Privacy Policy

At Mortgaze Help, we believe that data and technology play a vital role in supporting innovation and improving broker-client relationships. As a service provider, we are committed to the responsible collection, management, and use of data—always with respect to privacy, security, and ethical considerations.

Although based in Nepal and not registered as a business entity in Australia, we assist Australian mortgage brokers with client pricing reviews and rate maintenance services. We take the privacy of brokers and their clients seriously and aim to maintain transparency in how we collect and handle personal data.

1. Who We Are

Mortgaze Help is a Nepal-based company supporting Australian mortgage brokers by assisting in pricing review services for existing home loan clients. We are not an Australian credit licensee and do not provide direct services to Australian consumers.

By interacting with us or providing personal information (including on behalf of your clients), you consent to us collecting, storing, and using that information under this Privacy Policy.

2. What Information We Collect

We collect personal information that is reasonably necessary to provide our services to brokers. This may include:

Broker and business contact details (name, email, phone number)
Employment details (business name, position)
Client mortgage details (loan balance, interest rate, lender, repayment history)
Property-related data (address, value, purchase details)
Other information relevant to assisting in mortgage rate analysis and service delivery

We do not collect personal financial documents or identification documents of clients unless explicitly shared for service purposes.

3. How We Collect Information

Information may be collected directly or indirectly, such as via:

Email communication or service requests from brokers
Submission of spreadsheets, rate review requests, or client data for analysis
Third-party platforms or CRM systems (with broker permission)
Forms or communication through our website (if applicable)

We may also receive client data from brokers where consent has been obtained by the broker.

4. Why We Collect Your Information

We collect and use personal information solely for the following purposes:

To assist brokers in identifying pricing opportunities for their clients
To conduct rate review activities and prepare supporting documentation
To communicate effectively with brokers
To improve and streamline our internal processes and services
To comply with legal or contractual obligations where applicable

We do not use personal information for any unrelated marketing or direct consumer solicitation.

5. Data Storage and Security

All data we collect is stored securely using encrypted cloud-based systems or local servers with access controls. While we are based outside Australia, we follow industry best practices to protect data from unauthorized access, alteration, or loss.

We retain data only as long as necessary for business and compliance purposes, after which it is securely deleted or de-identified.

6. Your Responsibility as a Broker

If you provide us with information about your clients, you acknowledge and confirm that:

You have obtained appropriate consent from your clients for their data to be shared with third-party service providers like us.
You will inform your clients of how their information is being used, including the fact that it may be processed overseas.

7. Access and Correction

If you or your client would like to access or correct the information we hold, you may email us at hello@mortgazehelp.com. We will respond within a reasonable timeframe and aim to resolve all access or update requests efficiently.

8. Data Transfers

As we operate from Nepal, data you share with us will be stored and processed outside of Australia. By using our services, you consent to this cross-border data handling. We will take reasonable steps to ensure your information is protected to the same standards as expected under Australian privacy principles.

9. Website & Cookies (if applicable)

If we operate a website, we may use cookies or tracking technologies for usage analytics. These do not collect personal data unless voluntarily submitted. You may disable cookies in your browser if you wish.

Links to third-party websites are not governed by this Privacy Policy. Please refer to the privacy terms on those sites separately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website or communicated directly to our broker partners. We encourage you to review this policy periodically.

Last updated: June 2025

11. Contact Us

If you have any questions or concerns about how your data is handled, or if you'd like to lodge a complaint, please contact:

Email: hello@mortgazehelp.com
Address: Mortgaze Help, Kathmandu, Nepal