Introduction
Bysanjna Pty Ltd (trading as Refyne Mortgages) (“we”, “us”, “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and store personal information when you visit our website, enquire about our services, or engage us as your mortgage broker.
Information we collect
We may collect:
- Contact details: name, email address, phone number, and postal address.
- Financial information: income, employment, assets, liabilities, and credit history relevant to a loan application.
- Identification documents: as required for responsible lending and AML/CTF obligations.
- Technical data: IP address, browser type, device information, and cookies when you use our website.
- Sensitive information: only where you consent and it is reasonably necessary for our services (for example, government identifiers where required for lending).
How we collect information
We collect information directly from you (forms, phone, email, Calendly bookings), from your authorised representatives, from credit reporting bodies with your consent, and automatically through analytics tools on our website.
Why we use your information
We use personal information to:
- Provide mortgage broking and related financial services;
- Assess your borrowing needs and prepare lender applications;
- Communicate with you about your enquiry or application;
- Comply with legal and regulatory obligations;
- Improve our website and client experience;
- Send marketing communications where you have opted in (you may unsubscribe at any time).
Disclosure to third parties
We may disclose information to:
- Lenders and aggregators (such as Australian Finance Group) to lodge and assess applications;
- Professional advisers, valuers, and settlement agents involved in your transaction;
- IT, cloud hosting, and communication providers who support our business;
- Regulators or law enforcement where required by law.
We do not sell your personal information.
Overseas disclosure
Some service providers may store or process data outside Australia. Where this occurs, we take reasonable steps to ensure recipients handle information in line with Australian privacy principles.
Direct marketing
You may receive updates about property finance and Refyne services. Contact us to opt out at any time using the details below.
Security
We implement reasonable technical and organisational measures to protect personal information from misuse, loss, unauthorised access, or disclosure.
Access and correction
You may request access to or correction of your personal information by contacting us. We will respond within a reasonable period in line with the Privacy Act 1988 (Cth).
Cookies
Our website uses cookies and similar technologies for analytics (including Google Analytics and Microsoft Clarity) and to improve site functionality. You can adjust browser settings to limit cookies.
Complaints
If you have a privacy complaint, contact us first. If unresolved, you may contact the Office of the Australian Information Commissioner (OAIC).
Contact us
Bysanjna Pty Ltd (trading as Refyne Mortgages)
ACN 25651182320
Authorised credit representative of Australian Finance Group Ltd ACN 066 385 822
Australian Credit Licence 389087
Phone: 0422 717 544
Email: hello@refyneloans.com.au
Changes to this policy
We may update this Privacy Policy from time to time. The current version will always be published on this page with an updated effective date.
Last updated: July 2026