Privacy Policy

1. Introduction

Esteb and Co ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Complete a loan assessment or application
• Contact us for support
• Subscribe to our newsletter
• Use our calculators or tools

This information may include:

• Name and contact information (email, phone number, address)
• Financial information (income, expenses, assets, liabilities)
• Employment information
• Identification information (driver's license, passport)
• Credit information

2.2 Automatically Collected Information

When you visit our website, we automatically collect certain information about your device, including:

• IP address
• Browser type and version
• Pages visited and time spent
• Referring website
• Device and operating system information

3. How We Use Your Information

We use the information we collect to:

• Process and assess your loan applications
• Match you with suitable lenders
• Communicate with you about your application
• Improve our services and website
• Comply with legal obligations
• Prevent fraud and enhance security
• Send you marketing communications (with your consent)

4. Disclosure of Your Information

We may share your information with:

4.1 Lenders

We share your information with lenders you choose to apply with, or who may be suitable matches based on our assessment.

4.2 Service Providers

We may share information with third-party service providers who perform services on our behalf, such as:

• Credit checking agencies
• IT and cloud hosting providers
• Payment processors
• Marketing and analytics providers

4.3 Legal Requirements

We may disclose your information if required by law or in response to valid requests by public authorities.

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• SSL encryption for data transmission
• Secure servers and databases
• Access controls and authentication
• Regular security assessments

However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Your Rights

Under Australian privacy law, you have the right to:

• Access your personal information
• Correct inaccurate or incomplete information
• Request deletion of your information (subject to legal requirements)
• Opt-out of marketing communications
• Lodge a complaint with the Office of the Australian Information Commissioner (OAIC)

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience, analyze website usage, and deliver personalized content. You can control cookies through your browser settings.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies.

9. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: