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Just Right Lending

Legal

Privacy Policy

Last updated: 29 September 2026

Just Right Lending Pty Ltd (ABN 80 674 926 679) ("Just Right Lending", "we", "us" or "our") is committed to protecting your privacy. This policy explains how we collect, hold, use and disclose personal information, how you can access or correct it, and how to make a complaint. It applies to information collected through this website, over the phone, by email, in person, and in the course of providing mortgage broking services.

Just Right Lending Pty Ltd ABN 80 674 926 679 is a Corporate Credit Representative (number 556537), and Jane Betschel is a Credit Representative (number 556695), of BLSSA Pty Ltd ABN 69 117 651 760, Australian Credit Licence 391237. We use the systems and services of our aggregator, Loan Market Group (LMG).

Because we help arrange consumer credit, we handle credit-related personal information and are bound by the Privacy Act 1988 (Cth), including the Australian Privacy Principles and the credit reporting provisions in Part IIIA of that Act, regardless of the size of our business.

Information we collect

Depending on how you interact with us, we may collect:

  • Identity and contact details, such as your name, date of birth, address, phone number and email address.
  • Financial information, such as your income, expenses, assets, liabilities, employment details, bank statements and other information needed to assess a loan application.
  • Credit information, including your credit history and credit reports obtained from credit reporting bodies.
  • Identification documents you provide to verify your identity.
  • Details of any enquiry or message you send us through this website, by phone or by email.
  • Booking details when you schedule a call through our online booking page.

How we collect it

We usually collect personal information directly from you, through this website's contact form, our online booking page, phone calls, email, or in person. We may also collect information from a credit reporting body, a lender, our aggregator, a referrer (such as a real estate agent, buyer's advocate or accountant, with your consent), or a person acting on your behalf, such as a solicitor, conveyancer or accountant.

Why we collect, hold and use it

We collect and use personal information to:

  • Assess your needs and objectives, and identify and recommend suitable loan options;
  • Prepare and submit loan applications to lenders on your behalf;
  • Meet our responsible lending, best interests duty and other obligations under the National Consumer Credit Protection Act 2009 (Cth);
  • Communicate with you about your enquiry, application or ongoing service, including reviews of your loan;
  • Comply with our legal, regulatory and industry obligations, including record keeping requirements; and
  • With your consent, let you know about other products, services or information that may be relevant to you.

Who we disclose it to

In the course of arranging a loan, we may disclose your personal information to:

  • Banks and other lenders you are applying to, and their agents;
  • Our licensee, BLSSA Pty Ltd, and our aggregator, Loan Market Group, including through their client management systems;
  • Credit reporting bodies, for the purpose of obtaining and providing credit reports;
  • Mortgage insurers, valuers, conveyancers and other professionals involved in your transaction, where relevant;
  • Service providers who help us run this website and our business, such as our website hosting provider, our contact form provider, Web3Forms, and our spam protection provider, hCaptcha;
  • Regulatory bodies and government agencies, where required or authorised by law; and
  • Anyone else you have authorised us to share it with.

We do not sell your personal information.

Overseas disclosure

Our aggregator, Loan Market Group, stores client records in cloud-based systems that may be hosted or accessed outside Australia, including in India, the European Union, the United States, New Zealand and the Philippines. Loan Market Group takes reasonable steps to ensure that overseas recipients do not breach Australian privacy obligations. You can read the Loan Market Group privacy policy at lmg.broker/consumer-privacy.

Some of our other service providers (such as our website host, form provider and spam protection provider) may also store data outside Australia as part of providing their service.

Credit reporting

As part of assessing a loan application, we or the lender may obtain a credit report about you from a credit reporting body. We handle any credit reporting information we receive in accordance with Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code, and only use it for the purpose it was obtained.

This website

This website may use Google Analytics or similar tools, which set cookies to help us understand how visitors use the site. This information is aggregated and does not identify you personally. You can disable cookies in your browser settings if you prefer.

If you submit the contact form, the details you enter are sent to our form provider, Web3Forms, and forwarded to us by email. If you use the "Book a call" button, you will be taken to a Google Calendar booking page, and any information you enter there is handled by Google in line with its own privacy policy. Like most websites, our hosting provider automatically logs standard technical information (such as IP address) for security and reliability purposes.

To protect our contact form from spam, we use hCaptcha, a service provided by Intuition Machines, Inc. When you use the form, hCaptcha collects information such as your IP address, browser and device details, and how you interact with the page, to check that the form is being filled in by a person and not an automated program. This information is handled by hCaptcha in line with its own privacy policy and terms of service, and may be processed outside Australia, including in the United States.

Marketing

We will only send you marketing or general information (such as newsletters or rate updates) if you have consented to receive it. You can opt out at any time by using the unsubscribe link in any email or by contacting us using the details below. There is no charge for opting out and we will action your request promptly.

Storage and security

We take reasonable steps to protect the personal information we hold from misuse, interference, loss, and unauthorised access, modification or disclosure. We retain records in line with our obligations under the National Consumer Credit Protection Act 2009 (Cth), which generally requires credit records to be kept for at least seven years.

Access and correction

You can ask us for access to the personal information we hold about you, or ask us to correct it if it is inaccurate, out of date or incomplete. We will respond to your request within a reasonable time. In some circumstances permitted by law, we may need to decline a request. If we do, we will explain why.

Complaints

If you have a concern about how we have handled your personal information, please contact us using the details below and we will investigate and respond within 30 days.

If you are not satisfied with our response, you can lodge a complaint with:

  • The Australian Financial Complaints Authority (AFCA), of which Just Right Lending is a member (AFCA member number 104960). Visit afca.org.au or call 1800 931 678.
  • The Office of the Australian Information Commissioner (OAIC). Visit oaic.gov.au or call 1300 363 992.

Changes to this policy

We may update this policy from time to time. The version published on this page is the current one.

Contact us

Jane Betschel
Just Right Lending Pty Ltd, ABN 80 674 926 679
Corporate Credit Representative (number 556537) of BLSSA Pty Ltd, Australian Credit Licence 391237
Phone: +61 437 320 233
Email: admin@justrightlending.com.au