Privacy Policy

Karemy Holdings Pty Ltd ABN 66 149 776 438 trading as Character Finance

Karemy Holdings Pty Ltd ABN 66 149 776 438 trading as Character Finance ("Character Finance", "we", "our" or "us") is committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

This Privacy Policy explains how we collect, use, store and disclose your personal information.

What information do we collect and how do we use it?

We collect personal information when we assist you with your finance, lending and advisory needs. The information we collect may include your name, contact details, date of birth, identification documents, employment information, income details, assets and liabilities, credit-related information, and other information relevant to the services we provide.

We may also collect information relating to consulting, advisory and strategic planning services, as well as information provided by third parties acting on your behalf, such as accountants, solicitors, real estate agents and other professional advisers.

We may collect personal information directly from you or from third parties acting on your behalf, including accountants, solicitors, real estate agents, lenders and other professional advisers.

We use the information you provide to assess your circumstances, provide finance and lending advice, assist with finance applications, develop strategic recommendations and manage our ongoing relationship with you.

We may also use your information to provide updates about our services, industry developments, opportunities or other information that may be relevant to you. If you do not wish to receive these communications, you may opt out at any time.

What if you don’t provide some information to us?

If you do not provide us with full information, we may not be able to properly advise or assist you with your finance, lending or advisory needs.

How do we hold and protect your information?

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification and disclosure.

Your information may be stored electronically using secure cloud-based systems, document management platforms and other technologies utilised in our business. Access to personal information is restricted to authorised persons and protected through appropriate security measures.

We retain personal information only for as long as reasonably necessary to provide our services and to comply with our legal and regulatory obligations.

Website Usage

When you visit our website, we may collect certain information automatically, including your IP address, browser type, device information and website usage data. This information helps us understand how visitors use our website and improve our services.

Our website may use cookies and similar technologies. You can modify your browser settings to refuse cookies, however some parts of the website may not function correctly as a result.

Will we disclose the information we collect to anyone?

We do not sell, trade or rent your personal information to others.

In providing our finance, lending and advisory services, we may disclose your personal information to lenders, financial institutions, mortgage insurers, valuers, solicitors, conveyancers, credit reporting bodies, our credit licensee, aggregator, compliance service providers, contractors, service providers and other professional advisers who assist us in providing services to you.

Some of our service providers may be located outside Australia. Where this occurs, we take reasonable steps to ensure that your personal information is handled in a manner consistent with Australian privacy laws.

Where we disclose your information to third parties, we take reasonable steps to ensure they protect your information appropriately and use it only for the purposes for which it was disclosed.

We may also disclose your information in connection with a corporate sale, merger, reorganisation, dissolution or similar business transaction.

The information we obtain from you is used, subject to compliance with Australia's privacy laws, only for the purposes described in this Privacy Policy and is not disclosed to any other person except with your consent or as permitted or required by law.

Direct Marketing

From time to time, we may use your contact details to send you information about our services, industry updates, opportunities or other information we believe may be relevant to you. We may do so by mail, telephone or electronically unless you tell us that you do not wish to receive these communications.

You may unsubscribe or opt out at any time by contacting us and we will no longer send marketing communications to you.

Access to your personal information

You may request access to the personal information we hold about you and request that we correct any information that is inaccurate, incomplete or out of date.

We do not charge a fee for providing access to your personal information. To request access or correction, please contact us using the details below.

Complaints

If you have a complaint about the way we have handled your personal information, please let us know, because if we don't know about it, we can't fix it.

You may contact us by email at karen@characterfinance.com.au. Please provide as much information as possible about your complaint so we can properly investigate the matter.

When we receive a complaint, we will acknowledge it and attempt to resolve it promptly and fairly.

Contact Us

Karemy Holdings Pty Ltd ABN 66 149 776 438 trading as Character Finance

Email: karen@characterfinance.com.au

Website: characterfinance.com.au

Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices, legal obligations, regulatory requirements or the services we provide.

The current version of this Privacy Policy will always be available on our website.

Last Updated: June 2026