Privacy Policy

aupersonalfinancebuddy
ABN: 90 311 539 432
Last updated: August 2026

1. Who we are
   auspersonalfinancebuddy is operated by Hammill Prasawat as a sole trader (ABN 90 311 539 432). This policy explains how we handle personal information collected through our mortgage broker referral form at auspersonalfinancebuddy.com.
2. What we collect
   When you complete our referral form, we collect:

• First and last name
• Mobile number
• Email address
• Income details
• Occupation
• Your answers to our residency status questions
• Any other information you choose to provide in the form

3. Why we collect it
   We collect this information for one purpose: to refer you to 3 Dot Loans, a mortgage broking business, so they can contact you about home loan options. We do not use your information to assess your eligibility for credit, compare loan products on your behalf, or provide any credit advice. We are not a credit licensee and do not hold a credit licence — we are only passing your details on to a licensed provider.
4. Who we share it with
   We share the information you provide with 3 Dot Loans, a mortgage broking business, so they can contact you directly. We receive referral remuneration from 3 Dot Loans when a referral proceeds. This remuneration does not change the rate, terms, or fees you’re offered. We do not sell or share your information with anyone else, and we do not use it for any other purpose (including marketing) without your separate consent.
5. Consent
   I consent to Aus Personal Finance Buddy sharing the information I’ve provided with 3 Dot Loans so that 3 Dot Loans can contact me about home loan options. I understand auspersonalfinancebuddy may receive referral remuneration if I proceed with 3 Dot Loans, and that this does not affect any rate or terms I’m offered.
6. How we store and protect it
   Your information is stored in Google Sheets, with restricted sharing settings limited to Hammill Prasawat only. No other person or business has access to this data. We take reasonable steps to protect it from misuse, loss, and unauthorised access.
7. How long we keep it
   We retain your information for 2 years after referral, or until you ask us to delete it, whichever is sooner. We are not able to control how long 3 Dot Loans retains your information once it’s shared with them — see their privacy policy for that.
8. Access and correction
   You can ask us at any time what information we hold about you, ask us to correct it, or ask us to delete it (where we’re not legally required to keep it). Contact us at auspersonalfinancebuddy@gmail.com.
9. Complaints
   If you’re unhappy with how we’ve handled your information, contact us first at auspersonalfinancebuddy@gmail.com. If you’re not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.
10. Third-party handling
    Once your information is shared with 3 Dot Loans, their own privacy policy governs how they handle it.
11. Changes to this policy
    We may update this policy from time to time. The current version will always be available at auspersonalfinancebuddy.com/privacy-policy-terms-and-conditions.

Terms and Conditions — Referral Form

1. What this form does
   This form allows you to request an introduction to 3 Dot Loans, a mortgage broking business. Submitting this form does not constitute a loan application, and does not guarantee contact, approval, or any particular outcome.
2. Not credit advice
   auspersonalfinancebuddy does not hold an Australian Credit Licence and does not provide credit assistance, credit advice, or recommendations about loan suitability. All information provided through this form is passed to 3 Dot Loans, who will assess your circumstances independently.
3. Accuracy of information
   You’re responsible for the accuracy of the information you provide. We don’t verify it before passing it on.
4. Referral remuneration disclosure
   auspersonalfinancebuddy may receive referral remuneration from 3 Dot Loans if you proceed with their services. This is disclosed to you at the point of referral in accordance with our obligations under the National Consumer Credit Protection Act 2009.
5. No liability
   Aus Personal Finance Buddy is not liable for any outcome arising from your dealings with 3 Dot Loans, including loan approval, rates, fees, or service quality.
6. Governing law
   These terms are governed by the laws of New South Wales, Australia, regardless of the state or territory you’re accessing this form from.