Brilliant Finance Solutions

EFFECTIVE 9 MAY 2026

Privacy Policy

LAST REVIEWED 9 MAY 2026 · NEXT REVIEW 9 MAY 2027

1. Purpose of this Policy

This Privacy Policy explains how Brilliant Finance Solutions Pty Ltd ATF JJSD Family Trust (ABN 95 895 154 224, “we”, “us”, “our”) collects, uses, stores, and discloses your personal information. We are a credit representative (Credit Representative Number 498730) of BLSSA Pty Ltd (ACN 117 651 760, Australian Credit Licence 391237). Our principal mortgage broker is Wu Sun (Credit Representative Number 490418, FBAA Member M-333308), who trades as William Sun.

We are committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This Policy applies whenever you interact with us, whether through our website at brilliantfs.com.au, by phone, email, or in person.

2. What kinds of personal information we collect

Depending on the services you request, we may collect the following types of information:

  • Identity and contact information — your full name, date of birth, residential address, email address, and phone number
  • Financial and employment information — income details, employment history, assets, liabilities, expenses, existing loan and credit card details
  • Loan and property information — property details, purchase price, borrowing amount, loan purpose, and investment objectives
  • Credit information — credit history and credit-related information obtained from credit reporting bodies (only with your explicit consent)
  • Identification documents — drivers licence, passport, or other government-issued identification (for verification and anti-money laundering compliance)
  • Sensitive information — we generally do not collect sensitive information such as health records, but may do so if you voluntarily provide it in the context of a hardship application or similar circumstance

3. How we collect personal information

We collect personal information in the following ways:

  • Directly from you — when you fill out our online enquiry form, use our calculators, contact us by phone or email, or meet with us in person
  • From your authorised representatives — such as your accountant, conveyancer, solicitor, or financial planner, where you have given us authority to speak with them
  • From lenders and credit providers — during the loan application and assessment process, with your consent
  • From credit reporting bodies — including Equifax, Illion, and Experian, but only after we have obtained your written consent to perform a credit check
  • From publicly available sources — such as the Australian Securities and Investments Commission (ASIC) register or property records, where relevant to our services

4. How we use and disclose your information

We use your personal information for the following purposes:

  • To respond to your enquiries and provide you with information about our services
  • To assess your financial situation and provide mortgage broking advice that meets your needs and objectives
  • To prepare, submit, and manage loan applications with lenders you authorise us to approach
  • To meet our compliance and audit obligations under the National Consumer Credit Protection Act 2009 (Cth), including the Best Interests Duty
  • To facilitate compliance reviews by our licensee BLSSA Pty Ltd and our aggregator LMG
  • To provide ongoing client services such as annual loan reviews and refinance assessments
  • To verify your identity and comply with anti-money laundering and counter-terrorism financing laws
  • To communicate with you about changes to this Policy or our services

We may disclose your personal information to:

  • BLSSA Pty Ltd (ACN 117 651 760, ACL 391237) — our licensee, for compliance oversight and audit purposes
  • LMG (Loan Market Group) — our aggregator, for compliance, lending platform access, and settlement support
  • Lenders and financial institutions — that you authorise us to approach for loan products
  • Credit reporting bodies — only with your prior written consent
  • Government and regulatory bodies — where required or authorised by law, including ASIC, AFCA, AUSTRAC, and the ATO
  • Professional advisers — such as your accountant, conveyancer, or solicitor, where you have authorised us to do so
  • Technology and service providers — who assist us in operating our business, under strict contractual obligations to protect your information

We do not sell, trade, or rent your personal information to third parties for marketing purposes. We do not use behavioural advertising pixels or share data with social media platforms for advertising.

5. Storage and security of your information

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. Our security measures include:

  • Secure, encrypted data transmission using HTTPS and TLS 1.3 on all web forms and communications
  • Data stored on encrypted-at-rest infrastructure including Cloudflare R2 and Google Workspace
  • Access restricted to authorised personnel only — principally William Sun and, for compliance purposes, BLSSA’s named compliance officers
  • Strict confidentiality obligations on all staff, contractors, and third-party service providers

We retain your personal information for as long as necessary to provide our services and to meet our legal and regulatory obligations. Under the National Consumer Credit Protection Act 2009, we are required to maintain certain records for a period of 7 years from the end of our advice relationship with you. When information is no longer needed, we destroy or de-identify it securely.

6. Access to and correction of your information

You have the right under the Australian Privacy Principles to request access to the personal information we hold about you (APP 12) and to request correction of any information that is inaccurate, out of date, incomplete, irrelevant, or misleading (APP 13).

To request access or correction, please contact our Privacy Officer using the details in section 9 below. We will respond to your request within a reasonable period and, where practicable, provide access in the manner you request. We may charge a reasonable fee for providing access, but will advise you of any fee before proceeding.

In some circumstances, we may decline a request for access or correction in accordance with the Privacy Act. If we do so, we will provide you with a written explanation.

7. Overseas recipients

Your personal information is primarily stored and processed in Australia on Australian-hosted infrastructure. However, some lenders and service providers we work with may process information using systems located outside Australia, including in New Zealand, Singapore, the United Kingdom, and the United States. Where this occurs, we take reasonable steps to ensure that any overseas recipient handles your information in a manner consistent with the Australian Privacy Principles, including through contractual arrangements.

By providing your personal information to us, you consent to the disclosure of your information to overseas recipients as described above. If you have any concerns about overseas disclosure, please contact our Privacy Officer.

8. Complaints about a breach of privacy

If you believe we have breached your privacy or the Australian Privacy Principles, you may lodge a complaint. Our complaints process is as follows:

  1. Contact us first. Please contact our Privacy Officer in writing. We will acknowledge receipt within 1 business day and aim to resolve your complaint within 30 calendar days. We will keep you informed of progress throughout the process.
  2. If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC):
    • Phone: 1300 363 992
    • Website: oaic.gov.au
    • Post: GPO Box 5218, Sydney NSW 2001
  3. Alternatively, you may also refer your complaint to the Australian Financial Complaints Authority (AFCA), which handles privacy-related complaints in the financial services sector:

You can find more detail about our internal complaints handling process on our Complaints page.

9. Our Privacy Officer

If you have any questions about this Privacy Policy, wish to access or correct your personal information, or wish to make a complaint, please contact our Privacy Officer:

Privacy Officer
William Sun
Brilliant Finance Solutions Pty Ltd ATF JJSD Family Trust
ABN 95 895 154 224
Phone: +61 426 263 391
Email: william@brilliantfs.com.au
Website: brilliantfs.com.au

10. Complaints

If you wish to make a complaint about how we have handled your personal information, please refer to our internal complaints handling process described on our Complaints page. We take all privacy complaints seriously and will respond in accordance with the timeframes set out in that process.

11. Updates to this Policy

We review this Privacy Policy at least annually to ensure it remains current and compliant with applicable privacy laws. The most recent review was completed on 9 May 2026. The next scheduled review is 9 May 2027.

Any changes to this Policy will be published on this page. We encourage you to check this page periodically for updates.

12. Contact

If you have any questions, concerns, or requests relating to this Privacy Policy or our handling of your personal information, please contact our Privacy Officer:

Privacy Officer
William Sun
Brilliant Finance Solutions Pty Ltd ATF JJSD Family Trust
ABN 95 895 154 224
Phone: +61 426 263 391
Email: william@brilliantfs.com.au
Website: brilliantfs.com.au