Privacy Policy

This policy describes how Eternity Group Accountants (ABN 32 447 507 241) and Eternity Mortgage Solutions (ABN 93 534 988 670) (together, “Eternity Group”, “we”, “us”) collect, hold, use, and disclose personal information.

We are bound by the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) and, where applicable, the Privacy (Credit Reporting) Code 2014 (CR Code).

We collect personal information that is reasonably necessary for our functions and activities, including:

• Identity details: name, date of birth, address, contact details (email, phone), copies of identification documents (driver’s licence, passport, Medicare card).
• Financial information: income, assets, liabilities, expenses, tax file number, bank statements, payslips, contracts of sale, business financial statements.
• Sensitive information (where directly relevant): family situation, health information for income protection or insurance applications.
• Credit information: credit history, credit eligibility information, repayment history, default information, and information from credit reporting bodies.
• Website analytics: IP address, device and browser type, pages visited, referral source — collected via Google Analytics 4.
• Website enquiry details: when you send us an enquiry through our contact form we also record the source IP address the enquiry came from, the date and time it was submitted and, if you arrived from an advertisement or campaign link, the advertising click and campaign identifiers, the page you landed on and the website that referred you. We use this to protect the form from spam and abuse and to understand which enquiries came from advertising or website activity — never to make tax, accounting, credit or lending decisions about you.

We collect personal information directly from you in most cases — via forms, telephone, email, in-person meetings, and our website contact form — and from third parties with your consent, such as:

• The Australian Taxation Office (with appropriate authorisation).
• Credit reporting bodies (Equifax, illion, Experian) where you have applied for credit.
• Lenders and the aggregator (Loans Only Pty Ltd, ACL 561324).
• Your employer, accountant or solicitor where you have authorised contact.

We use your personal information to:

• Provide accounting, tax, BAS, SMSF compliance, and bookkeeping services.
• Provide mortgage broking services including loan recommendation, application, and ongoing review.
• Comply with our legal obligations under the Tax Agent Services Act 2009, National Consumer Credit Protection Act 2009, Anti-Money Laundering and Counter-Terrorism Financing Act 2006, and the Corporations Act.
• Respond to your enquiries and provide ongoing support.
• Verify your identity in accordance with Australian Government AML/CTF requirements.

We may disclose your personal information to:

• The Australian Taxation Office, Tax Practitioners Board, Australian Securities and Investments Commission, and other regulators.
• Lenders and lender mortgage insurers as part of any credit application you authorise.
• Our aggregator Loans Only Pty Ltd (ACL 561324).
• Our independent SMSF auditor where you are an SMSF client.
• Professional advisers (solicitors, valuers, conveyancers) you authorise us to engage on your behalf.
• Cloud-based service providers including Xero, Microsoft 365 and Google Workspace. Some of the providers we rely on operate overseas — see section 9.

We do not sell or rent personal information.

If you apply for credit through Eternity Mortgage Solutions, we may collect, hold, use and disclose credit information and credit eligibility information in accordance with the Privacy (Credit Reporting) Code 2014. This includes credit reports from credit reporting bodies and information about your repayment history. Detailed credit reporting information is set out in our Credit Guide.

We collect tax file numbers (TFNs) only where lawfully authorised under the Tax Administration Act 1953. TFNs are stored encrypted, used only for taxation purposes, and never disclosed except to the ATO or with your express authorisation.

Our website uses Google Analytics 4 (measurement ID G-B6GYXG8F1P) to understand how visitors find and use the site. We may also use Google Ads conversion measurement to understand whether an enquiry is submitted after someone clicks one of our advertisements. These tools may use cookies or similar identifiers.

We use this information only to measure website and advertising performance — not to make tax, accounting, credit or lending decisions about you. Google may process this usage data as a service provider. We do not sell personal information. You can manage Google advertising preferences through Google’s ad settings (adssettings.google.com) and control or clear cookies through your browser settings at any time. Google Signals is not enabled on our analytics property. We are not presently running any remarketing campaign, but the analytics and advertising measurement tags on this site do collect usage data that Google is capable of using for conversion measurement and audience features. If we begin running remarketing campaigns, this policy will be updated.

When you reach the website from an advertisement or campaign link, we may retain limited click and campaign identifiers — Google advertising click identifiers, Microsoft advertising click identifiers and other supported advertising click identifiers, UTM campaign parameters, the page you landed on and the website that referred you — and we record when a visitor selects a phone-call link, where you go on to submit an enquiry. We use this only to understand which enquiries came from advertising or website activity — not to make tax, accounting, credit or lending decisions about you.

Personal information is stored on cloud infrastructure with encryption in transit and at rest. Access is restricted to authorised personnel. Physical documents are stored at our registered office and destroyed securely when no longer required by law.

Some of the services we use to run this website operate outside Australia. Our website hosting, the email service that delivers your website enquiry to us, and our website analytics are provided by service providers based in the United States. This means that when you browse this website or send us an enquiry through it, some of your personal information is disclosed to overseas recipients in the United States. We take reasonable steps to ensure these providers handle your personal information in a way consistent with the Australian Privacy Principles, but they also operate under the laws of the countries in which they are based. If you would like to know which country a particular service operates from, please ask us.

You have the right to request access to the personal information we hold about you, and to request correction of inaccurate information. Email rohan@egaamb.com.au with your request. We respond within 30 days.

If you believe we have breached the Australian Privacy Principles, please contact us first at rohan@egaamb.com.au so we can investigate. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner at www.oaic.gov.au. For credit-related complaints, the Australian Financial Complaints Authority (AFCA) is our external dispute resolution scheme — phone 1800 931 678, website www.afca.org.au, member numbers 111743 and 111742.

Privacy Officer
Rohan Manokaran
15 Forest Close, Cherrybrook NSW 2126
Email: rohan@egaamb.com.au
Phone: 0414 825 388