Our obligations to you, plainly stated. Charter Finance Institute Pty Ltd holds Australian Credit Licence 384875 and is a member of the Australian Financial Complaints Authority. We operate under the Australian Privacy Principles.
Charter Finance Institute Pty Ltd, ABN 42 145 381 120, Australian Credit Licence 384875, AFCA Member 43848.
"We", "us" and "our" refer to Charter Finance Institute Pty Ltd ABN 42 145 381 120, Australian Credit Licence 384875, trading as Charter Finance and our related entities.
Charter Finance is committed to protecting the privacy and confidentiality of personal information. We manage personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable. The types of personal information we may collect include:
We may collect credit information to assess your eligibility for finance. This may include credit reports, repayment history information, and credit applications. We may exchange this information with credit reporting bodies including Equifax, Experian and illion.
We collect personal information to:
We collect personal information directly from you when you complete forms, contact us, submit enquiries through our website or subscribe to communications. We may also receive information from third parties where you have authorised them to share it with us, such as your accountant, financial planner, conveyancer, or a referrer.
To comply with Australian anti-money laundering and counter-terrorism financing laws, we may verify your identity using identification documents such as driver's licences, passports, or government-issued identification.
We may use electronic identity verification services and may disclose information to regulatory authorities where required by law.
We may disclose personal information to:
Charter Finance employs team members who work from overseas, currently in Nepal and the Philippines. As part of their roles, these team members may access personal information that we hold in our business systems. This access supports our day to day operations, including administration, processing, and client service.
Our overseas team members are Charter Finance personnel, bound by the same confidentiality and privacy obligations as our Australian based staff. Access is limited to what each role requires.
Your personal information is held within our business systems, including our Google Workspace environment (Gmail, Drive, and Calendar). Google stores data across its global infrastructure, which means some information may be held on servers located outside Australia. Where we disclose or allow access to personal information overseas, we take reasonable steps to ensure it is handled consistently with the Australian Privacy Principles.
When you visit our website we may collect technical information such as your IP address, browser type, pages viewed, and referring URLs. We use Google Analytics and Meta (Facebook) Pixel to analyse website traffic and improve our services. You may opt out of analytics tracking via our cookie consent settings. See our Cookie Policy for full detail.
We retain personal information for as long as necessary to provide our services and meet our legal obligations. Credit and financial information is typically retained for seven years in accordance with credit reporting regulations.
If a data breach occurs that is likely to result in serious harm, we will notify affected individuals and the Office of the Australian Information Commissioner in accordance with the Notifiable Data Breaches scheme under the Privacy Act 1988 (Cth).
You have the right to request access to your personal information and to request corrections. To make a request, contact us at mywealth@charterfinance.com.au. We will respond within 30 days.
If you have a concern about how we have handled your personal information, please contact us in the first instance. If you remain unsatisfied you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by calling 1300 363 992.
We may update this Privacy Policy from time to time. The current version is always available at charterfinance.com.au/legal/. Continued use of our services following any update constitutes acceptance of the revised policy.
Privacy enquiries
Charter Finance Institute Pty Ltd
Suite 11 / 409 New South Head Road, Double Bay NSW 2028
Email: mywealth@charterfinance.com.au
Phone: 1800 455 118
How Charter Finance protects your information across the website and client portal.
Charter Finance recognises that clients share highly sensitive financial information when seeking finance or financial advice. Protecting this information is fundamental to our operations.
Our data protection approach includes:
Access to the Charter Finance client portal is invite-only. Accounts are created by Charter Finance following client onboarding. There is no self-registration. The portal enforces the following security standards:
Documents you upload to the client portal are stored within the WordPress media library, segregated per user. Access is restricted to you and authorised Charter Finance staff, and these files are not made publicly accessible.
In the course of our work, we also hold client information within our business systems, including our Google Workspace environment (Gmail, Drive, and Calendar). We use these systems for correspondence, working files, and scheduling. Google applies its own security controls to this environment, and access on our side is limited to authorised Charter Finance staff.
Some of our team members work from overseas, currently in Nepal and the Philippines. They are Charter Finance personnel and may access client information held in our business systems as part of their roles. They are bound by the same confidentiality and privacy obligations as our Australian based staff.
Because we use Google Workspace, some information may be stored on servers located outside Australia. We take reasonable steps to ensure personal information accessed or held overseas is treated consistently with the Australian Privacy Principles. For full detail, see our Privacy Policy.
Our website uses Google Analytics and Meta (Facebook) Pixel to analyse visitor behaviour. These technologies use cookies. You may accept or decline non-essential cookies when you first visit the site, and update your preferences at any time via our cookie settings. See our Cookie Policy for full detail.
We use trusted third-party providers in delivering our services. These include CRM providers, identity verification services, and Google Workspace for email, file storage, and calendar. All third-party providers are required to handle data in accordance with their own security and privacy obligations, and we take reasonable steps to ensure personal information is protected.
In the event of a data breach that is likely to result in serious harm, Charter Finance will notify affected individuals and the Office of the Australian Information Commissioner in accordance with the Notifiable Data Breaches scheme under the Privacy Act 1988 (Cth).
Data and security enquiries
Charter Finance Institute Pty Ltd
Email: mywealth@charterfinance.com.au
Phone: 1800 455 118
Important information about the nature of content on charterfinance.com.au.
The information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. Before acting on any information contained on this website you should consider whether it is appropriate for your circumstances and seek professional advice if necessary.
Nothing on this website constitutes financial product advice, credit advice, or a recommendation to acquire any financial product. Charter Finance Institute Pty Ltd holds Australian Credit Licence 384875 and is authorised to provide credit assistance. Any credit assistance is provided subject to a full assessment of your individual circumstances.
Credit Warning: Any credit assessment on this website is general in nature. Credit products may not be suitable for everyone. We recommend you read the relevant Product Disclosure Statement or credit contract before making any decision and seek independent legal and financial advice if required.
Calculators and tools on this website are provided for illustrative and educational purposes only. Results are estimates based on inputs you provide and assumptions built into the tool. They do not account for your full financial situation and should not be relied upon as a substitute for professional financial or credit advice.
While Charter Finance takes reasonable care to ensure the accuracy of information on this website, we make no warranty, express or implied, regarding its completeness, accuracy, or currency. Interest rates, fees, and product information may change without notice. Always confirm current details directly with the relevant lender or institution.
This website may contain links to third-party websites. Charter Finance is not responsible for the content, accuracy, or privacy practices of those websites. The inclusion of a link does not constitute an endorsement.
All content on this website, including text, images, calculators, brand assets, and the Financial Wholeness Journey™ and Financial Wholeness Index™ methodologies, is the intellectual property of Charter Finance Institute Pty Ltd. Reproduction without written permission is prohibited.
To the extent permitted by law, Charter Finance Institute Pty Ltd excludes all liability for any loss or damage arising from use of, or reliance on, information on this website, including indirect, consequential, or special loss.
Terms governing access to and use of charterfinance.com.au and the Charter Finance client portal.
By accessing this website you agree that the content is for informational purposes only and must not be reproduced without written permission. Charter Finance may update website content or these terms at any time without notice. Continued use of the website following any update constitutes acceptance of the revised terms.
You may access and use this website for lawful personal and professional purposes. You must not:
Access to the Charter Finance client portal is by invitation only. Portal accounts are created by Charter Finance and are personal to you. You must not share your login credentials. Charter Finance reserves the right to suspend or terminate portal access at any time.
All content on this website, including the Financial Wholeness Journey™, Financial Wholeness Index™, and all calculators and tools, is the intellectual property of Charter Finance Institute Pty Ltd. Trademarks are registered or pending registration. Unauthorised use is prohibited.
When submitting an enquiry or calculator form on this website, you consent to Charter Finance collecting and using your personal information in accordance with our Privacy Policy. Each form includes the following consent statement:
These Terms of Use are governed by the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales.
Charter Finance reserves the right to modify these terms at any time. The current version is always available at charterfinance.com.au/legal/. We recommend reviewing these terms periodically.
Copyright, trademarks, and other legal information relating to charterfinance.com.au.
All content on this website, including text, graphics, images, logos, videos, calculators, downloadable resources, and the design and layout of the site, is the copyright of Charter Finance Institute Pty Ltd or its licensors. The content is protected by the Copyright Act 1968 (Cth) and applicable international copyright laws.
You may view and print pages from the site for your own personal, non-commercial use. You may not otherwise reproduce, copy, distribute, publish, modify, transmit, or commercially exploit any content from this website without our prior written permission.
The Charter Finance name, the Charter Finance logo, Financial Wholeness Journey™, and Financial Wholeness Index™ are trademarks of Charter Finance Institute Pty Ltd. All other product names, company names, or logos appearing on this website are the property of their respective owners.
You may not use any Charter Finance trademark without our prior written consent. Unauthorised use may constitute an infringement of our intellectual property rights.
You may use this website for lawful purposes only. You may:
You may not:
This website may include content, calculators, articles, or quoted material provided by third parties, and may link to third-party websites. Where third-party content appears on our site, ownership remains with the original author or rights holder, and use is subject to their terms.
We provide links to third-party websites for convenience only. Charter Finance does not endorse, control, or accept responsibility for the content, accuracy, security, or privacy practices of any linked site. Accessing a third-party website from our site is at your own risk.
Information on this website is general in nature and is not a substitute for professional credit, financial, taxation, or legal advice. You should not rely on any content from this website as a basis for making a financial decision. Always seek advice from a qualified adviser who can consider your individual circumstances.
To the extent permitted by law, Charter Finance Institute Pty Ltd and its directors, officers, employees, and agents exclude all liability for any loss or damage (whether direct, indirect, consequential, or special) arising from your use of, or reliance on, this website or any content on it. Nothing in this notice limits any consumer guarantees or rights that cannot be excluded under the Australian Consumer Law or other applicable law.
These Legal Notices and your use of charterfinance.com.au are governed by the laws of New South Wales, Australia. You submit to the non-exclusive jurisdiction of the courts of New South Wales and any courts that may hear appeals from those courts, for any dispute arising out of or in connection with the website or its content.
If any provision of these Legal Notices is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect.
Charter Finance may update these Legal Notices from time to time. The current version is always available on this page. Continued use of the website following any update constitutes acceptance of the revised notices.
Legal enquiries
Charter Finance Institute Pty Ltd
Suite 11 / 409 New South Head Road, Double Bay NSW 2028
Email: mywealth@charterfinance.com.au
Phone: 1800 455 118
How to raise a concern, and what happens next.
Charter Finance is committed to resolving complaints fairly, promptly, and transparently. If you have a concern about our services, please contact us directly so we can work to resolve the matter.
In the first instance, please raise your concern directly with our team. We will acknowledge your complaint within 2 business days and aim to resolve it within 30 days.
Charter Finance Institute Pty Ltd
Suite 11 / 409 New South Head Road, Double Bay NSW 2028
Phone: 1800 455 118
If you are not satisfied with our response, you may escalate your complaint to an external dispute resolution body. Charter Finance is a member of the Australian Financial Complaints Authority (AFCA), Member 43848.
Australian Financial Complaints Authority (AFCA)
For complaints about credit, finance, or general financial services.
Phone: 1800 931 678
Web: www.afca.org.au
Post: GPO Box 3, Melbourne VIC 3001
Office of the Australian Information Commissioner (OAIC)
For complaints about privacy and handling of personal information.
Phone: 1300 363 992
Web: www.oaic.gov.au
Australian Securities and Investments Commission (ASIC)
For concerns about the conduct of a credit licensee.
Web: www.asic.gov.au