PCHEA Pty Ltd trading as Blue Finance – Mortgage Brokers and Business Loans
Last updated: 12 November 2026
This policy explains how we collect, use, share, protect and dispose of your personal information and credit information, and how you can access it, correct it or make a complaint. It applies to clients, prospective clients, people who visit our website or book a call with us, and anyone else whose information we handle.
If anything in this policy is unclear, please contact us using the details in section 19.
We are bound by the Privacy Act 1988 (Cth) (Privacy Act), including the Australian Privacy Principles (APPs). Where we deal with credit information, we also follow Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code 2025 (CR Code), to the extent they apply to us.
In this policy:
Anyone who works with us and handles personal information is bound by confidentiality obligations, and only accesses the information they need for their role.
Our other privacy documents. Before we provide credit assistance, we give you our Credit Guide, Privacy Disclosure and Privacy Consent. This policy is consistent with those documents, which explain in more detail how we handle your information for your loan.
We help clients with home loans, refinancing, investment loans, business and commercial loans, loans for medical and health professionals, personal loans, self-employed loans, and car and equipment finance. We work with clients Australia-wide by phone or video, and meet clients in person in Melbourne.
We only collect information that is reasonably necessary to help you with finance. Depending on what you need, this may include:
Sensitive information. We only collect sensitive information (such as health information) with your consent and where it is reasonably necessary. For example, you may tell us about a health issue that affects your income or your ability to make repayments, so we can discuss hardship options or lender requirements.
Tax file numbers. We do not need your tax file number (TFN). If a document we keep shows your TFN, we redact it. If we receive a TFN without lawful authority to collect it, we remove or destroy it. We handle TFNs under the Privacy (Tax File Number) Rule 2015.
Information about other people. If you give us information about someone else (such as a co-borrower, guarantor, spouse or referee), please make sure they know you are giving it to us and that they can read this policy.
We usually collect information directly from you, for example:
With your consent, or where the law allows, we may also collect information from:
Bank statement and identity tools. With your consent, we may use secure third-party services to retrieve your bank statements directly from your bank and to verify your identity.
If we receive information about you that we did not ask for, we will decide whether we could have collected it lawfully. If not, we will destroy or de-identify it where it is lawful and reasonable to do so.
We collect, use and disclose your information to:
If you do not give us the information we ask for, we may not be able to help you, and a lender may not be able to assess your application.
We only share your information for the purposes in section 5, or as the law requires or allows. Depending on your loan, we may share it with:
Lenders and other parties who receive your information handle it under their own privacy policies. We ask our service providers to keep your information confidential and only use it to provide services to us.
Referrals to other providers. With your consent, which we record in a signed referral privacy consent, we may refer you to other providers, such as insurance, financial planning or conveyancing services, and give them your contact details and relevant information. We will tell you about any referral fees or other financial or non-financial benefits we or they receive for the referral.
We do not sell your personal information.
We provide credit assistance as a representative of Purple Circle Financial Services Pty Ltd (Australian Credit Licence 486112). As our licensee, Purple Circle may also collect, hold, use and disclose your information, for example for compliance monitoring, audits, file reviews, record keeping and complaints handling.
Purple Circle handles your information under its own privacy policy. As its representative, we also follow Purple Circle’s privacy policies and procedures.
We are a credit representative (a finance broker), not a credit provider. We do not lend money, and we do not report information about your loans or repayments to credit reporting bodies.
What we do with credit information. With your consent, we may:
When we request your credit report, we give the credit reporting body the identification details it needs to find your file.
What a credit report may include. A credit report may include your identification details, credit you have applied for and related enquiries, your current and past credit accounts, repayment history and financial hardship information, defaults and overdue amounts later paid, court judgments, personal insolvency information, serious credit infringements, and credit scores.
Lenders. Lenders are credit providers. When you apply for a loan, the lender will usually obtain its own credit report about you, and may give credit reporting bodies information about your loan and repayments. Lenders do this under their own credit reporting policies.
Credit reporting bodies. The main consumer credit reporting bodies in Australia are listed below. Each has a credit reporting policy explaining how it handles your information, available on its website.
| Credit reporting body | Website | Phone | Post |
|---|---|---|---|
| Equifax Australia Information Services and Solutions Pty Limited | www.equifax.com.au | 13 83 32 | GPO Box 964, North Sydney NSW 2059 |
| Experian Australia (Experian Data Registries Pty Ltd, formerly illion) | www.experian.com.au | 1300 783 684 | PO Box 7405, St Kilda Road, Melbourne VIC 3004 |
Since 1 April 2026, illion’s consumer credit reporting has operated as part of Experian.
Your rights with credit reporting bodies. You can:
To access or correct credit information, see section 16. To complain, see section 18.
Website hosting. Our website is hosted by Cloudflare. Cloudflare may process technical data, such as your IP address and browser and device information, to deliver the website and protect it against attacks and misuse.
Online booking with Setmore. Our website embeds Setmore, an online booking service, so you can book a 15-minute discovery call. The “Book Now” button on our Instagram profile also uses Setmore. When you book, Setmore collects your name, phone number, email address and any comments you choose to add, and sends them to us.
Please note:
Cookies. Cookies are small files stored on your device. We and our service providers use cookies and similar technologies to run the website and booking tool and keep them secure. If we switch on any of the tools in section 10, cookies will also be used to measure visits and advertising. You can block or delete cookies in your browser settings. If you do, some parts of the website, including online booking, may not work properly.
We may use the following tools to understand how people use our website and to measure our advertising, including how many people book a call. None of them is switched on at the date of this policy:
If we switch them on, these tools would use cookies and similar technologies to collect information such as pages viewed, time on site, device and browser type, approximate location, and actions taken (such as booking a call). Google and Meta may combine this with other information they hold, under their own privacy policies, and may process it overseas (see section 12).
We will update this policy before we switch on any analytics or advertising tool that is not listed above.
How to opt out (once these tools are in use):
We may send you updates, information and offers about finance and our services, such as rate reviews or market news. We will only do this with your consent, or where the law otherwise allows, and in line with the Spam Act 2003 (Cth).
You can unsubscribe at any time by replying “unsubscribe” to any of our marketing emails, or by contacting us. We will action your request within 5 business days. We do not use credit eligibility information for marketing.
Some of our service providers store or process information outside Australia. Based on their published information, the countries are:
| Provider | What it does for us | Countries |
|---|---|---|
| Google Workspace | Email, calendar and file storage | USA, and other countries in Google’s data centre network |
| Setmore | Online booking | USA |
| Cloudflare | Website hosting and security | USA, and other countries in Cloudflare’s global network |
| Salestrekker (our loan software) | Lodging and managing applications | Australia (hosted); may be accessed from Serbia for support and development |
| Google Analytics and Google Ads (if switched on) | Website analytics and ad measurement | USA, and other countries in Google’s data centre network |
| Meta (if switched on) | Ad measurement (Facebook and Instagram) | USA, and other countries in Meta’s data centre network |
Where a provider stores data across a global network, it is not practicable to list every country here. The full list for each provider is available on request.
Lenders, our licensee and other parties we share information with may also store it overseas under their own policies. Before we disclose personal information overseas, we take reasonable steps to make sure it will be handled consistently with the APPs.
No decision about you is made solely by a computer program. We do use software that is substantially and directly related to some decisions we make about you, and this section explains how.
Kinds of decisions. When we provide credit assistance, we decide:
The software we use. Our loan software, Salestrekker, includes serviceability calculators and product comparison tools. They use the information you give us to estimate how much you may be able to borrow and repay, and to compare loan products and lender requirements.
Kinds of personal information used. These tools use information such as your income and employment details, living expenses and dependants, assets and liabilities (including existing debts and repayments), the loan amount, purpose and term, the value of any property or security, and your credit history.
A person makes the recommendation. Your broker reviews the results, considers your situation and objectives, and makes the recommendation. If you have questions about how the tools were used for you, please ask us.
Lender decisions. The decision to approve or decline a loan is made by the lender, which may use automated tools under its own policies.
You can make a general enquiry, or ask about our services, without telling us your name or by using a different name.
This is not possible once you want us to help with a loan. The law requires lenders to verify your identity, and we need accurate information about you to assess what may suit you and to prepare an application. To book a call, we also need contact details so we can reach you.
We hold information in electronic systems (such as Google Workspace, our booking system and our loan software, Salestrekker) and, occasionally, in paper files. We take reasonable steps to protect it from misuse, interference, loss, and unauthorised access, change or disclosure, including:
No method of storing or sending information is completely secure. Please take care when sending documents to us, and ask us about the safest way to send sensitive documents.
How long we keep records. We keep credit and lending records for at least 7 years after our dealings with you end, or longer where the law or our licensee requires. When we no longer need information for any lawful purpose, we securely destroy it or de-identify it. For example, we permanently delete electronic records and shred paper records.
There are two processes, depending on who holds the information.
Information we hold (APPs 12 and 13). This covers all personal information in our files, including copies of credit reports and other credit information.
To ask for access, contact us (section 19). We will:
In some cases the law allows us to refuse access, for example where giving access would unreasonably affect someone else’s privacy or would prejudice legal proceedings. If we refuse, we will tell you why in writing and how you can complain.
To ask for a correction, contact us. If the information is inaccurate, out of date, incomplete, irrelevant or misleading, we will correct it within 30 days of your request, or a longer period you agree to in writing. We do not charge for correction requests or for making corrections. If we corrected information we had given to someone else, such as a lender, we will tell them if you ask us to.
If we do not agree to make a correction, we will tell you why in writing and how you can complain. You can also ask us to attach a statement to the information saying you believe it is wrong, and we will do so.
Credit information held by credit reporting bodies and lenders (Part IIIA). Your credit report is held by the credit reporting body, and information about your loans is held by the credit provider that reported it. Under Part IIIA of the Privacy Act and the CR Code, you can:
We can help you work out who to contact. If information on your credit report is corrected, we will update our copy.
We are covered by the Notifiable Data Breaches scheme under the Privacy Act. If we suspect a data breach, we will act quickly to contain it and assess it within 30 days.
If an eligible data breach occurs (one likely to result in serious harm to the people affected), we will notify you and the Office of the Australian Information Commissioner (OAIC) as soon as practicable. We will tell you what happened and what you can do to protect yourself. We will also tell our licensee.
If you are unhappy with our service, or with how we have handled your personal or credit information, please tell us. You can complain by phone, email, in writing or in person.
Complaints Contact Person: Peter Chea, Principal Finance Broker.
Step 1: Contact us. Phone 0493 122 353, email info@bluefinancebrokers.com.au, or write to 50 Tunstall Square, Doncaster East VIC 3109. We will:
Where your complaint is about credit information, we may need to consult a credit reporting body or a credit provider. If you are not satisfied with our response, you can also raise your complaint with our licensee, Purple Circle Financial Services Pty Ltd, by emailing compliance@purplecfs.com.au.
Step 2: Contact AFCA. If you are not satisfied with our response, or we have not responded within 30 calendar days, you can contact the Australian Financial Complaints Authority (AFCA). AFCA is a free external dispute resolution scheme for consumers and small businesses. Our AFCA membership numbers are: Peter Chea 121097 and PCHEA Pty Ltd 121037.
Step 3: Contact the OAIC. You can also complain to the Office of the Australian Information Commissioner about a privacy or credit reporting matter. The OAIC usually expects you to complain to us first and allow 30 days for a response. OAIC complaints must be made in writing.
We may update this policy from time to time. The current version will always be on our website, with the date it was last updated. You can ask us for a free copy of this policy, including in another format.
For any privacy question, request or complaint, please contact:
Peter Chea, Principal Finance Broker PCHEA Pty Ltd trading as Blue Finance – Mortgage Brokers and Business Loans 50 Tunstall Square, Doncaster East VIC 3109 (by appointment only) Phone: 0493 122 353 Email: info@bluefinancebrokers.com.au Website: https://www.bluefinancebrokers.com.au
