Privacy, Terms
and Compliance
Our obligations to you, plainly stated. Charter Finance Institute Pty Ltd holds Australian Credit Licence 384875 and is a member of the Australian Financial Complaints Authority. We operate under the Australian Privacy Principles.
Privacy Policy
Charter Finance Institute Pty Ltd, ABN 42 145 381 120, ACN 145 381 120, Australian Credit Licence 384875, AFCA Member 43848.
Who We Are
"We", "us" and "our" refer to Charter Finance Institute Pty Ltd ABN 42 145 381 120, Australian Credit Licence 384875, trading as Charter Finance and our related entities.
Privacy Commitment
Charter Finance is committed to protecting the privacy and confidentiality of personal information. We manage personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
What Is Personal Information
Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable. The types of personal information we may collect include:
- Name
- Date of birth
- Address
- Contact details
- Identification documents
- Employment and income information
- Financial information including assets, liabilities, income and expenses
- Credit history and repayment information
- Family information such as dependants
Credit Information
We may collect credit information to assess your eligibility for finance. This may include credit reports, repayment history information, and credit applications. We may exchange this information with credit reporting bodies including Equifax, Experian and illion.
Why We Collect Personal Information
We collect personal information to:
- Assess finance applications
- Arrange loans or financial products
- Verify your identity
- Comply with regulatory obligations
- Communicate with you
- Manage our relationship with you
- Improve our services
How We Collect Personal Information
We collect personal information directly from you when you complete forms, contact us, submit enquiries through our website or subscribe to communications. We may also receive information from third parties where you have authorised them to share it with us, such as your accountant, financial planner, conveyancer, or a referrer.
Identity Verification and AML/CTF Compliance
To comply with Australian anti-money laundering and counter-terrorism financing laws, we may verify your identity using identification documents such as driver's licences, passports, or government-issued identification.
We may use electronic identity verification services and may disclose information to regulatory authorities where required by law.
Disclosure of Personal Information
We may disclose personal information to:
- Lenders and product issuers in connection with your finance application
- Credit reporting bodies and credit assessors
- Mortgage insurers, valuers, and conveyancers involved in your transaction
- Our aggregator and panel partners that support credit licensee operations
- Regulatory authorities and external dispute resolution bodies where required
- Professional advisers such as accountants, lawyers, and financial planners with your consent
Website Data and Cookies
When you visit our website we may collect technical information such as your IP address, browser type, pages viewed, and referring URLs. We use Google Analytics and Meta (Facebook) Pixel to analyse website traffic and improve our services. You may opt out of analytics tracking via our cookie consent settings. See our Cookie Policy for full detail.
Data Retention
We retain personal information for as long as necessary to provide our services and meet our legal obligations. Credit and financial information is typically retained for seven years in accordance with credit reporting regulations.
Notifiable Data Breaches
If a data breach occurs that is likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner in accordance with the Notifiable Data Breaches scheme under the Privacy Act 1988 (Cth).
Access and Correction
You have the right to request access to your personal information and to request corrections. To make a request, contact us at mywealth@charterfinance.com.au. We will respond within 30 days.
Privacy Complaints
If you have a concern about how we have handled your personal information, please contact us in the first instance. If you remain unsatisfied you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by calling 1300 363 992.
Updates to This Policy
We may update this Privacy Policy from time to time. The current version is always available at charterfinance.com.au/legal/. Continued use of our services following any update constitutes acceptance of the revised policy.
Privacy enquiries
Charter Finance Institute Pty Ltd
Suite 11 / 409 New South Head Road, Double Bay NSW 2028
Email: mywealth@charterfinance.com.au
Phone: 1800 455 118
Data & Security
How Charter Finance protects your information across the website and client portal.
Our Commitment to Data Security
Charter Finance recognises that clients share highly sensitive financial information when seeking finance or financial advice. Protecting this information is fundamental to our operations.
Our data protection approach includes:
- Secure storage of all client information
- Restricted internal access to client data, with staff accessing only what they need
- Secure lender portals and encrypted communications
- Encrypted data in transit (TLS 1.3) and at rest (AES-256)
- Regular review of access controls and security practices
Portal Security
Access to the Charter Finance client portal is invite-only. Accounts are created by Charter Finance following client onboarding. There is no self-registration. The portal enforces the following security standards:
- HTTPS enforced on all portal pages, with no unencrypted access permitted
- Session timeout after a period of inactivity
- Role-based access, so each client only sees their own information
- Document files stored in the WordPress media library, segregated by user, accessible only to you and authorised Charter Finance staff
Document Storage
Documents you upload to the portal are stored within the WordPress media library, segregated per user. Access is restricted to you and authorised Charter Finance staff. Files are not made publicly accessible. We do not use third-party cloud storage for client documents.
Website Analytics
Our website uses Google Analytics and Meta (Facebook) Pixel to analyse visitor behaviour. These technologies use cookies. You may accept or decline non-essential cookies when you first visit the site, and update your preferences at any time via our cookie settings. See our Cookie Policy for full detail.
Third-Party Service Providers
We use trusted third-party providers in delivering our services. These include CRM providers, identity verification services, and email and calendar service providers. All third-party providers are contractually required to handle data in accordance with Australian privacy laws.
Data Breach Response
In the event of a data breach that is likely to result in serious harm, Charter Finance will notify affected individuals and the Office of the Australian Information Commissioner in accordance with the Notifiable Data Breaches scheme under the Privacy Act 1988 (Cth).
Questions About Your Data
Data and security enquiries
Charter Finance Institute Pty Ltd
Email: mywealth@charterfinance.com.au
Phone: 1800 455 118
Website Disclaimer
Important information about the nature of content on charterfinance.com.au.
General Information Only
The information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. Before acting on any information contained on this website you should consider whether it is appropriate for your circumstances and seek professional advice if necessary.
No Financial Product Advice
Nothing on this website constitutes financial product advice, credit advice, or a recommendation to acquire any financial product. Charter Finance Institute Pty Ltd holds Australian Credit Licence 384875 and is authorised to provide credit assistance. Any credit assistance is provided subject to a full assessment of your individual circumstances.
Credit Warning: Any credit assessment on this website is general in nature. Credit products may not be suitable for everyone. We recommend you read the relevant Product Disclosure Statement or credit contract before making any decision and seek independent legal and financial advice if required.
Calculator Tools
Calculators and tools on this website are provided for illustrative and educational purposes only. Results are estimates based on inputs you provide and assumptions built into the tool. They do not account for your full financial situation and should not be relied upon as a substitute for professional financial or credit advice.
Accuracy of Information
While Charter Finance takes reasonable care to ensure the accuracy of information on this website, we make no warranty, express or implied, regarding its completeness, accuracy, or currency. Interest rates, fees, and product information may change without notice. Always confirm current details directly with the relevant lender or institution.
Third-Party Links
This website may contain links to third-party websites. Charter Finance is not responsible for the content, accuracy, or privacy practices of those websites. The inclusion of a link does not constitute an endorsement.
Intellectual Property
All content on this website, including text, images, calculators, brand assets, and the Financial Wholeness Journey™ and Financial Wholeness Index™ methodologies, is the intellectual property of Charter Finance Institute Pty Ltd. Reproduction without written permission is prohibited.
Limitation of Liability
To the extent permitted by law, Charter Finance Institute Pty Ltd excludes all liability for any loss or damage arising from use of, or reliance on, information on this website, including indirect, consequential, or special loss.
Website Terms of Use
Terms governing access to and use of charterfinance.com.au and the Charter Finance client portal.
Agreement to Terms
By accessing this website you agree that the content is for informational purposes only and must not be reproduced without written permission. Charter Finance may update website content or these terms at any time without notice. Continued use of the website following any update constitutes acceptance of the revised terms.
Permitted Use
You may access and use this website for lawful personal and professional purposes. You must not:
- Use the website in a manner that breaches any applicable law or regulation
- Reproduce, copy, or distribute website content without written permission
- Interfere with the security or functionality of the website
- Introduce malicious code, or attempt to gain unauthorised access to any part of the website or portal
- Use automated tools to scrape, extract, or download content
Client Portal
Access to the Charter Finance client portal is by invitation only. Portal accounts are created by Charter Finance and are personal to you. You must not share your login credentials. Charter Finance reserves the right to suspend or terminate portal access at any time.
Intellectual Property
All content on this website, including the Financial Wholeness Journey™, Financial Wholeness Index™, and all calculators and tools, is the intellectual property of Charter Finance Institute Pty Ltd. Trademarks are registered or pending registration. Unauthorised use is prohibited.
Website Form Privacy Consent
When submitting an enquiry or calculator form on this website, you consent to Charter Finance collecting and using your personal information in accordance with our Privacy Policy. Each form includes the following consent statement:
Governing Law
These Terms of Use are governed by the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales.
Changes to These Terms
Charter Finance reserves the right to modify these terms at any time. The current version is always available at charterfinance.com.au/legal/. We recommend reviewing these terms periodically.
Complaints & Dispute Resolution
How to raise a concern, and what happens next.
Our Commitment
Charter Finance is committed to resolving complaints fairly, promptly, and transparently. If you have a concern about our services, please contact us directly so we can work to resolve the matter.
Step 1. Contact Charter Finance
In the first instance, please raise your concern directly with our team. We will acknowledge your complaint within 2 business days and aim to resolve it within 30 days.
Charter Finance Institute Pty Ltd
Suite 11 / 409 New South Head Road, Double Bay NSW 2028
Phone: 1800 455 118
Step 2. External Dispute Resolution
If you are not satisfied with our response, you may escalate your complaint to an external dispute resolution body. Charter Finance is a member of the Australian Financial Complaints Authority (AFCA), Member 43848.
Australian Financial Complaints Authority (AFCA)
For complaints about credit, finance, or general financial services.
Phone: 1800 931 678
Web: www.afca.org.au
Post: GPO Box 3, Melbourne VIC 3001
Office of the Australian Information Commissioner (OAIC)
For complaints about privacy and handling of personal information.
Phone: 1300 363 992
Web: www.oaic.gov.au
Australian Securities and Investments Commission (ASIC)
For concerns about the conduct of a credit licensee.
Web: www.asic.gov.au