"We", "us" and "our" refer to JPak Advantage Pty Limited (ABN 32 137 772 831) trading as Mona Vale Finance (referred to as "Mona Vale Finance" hereafter), and our related businesses.
Mona Vale Finance is a Credit Representative (565996) of Finsure Finance & Insurance Pty Limited (ABN 72 068 153 926).
Mona Vale Finance operates as a sub-broker under Lifestyle Impressions Pty Limited (ABN 15 139 357 109) trading as Sandcastle Finance, a Credit Representative (456665) of Finsure Finance & Insurance Pty Limited (ABN 72 068 153 926).
At Mona Vale Finance, we understand that the details you provide us are private and personal. It is important that you feel secure whenever you deal with us. It is also important that you understand how we protect your privacy and how we may use your details. Our policies relating to personal information are designed to ensure that you are fully protected under Australian privacy laws.
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 law.
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 personal information we hold about you may also include credit information.
Credit information is information used to assess your eligibility to be provided with finance and may include any finance 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.
The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we may need to identify you.
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.
We collect personal information when you apply to assess your application for finance and to manage that finance. We may also collect your personal information for direct marketing and managing our relationship with you. From time to time we may offer you other products and services.
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. We may also disclose your personal information to any other organisation that may have, or is considering having, an interest in your finance, or in our business.
Where reasonable and practical we will collect your personal information directly from you. We may also collect your personal information from other finance brokers and other professionals such as accountants, real estate agents, and lawyers.
We may disclose your personal information:
to prospective funders or other intermediaries in relation to your finance requirements;
to other organisations that are involved in managing or administering your finances such as third-party suppliers, printing and postal services, and call centres;
to associated businesses that may want to market relevant products to you;
to companies that provide information and infrastructure systems to us;
to anybody who represents you, such as finance brokers, lawyers and accountants;
to anyone where you have provided us consent;
where we are required to do so by law, such as under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth);
to investors, agents or advisers, or any entity that has an interest in our business; or
to your employer, referees or identity verification services.
Before disclosing any of your personal information to another person or organisation, we will take all reasonable steps to satisfy ourselves that: (a) the person or organisation commits to protecting your personal information at least equal to our commitment, or (b) you have consented to us making the disclosure.
We may use cloud storage to store the personal information we hold about you. The cloud storage and the IT servers may be located outside Australia. We may disclose your personal information to overseas entities that provide support functions to us. You may obtain more information about these entities by contacting us.
From time to time we may use your personal information to provide you with current finance information, offers you may find of interest, changes to our organisation, or new products or services offered by us or any company with whom we are associated. If you do not wish to receive marketing information, you may at any time decline to receive it by contacting us at [email protected] 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 it at the earliest opportunity.
It is important to us that the personal information we hold about you is accurate and up to date. During our relationship with you, we may ask you to inform us if any of your personal information has changed. If you wish to make any changes, you may contact us. We will generally rely on you to ensure the information we hold about you is accurate and complete.
We will provide you with access to the personal information we hold about you. You may request access 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, we may respond immediately; otherwise we usually respond within seven 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 access, for example if the information relates to existing or anticipated legal proceedings, or if your request is vexatious. An explanation will be provided if we deny you access.
If any of the personal information we hold about you is incorrect, inaccurate or out of date, you may request that we correct it. If appropriate we will correct it. Where reasonable, and after our investigation, we will provide you with details about whether we have corrected the information within 30 days. If we refuse to correct personal information, we will provide you with our reasons.
If we collect government identifiers, such as your tax file number, we do not use or disclose this information other than as required by law. We will never use a government identifier to identify you.
In most circumstances it will be necessary for us to identify you to successfully do business with you. However, where it is lawful and practicable to do so, we will offer you the opportunity to do business with us without providing personal information, for example if you make general enquiries about interest rates or current offers.
We will only collect sensitive information about you with your consent. Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships of trade or professional associations or trade unions, sexual preferences, criminal record, or health.
We will take reasonable steps to protect your personal information by storing it in a secure environment. We may store your personal information in paper and electronic form. We will also take reasonable steps to protect any personal information from misuse, loss and unauthorised access, modification or disclosure.
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 us at [email protected]. We will acknowledge your complaint within seven days and provide a decision within 30 days.
If an issue has not been resolved to your satisfaction, you can complain to the Australian Financial Complaints Authority (AFCA), which provides fair and independent financial services complaint resolution that is free to consumers.
Website: www.afca.org.au
Email: [email protected]
Telephone: 1800 931 678 (free call)
In writing: Australian Financial Complaints Authority, GPO Box 3, Melbourne VIC 3001.
You may request further information about the way we manage your personal information by contacting us. We are constantly reviewing our policies and may change this privacy policy from time to time or as the need arises. You may request this privacy policy in an alternative form.
This Privacy Policy was last updated on 17 July 2026
MONA VALE FINANCE Not just a mortgage broker. An ex-banker in your corner.
JPak Advantage Pty Limited (ABN 32 137 772 831) trading as Mona Vale Finance; Credit Representative (565996) of Finsure Finance & Insurance Pty Limited (ABN 72 068 153 926). Sub-broker under Lifestyle Impressions Pty Limited (ABN 15 139 357 109) trading as Sandcastle Finance; Credit Representative (456665) of Finsure Finance & Insurance Pty Limited (ABN 72 068 153 926).
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