Privacy Policy

MVS Tax and Loan Solutions ("we", "us", or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By using our website or services, you consent to the practices described in this policy.

1. What Personal Information We Collect

We may collect the following types of personal information:

• Identity information: full name, date of birth
• Contact information: email address, phone number, postal address
• Financial information: income details, employment information, loan and tax-related data provided through our fact-find forms
• Appointment information: booking dates, times, and service type
• Technical information: IP address, browser type, and pages visited (collected automatically via server logs)

2. How We Collect Personal Information

We collect personal information:

• Directly from you when you complete a contact form, book an appointment, or use our client portal
• When you communicate with us by phone, email, or in person
• Automatically when you visit our website (technical/usage data only)

3. Why We Collect and Use Your Information

We collect and use your personal information to:

• Provide tax accounting and mortgage/finance broker services
• Schedule and manage appointments
• Communicate with you about your enquiries and services
• Comply with legal and regulatory obligations (including obligations under the Tax Agent Services Act 2009 and the National Consumer Credit Protection Act 2009)
• Improve our website and services

We will not use your personal information for any purpose that is unrelated to the above without your consent.

4. Disclosure of Personal Information

We may disclose your personal information to:

• Third-party service providers who assist us in delivering our services (e.g. lenders, credit providers, the Australian Taxation Office)
• Professional advisers such as accountants, lawyers, or auditors
• Regulatory bodies where required by law

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

5. Storage and Security

Your personal information is stored securely on encrypted servers. We take reasonable steps to protect your information from misuse, interference, loss, and unauthorised access, modification, or disclosure.

Our client portal uses one-time password (OTP) authentication and session tokens with a 7-day expiry to protect your account.

6. Access and Correction

You have the right to request access to the personal information we hold about you, and to request corrections if it is inaccurate, out of date, or incomplete. To make a request, please contact us using the details below.

We will respond to your request within 30 days. In some circumstances we may be unable to provide access (for example, where it would unreasonably impact the privacy of another individual), and we will explain why.

7. Complaints

If you believe we have breached the Australian Privacy Principles, you may lodge a complaint with us in writing. We will investigate and respond within 30 days.

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

8. Cookies and Tracking

Our website may use cookies and similar technologies to improve your browsing experience and analyse site traffic. You can disable cookies in your browser settings, though some features of the site may not function correctly as a result.

9. Links to Third-Party Sites

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

10. Changes to This Policy

We may update this Privacy Policy from time to time. The current version will always be available on this page with the date it was last updated.

11. Contact Us

For any privacy-related enquiries, requests, or complaints, please contact us:

• Website: mvstaxandloans.com.au/contact