Your information.
Your choices. Your concerns.

Who this policy covers

In this policy, “Rate Challenge”, “we”, “us” and “our” refer to TASV PTY LTD acting as trustee for Warburton Family Trust and trading as Rate Challenge. This policy covers our website, calculators and research tools, enquiries, credit-assistance activities and related administration.

We handle personal information in accordance with the Privacy Act 1988 and Australian Privacy Principles where they apply, together with applicable credit, confidentiality and record-keeping obligations. This policy does not replace the separate privacy notices of a lender, credit licensee, credit-reporting body or other provider.

You can read our information and use public tools without submitting a contact enquiry. Website activity and scenario information may still be recorded as explained below. An initial enquiry does not itself lodge a loan application or authorise a credit check.

Information we may collect

The information needed depends on whether you are browsing, using a tool, making an enquiry or proceeding with credit assistance. It may include:

• Your name, contact details, address and identity-verification information.
• Employment, income, expenses, assets, liabilities, deposit or equity, financial goals and relevant supporting documents.
• Property, loan, lease, business, company, trust, guarantor and security information.
• Credit-related information provided or obtained with appropriate authority, including applications, liabilities, credit enquiries and repayment information.
• Enquiry details, communications, application records, consent preferences and complaint records.
• Website and calculator information, such as scenario inputs and results, session identifiers, pages visited, device/browser information, referral or campaign details, and security/error records.

Only provide information relevant to the service. Please do not enter passwords, internet-banking credentials, identity-document numbers, bank-account details or tax file numbers into public calculators or initial enquiry forms. We generally do not need your tax file number; redact it from documents unless there is a lawful, specifically explained reason to provide it.

Sensitive information, such as health information, may occasionally be relevant to an authorised service or complaint. We seek consent where required and limit collection to what is reasonably necessary or otherwise legally permitted.

How information is collected

We may collect information directly from you through our website, telephone, email, meetings, forms and documents. With appropriate authority, we may also collect relevant information from joint applicants, guarantors, professional advisers, employers, referrers, lenders, aggregators, mortgage insurers, valuers, identity-verification providers, credit-reporting bodies and lawful public sources.

When you give us information about someone else, make sure you have authority to do so and tell them how to access this policy. We may need to contact them separately or obtain their own authority before proceeding.

You may deal with us anonymously or use a pseudonym where lawful and practicable, for example for a general question. Identification and financial information will normally be necessary for personalised credit assistance. Without the necessary information we may be unable to assess a request, contact you, meet verification requirements or proceed with an application. We explain additional collection requirements when they arise.

How information is used and shared

We use relevant information to respond to enquiries, understand your objectives and circumstances, compare finance options, provide credit assistance, prepare and manage applications, communicate with you, review an existing loan, prevent fraud, administer the business and meet legal obligations.

Website records also help us operate and improve the tools, understand the scenarios people explore, measure advertising and enquiry outcomes, diagnose errors and protect the website. We may analyse aggregated or appropriately de-identified information for research and service improvement.

Where relevant and legally permitted, information may be shared with lenders, lessors, the credit licensee and aggregator, mortgage insurers, valuers, professional advisers, service providers, regulators, and people you authorise. Disclosures depend on the service requested. We do not sell your personal information.

Enquiry contact details and message content are handled through our enquiry-processing systems, separately from general website analytics. They may be stored in business communication or customer-management systems so we can respond and maintain the appropriate record.

Credit-related information

Credit assistance may involve information about credit applications, debts, repayment history, defaults, enquiries and creditworthiness. We only obtain or disclose credit reports where legally permitted and with the required authority. A lender or credit-reporting body has its own privacy and credit-reporting policy and may have separate access, correction and complaint processes.

Reading our website, using a calculator or sending an initial enquiry does not itself create a lender application or a credit enquiry. Before a later credit-report or application step, the relevant process and authority must be explained.

Calculator outputs, rate comparisons and indicative guidance are not loan approvals, lender eligibility decisions or personalised credit recommendations. Final lending decisions remain with the lender after its assessment.

Calculators and RC Analytics

Rate Challenge uses its own first-party analytics system, RC Analytics. Depending on the tool and your interaction, this can record selected or entered loan amounts, property prices or values, deposit and equity, interest rates, loan terms, repayments, offset balances, extra repayments, loan-to-value ratios, location selections and calculated results.

It can also record pages and tools used, calculation attempts and completions, rate-search filters, research/chart selections, downloads or copy actions, enquiry-offer display and dismissal, form milestones, submission outcomes, scrolling, engagement measures and technical errors. These records help us understand use, improve tools and identify problems.

Session and visitor identifiers and referral/campaign information can connect activity within a visit or across visits. Some activity may be associated with an enquiry or later outcome for attribution and service purposes. Records are not necessarily anonymous merely because they do not contain a name.

General analytics field collection is designed to exclude contact names, email addresses, phone numbers, passwords, identity documents and free-text messages. Contact information that you submit through an enquiry is nevertheless collected by the enquiry system. Do not put identifying details into calculator fields or URLs.

Cookies, browser storage and marketing

The website uses cookies and similar browser storage for functions such as session handling, preferences, security, attribution and analytics. Browser and security records may include IP addresses or derived identifiers, device and browser details, page addresses, referral sources and campaign or advertising-click parameters.

You can restrict cookies and local website storage through your browser and clear previously stored items. Those settings do not necessarily stop all server-side security logging or all analytics requests. Some functions and preferences may stop working. Contact us to discuss a privacy concern or the information associated with a visit.

Third-party advertising or measurement services may process technical identifiers where an integration is used. A privacy-policy link does not itself provide unrestricted consent to advertising or tracking. Our collection and use remain subject to applicable privacy and communications rules.

We may contact you to answer your enquiry or manage an agreed service. Promotional communication is separate and is only sent where permitted. To stop marketing, use the unsubscribe facility provided or email admin@ratechallenge.com.au. There is no charge to opt out. Necessary service, application, security or legal communications may continue.

Service providers and overseas processing

We use service providers for website hosting, security, backups, communication, enquiry routing, administration and document or customer-management functions. Relevant website services include our WordPress-based systems and Cloudflare Turnstile for form security. Enquiry-routing services may include Zapier where used in the delivery workflow.

Some service providers and their support or infrastructure providers operate internationally. Personal information may therefore be stored, accessed or processed outside Australia, including in the United States where a relevant provider processes information there. The location and handling of particular data depend on the service and account configuration; we do not represent that all information stays in Australia.

Provider information is available in Cloudflare’s privacy policy and Zapier’s privacy information. These explain those providers’ general practices, not a guarantee that every listed location is used for your enquiry.

We take reasonable steps required by applicable law in relation to overseas handling. Contact our privacy contact for information about providers and likely countries relevant to your service. Additional recipient and country information should be given in the collection or service documentation where applicable. This policy is not a request to waive protections for overseas disclosure.

AI-assisted administration and tools

We may use AI-assisted tools for research, drafting, website maintenance and analysis of website performance or issues. Where authorised administrative integrations are used, relevant site content and analytics records may be processed by an external provider. Read-only access does not mean that information is necessarily kept within WordPress.

Personal information used for these tasks should be limited to what is necessary and handled consistently with this policy and applicable provider arrangements. Public calculators and general guidance do not make automated credit approvals. An AI-generated output is not a substitute for a broker’s review or a lender’s decision.

A different use of personal information for automated decisions with significant effects would require a separate assessment and any additional transparency or other safeguards required by law. Contact us with questions about AI-assisted handling of your information.

Retention and deletion

Different records need different retention periods. We retain information for the purposes for which it is needed, including responding to an enquiry, providing credit assistance, maintaining consent and complaint records, meeting legal and licensee requirements, and establishing or defending legal claims.

Detailed website events, exact scenario values, security/error logs and enquiry or application files are not all subject to one retention period. We review what is needed and take reasonable steps to destroy or de-identify personal information that is no longer required, subject to applicable legal retention obligations and exceptions.

Backup copies can remain until the applicable backup cycle expires, and information may need to be preserved for a legal hold or unresolved complaint. Appropriately de-identified statistics and research may be retained for longer where individuals are no longer reasonably identifiable. Simply removing a name is not necessarily sufficient.

You may ask about the records held about you, their retention or deletion. There is not an unconditional right to erase every record; we will explain any relevant obligation that requires us to retain information.

Security and data breaches

We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, alteration or disclosure. Information may be held electronically or physically, including through contracted providers. Access should be restricted to people who need it for an authorised purpose.

No transmission or storage system is completely risk-free. Do not send passwords or internet-banking credentials. When identity or financial documents are required, use the secure method agreed with us rather than a public calculator or initial enquiry form.

We assess suspected breaches and take appropriate containment and remedial steps. Where the Notifiable Data Breaches scheme applies, we notify affected individuals and the Office of the Australian Information Commissioner when legally required.

Access and correction

You can request access to personal information we hold about you, or ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading. Contact us by email, phone or mail using the details below. You do not need to use a particular form.

We may take reasonable steps to verify your identity and understand the request. We aim to respond within 30 days, unless another applicable timeframe applies. Where access can lawfully be limited or refused, we will explain the reasons and available complaint process as required.

There is no charge for making an access request or for requesting or making a correction. Where a reasonable charge for providing access is legally permitted, we explain it before proceeding. If a correction is disputed, you may ask for a statement recording your position to be associated with the information where applicable.

Complaints and concerns

Our internal complaint process is free. Tell us when you are dissatisfied with our credit assistance, communication, information handling or another part of the service. A complaint can be made by phone, email or mail, and through an authorised representative. You do not have to use legal terms.

Give us enough information to understand the issue, relevant dates and the outcome you are seeking. Let us know about any communication, accessibility, interpreter or support needs so we can discuss appropriate assistance.

What happens next

We aim to acknowledge complaints within 24 hours or one business day, or as soon as practicable. We consider the information fairly, may ask for relevant supporting details and involve the responsible credit licensee or provider where necessary.

For standard credit-assistance complaints, an internal dispute-resolution response is generally due within 30 calendar days, subject to the applicable rules and exceptions. We do not restart the original receipt date simply by referring the complaint to the licensee. Different timeframes can apply to particular complaint categories.

If we cannot provide the response within the applicable period, we explain the delay, the reason and your external complaint options as required. The response should explain the outcome and reasons, and the available escalation path.

Australian Financial Complaints Authority

If you are dissatisfied with the response or the applicable response period has passed, you may be able to take an eligible financial-services complaint to the Australian Financial Complaints Authority (AFCA). AFCA is a free, independent external dispute-resolution service. Its jurisdiction, eligibility rules and time limits apply.

Make a complaint to AFCA · 1800 931 678. We can provide the relevant credit licensee and complaint contact details from our Credit Guide.

Privacy complaints

Contact our privacy contact first and tell us what happened and the outcome you seek. We investigate and aim to provide a response within 30 days, or advise you if more time is reasonably needed.

If you remain dissatisfied after giving us a reasonable opportunity to respond, you may complain to the Office of the Australian Information Commissioner (OAIC), subject to its requirements. OAIC generally asks that the organisation first be given 30 days to respond.

OAIC privacy complaints · 1300 363 992. Complaints to OAIC generally need to be made in writing. Financial-services complaints may also have an AFCA pathway where eligible.

Feedback and compliments

We welcome feedback about what worked well and what could be clearer. Contact us by phone or email. We will seek appropriate permission before publishing identifying feedback as a testimonial.

Policy updates and contact

We update this policy when our business, services, technology or legal obligations change. The current version remains at this address with its updated date. Material changes may also be communicated through a suitable additional notice.