Who are we?
‘We’, ‘us’ and ‘our’ refer to the Empower Wealth Group of Companies consisting of:
Integrated Pathways Pty Ltd , trading as Empower Wealth. This company is the parent entity providing operational and support services to the group of companies under Empower Wealth.
Empower Wealth Mortgage Advisory Pty Ltd.
This company is a Mortgage Broking & Finance Advisory business. This entity holds an Australian Credit Licence: ACL No: 428266 and is a member of the Australian Finance Group & Mortgage & Finance Association of Australia (MFAA)
Empower Wealth Financial Services Pty Ltd.
This company is a Financial Planning Business. This entity is an Authorised Representative of Integrated Pathways Financial Services Pty Ltd, operating under an Australian Financial Services License No: 536049.
Empower Wealth Buyers Advocates Pty Ltd
This company is a Licensed Real Estate Agency in Victoria, operating under Licence No: 076671L, New South Wales, under Licence No: 10085844, Queensland under Licence No: 3951664 and South Australia under Licence No: RLA 270826. This entity offers Buyers & Vendor Advocacy services and other property related services.
Empower Wealth Advisory Pty Ltd.
This Company is responsible for the development of our proprietary software tools and our property investment advisory services. This company is a member of the Property Investment Professionals of Australia (PIPA).
Empower Wealth Education Pty Ltd.
This company is responsible for providing education relating to property, investment property and other subjects relating to wealth creation.
Empower Wealth Tax & Personal Accounting Pty Ltd.
This company is responsible for proving tax and personal accounting services.
Select Residential Property Pty Ltd.
This company is responsible for direct residential property data and research tools and services. Integrated Pathways (Empower Wealth) is the majority shareholder of this company.
Our commitment to protect your privacy
We recognise that any personal information we collect about you will only be used for the purposes we have collected it or as allowed by law. It is important to us that you are confident that any personal information we hold about you will be treated in a way that ensures protection of your personal information.
Our commitment in respect of personal information is to abide by the Australian Privacy Principles for the protection of personal information, as set out in the Privacy Act and any other relevant laws.
When we refer to personal information, we mean information from which your identity is reasonably apparent. This information may include information or an opinion about you.
The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, tax file number and any other information we made need to identify you or provide goods or services to you from time to time.
If you are applying for finance, we may also collect the ages and number of your dependants and cohabitants, the length of time at your current address, your employment details and proof of earnings and expenses. If you apply for any insurance product through us, we may also collect your health information. We will only collect health information from you with your consent.
The personal information we collect and hold about you may include credit information. Credit information is information which is used to assess your eligibility to be provided with finance and may include any finance that you have outstanding, your repayment history in respect of those loans, and any defaults. Usually, credit information is exchanged between credit and finance providers and credit reporting bodies.
If you want to purchase any of our services, we may also need to collect your payment information. We will also collect this information if we need to make payments to you. If you apply for employment with us, we will collect information about your work history and ask your referees about you.
Why we collect your personal information
We collect personal and financial information for the purposes of assessing your application for finance and managing that finance. We may also collect your personal information for the purposes of direct marketing and managing our relationship with you. From time to time, we may offer you other products and services.
If you apply for employment with us, we will collect information about you to assist us to decide whether to appoint you.
We collect payment information if necessary, in order to process your payments.
To enable us to maintain a successful business relationship with you, we may disclose your personal information to other organisations that provide products or services used or marketed by us. The types of organisations to which we are likely to disclose information about you include other mortgage intermediaries, lenders, valuers, lenders mortgage insurers, surveyors, accountants, credit reporting bodies, recoveries firms, debt collectors and lawyers.
How do we collect your personal information?
We collect information from you in several ways and we will ask for your consent to do so in the first instance:
- We collect your information when you provide us your information via our website (empowerwealth.com.au) or via our cloud base Platform called Moorr, when you enter your information into the platform. If you engaged one of our services, Employer Wealth Staff may record and save information to your record on the Platform or within our Customer Relationship Management (CRM) software.
- While we do not use browsing information to identify you personally, we may record certain information about your use of our website, such as which pages you visit, the time and date of your visit and the internet protocol address assigned to your computer.
- We may also use ‘cookies’ or other similar tracking technologies on our website that help us track your website usage and remember your preferences. Cookies are small files that store information on your computer, TV, mobile phone or other device. They enable the entity that put the cookie on your device to recognise you across different websites, services, devices and/or browsing sessions. You can disable cookies through your internet browser but our websites may not work as intended for you if you do so.
- We may collect your personal information directly from you either face to face or via video or audio conferencing.
- We may collect information from you via documents you send us or upload into the document area of our Platform
- We may also collect your personal information from credit reporting bodies, finance brokers and other people such as accountants, lawyers and referees in our efforts to service your needs and / or to formally validate your information against what you provided us verbally or online
Do we disclose your personal information?
We may disclose your personal information:
to prospective funders/lenders, lenders mortgage insurers, the ATO and credit reporting bodies or other intermediaries in relation to your finance requirements (Note: this will only occur with your authorisation);
to companies that provide software and infrastructure systems to us;
to our related operations such as The Property Couch and Select Residential Property (Note: The provision of this information will be for marketing purposes only.)
to anybody who represents you, such as finance brokers, lawyers, financial planners and accountants (Note: this will only occur with your authorisation);
where we are required to do so by law, such as under the Anti-Money or Laundering and Counter Terrorism Financing Act 2006 (Cth) or in accordance with a subpoena or summons issued by a court.
We may collect the following kinds of credit information and exchange this information with credit reporting bodies and other entities (with your consent):
credit liability information about your existing finance which includes but is not limited to the name of the credit provider, whether the credit provider holds an Australian Credit Licence, the type of finance, the day the finance is entered into, the terms and conditions of the finance, the maximum amount of finance available, borrowing capacity and the day on which the finance was terminated;
repayment history information which is information about whether you meet your repayments on time;
information about the type of finance that you are applying for;
default and payment information; and
court proceedings information.
We exchange this credit information for the purposes of assessing your application for finance, managing that finance and any outstanding liabilities to us.
This credit information may be held by us in electronic form on our secure data servers or may also be held in paper form in secure lockable cabinets. We may use cloud storage to store the credit information we hold about you.
If or when we obtain credit information from a credit reporting body about you, we may also seek publicly available information and information about any serious credit infringement that you may have committed.
We exchange your credit information with credit reporting bodies and/or debt collection companies. We use the credit information that we exchange with the credit reporting body and/or debt collection companies to assess your creditworthiness, assess your application for finance, manage your finance or any outstanding liabilities with us.
If you fail to meet your payment obligations in relation to any finance that we have provided or arranged or you have committed a serious credit infringement then we may disclose this information to a credit reporting body and/or debt collection companies.
You have the right to request access to the credit information that we hold about you and make a request for us to correct that credit information if needed. Please see the heading Access and correction to your personal and credit information below.
Sometimes your credit information will be used by credit reporting bodies for the purposes of ‘pre-screening’ credit offers on the request of other credit providers. You can contact the credit reporting body at any time to request that your credit information is not used in this way.
You may contact the credit reporting body to advise them that you believe that you may have been a victim of fraud. For a period of 21 days after the credit reporting body receives your notification the credit reporting body must not use or disclose that credit information. You can contact any of the following credit reporting bodies for more information:
From time to time, we may use your personal information to provide you with current information about finance, financial services, Property, Tax and money matters, offers you may find of interest, changes to our organisation, or new products or services being offered by us or any company with whom we are associated.
Empower Wealth will share your personal and financial information across our groups of companies to better serve you and for the provision of educational and marketing purposes.
If you do not wish to receive marketing information, you may at any time decline to receive such information by notifying us on our Helpdesk at www.moorr.com.au/support or by phoning us on 03 9326 8900. If the direct marketing is by email, you may also use the unsubscribe function. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request within a reasonable time frame.
Updating your personal information
It is important to us that the personal information we hold about you is accurate and up to date. During the course of our relationship with you we may ask you to inform us if any of your personal information has changed.
We encourage you to update your information on Moorr whenever important personal or financial information changes occur with you or again you can contact us via our Helpdesk here and will assist you with updating your information.
Access and correction to your personal and credit information
Again, most of the personal information that we hold about you will be kept under Moorr. You will have access to this information via your own username and password and you can update it at any time.
We will provide you with access to any other personal, financial and credit information we hold about you. You may request access to any of the personal information we hold about you at any time.
We may charge a fee for our costs of retrieving and supplying the information to you.
Depending on the type of request that you make we may respond to your request immediately, otherwise we aim to respond within 30 days of receiving your request. We may need to contact other entities to properly investigate your request.
There may be situations where we are not required to provide you with access to your personal information, for example, if the information relates to existing or anticipated legal proceedings, or if your request is vexatious.
An explanation will be provided to you if we deny you access to the personal information we hold about you.
If any of the personal information we hold about you is incorrect, inaccurate or out of date you may request that we correct the information. If appropriate we will correct the personal information at the time of the request. Otherwise, we will provide an initial response to you within seven days of receiving your request. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the personal information within 30 days.
We may need to consult with other entities as part of our investigation.
If we refuse to correct personal information, we will provide you with our reasons for not correcting the information.
Using government identifiers
When we collect government identifiers, such as your tax file number, we do not use or disclose this information other than as required by law or to conduct any Tax work you engage us to perform on your behalf.
Business without identifying you
In most circumstances it will be necessary for us to identify you in order to successfully do business with you, however, where it is lawful and practicable to do so, we will offer you the opportunity of doing business with us without providing us with personal information, for example, if you make general inquiries about interest rates or current promotional offers.
How safe and secure is your personal information that we hold?
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in electronic form on our secure servers, and it may also be held in paper form in secure lockable cabinets. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
Data recorded in Moorr is stored in data centres located within Australia.
There are also instances when we share data, it may be transferred to, and processed outside of Australia. Some data is stored within 3rd party software suppliers, where external access is prevented; and cloud service providers whose servers are located outside of Australia.
Personal data on servers operated by cloud service providers are protected by the appropriate safeguards, which are incorporated into our agreements with such cloud service providers. For further information, please contact us on our Helpdesk at www.moorr.com.au/support.
If you are dissatisfied with how we have dealt with your personal information, or you have a complaint about our compliance with the Privacy Act, you may contact our complaints officer by email at: email@example.com.
We will acknowledge your complaint within seven days. We aim to provide you with a decision on your complaint within 30 days.
If you are dissatisfied with the response of our complaints officer you may make a complaint to our External Dispute Resolution Scheme, the Australian Financial Complaints Authority (AFCA) which can be contacted on either www.afca.com.au or 1800 931 678 or the Privacy Commissioner which can be contacted on either www.oaic.gov.au or 1300 363 992.
You may request further information about the way we manage your personal or credit information by contacting us on our Helpdesk at www.moorr.com.au/support
We are constantly reviewing all of our policies and attempt to keep up to date with market expectations. Technology is constantly changing, as is the law and market place practices.