from you in person, by telephone, email, online forms, or through other digital channels (including our website and social media).

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We may also collect your personal information from other sources, including:

• Joint applicants, co-applicants, guarantors, or proposed guarantors;

• Your employer, real estate agent, or other referees;

• Representatives such as solicitors, conveyancers, accountants, and builders; and

• Third parties such as lenders, credit reporting bodies, identity verification service providers, marketing websites, and government entities.

 

Business without identifying you

In most circumstances it will be necessary for us to identify you in order to successfully do business with you. However, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us anonymously or using a pseudonym, such as when making general enquiries about promotional offers or interest rates. If you choose not to provide certain personal information, we may be unable to provide credit assistance or process your finance application.

 

For what purpose do we collect your personal information

We collect, hold, use, and disclose your personal information for several purposes, including:

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• Assessing your eligibility for credit products and providing credit assistance to you;

• Verifying your identity and assisting you to prepare a loan application;

• Communicating with lenders, mortgage insurers, and other service providers involved in your application;

• Managing our relationship with you and giving you information about loan products or related services; and

• Managing our risks (such as fraud investigation and prevention) and meeting our legal and regulatory obligations.

 

Automated Decision Making

We may use computer systems to support us in providing our services to you, based on personal information we collected from you or obtained from other sources on your behalf. These computer systems use your personal information to evaluate your personal circumstances, filter options, and better identify products which may be suitable or available to you based on your needs and lender eligibility criteria. We, and not the system, will make the final decision regarding which products are recommended to you.

 

To whom do we disclose your personal information?

We will not disclose your personal information to third parties unless you have consented, it is required to provide our services, or it is authorised by law. We may disclose your personal information to:

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• The aggregator through whom we submit applications and the Australian Credit Licence holder that authorises us to engage in credit activities;

• Prospective or actual lenders, lessors, mortgage insurers, and credit reporting bodies;

• Industry bodies, valuers, settlement agents, solicitors, accountants, and debt collection agencies;

• Service providers, IT infrastructure hosts, and cloud storage providers;

• Guarantors, your employers, referees, and identity verification services; and

• Law enforcement agencies and regulators where required by law.

 

Do we disclose your personal information to anyone outside Australia?

Some of our third-party suppliers, service providers, or cloud servers may be located overseas. Countries in which your personal information may be accessed or processed include New Zealand, the Philippines, the United States of America, and India. We take reasonable steps to ensure that overseas recipients handle your personal information in a manner consistent with Australian privacy requirements.

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Using government identifiers

If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than as required by law. We do not adopt any government identifier as our identifier for you.

 

How safe and secure is your personal information that we hold?

We store your personal information in paper and electronic form and take reasonable steps to protect it from misuse, interference, loss, unauthorised access, modification, or disclosure.

We retain personal information only for as long as reasonably necessary to provide our services, comply with legal obligations, and maintain business records. When no longer required, we take reasonable steps to destroy or permanently de-identify the information.

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We maintain procedures for identifying, investigating, and responding to suspected data breaches. If we suspect a data breach that may cause serious harm, we will assess the incident as quickly as possible and within 30 days. If an eligible data breach has occurred, we will notify the Office of the Australian Information Commissioner (OAIC) and affected individuals as soon as practicable.

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Direct marketing

From time to time, we may use your personal information to provide you with current information about finance, special offers, changes to our organisation, or new products or services. You may opt out of receiving marketing communications at any time by contacting us or by using the unsubscribe facility included in electronic messages. We will not charge you for processing this request.

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Updating, accessing and correcting your personal information

You have the right to request access to the personal information we hold about you. We will not charge you for simply making a request or for correcting your information. Information that is readily accessible will generally be provided free of charge, though a reasonable fee may apply if substantial retrieval effort is required.

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If you believe any personal information we hold is inaccurate, incomplete, out of date, irrelevant, or misleading, you may request a correction. We will aim to respond to access or correction requests within 30 days. If we refuse your request, we will provide you with written reasons and outline the mechanisms available to make a complaint.

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Complaints

If you are dissatisfied with how we have handled your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact our Privacy Officer (or Complaints Handling Officer) in writing as set out below. We will typically acknowledge your complaint within seven days and provide a decision within 30 days.

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If you are not satisfied with our response, you may make a complaint to the Office of the Australian Information Commissioner (OAIC):

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• Phone: 1300 363 992

• Email: enquiries@oaic.gov.au

• Mail: GPO Box 5218, Sydney NSW 2001

• Website: www.oaic.gov.au

 

Contacting us

If you have any questions about this privacy policy, any concerns or a complaint regarding the treatment of your privacy, or wish to request access or correction of your personal information, you may contact us as follows:

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Ark Promotions Pty Ltd T/As Kelly Home Loans
Complaints Handling Officer
9A Bonnie Doon Place
BURRANEER NSW 2230

Email: arkpromotions@optusnet.com.au

Phone: 0419 601 873

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Changes to our privacy policy

We may revise this privacy policy from time to time to reflect changes to the law or market practice. When we make changes to our privacy policy, they are reflected on this page. We encourage you to periodically re-read this privacy policy to see if there have been any changes.

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Last Updated: September 2026