Cookies Policy
Cookies Policy
Finconnex Financial Services — How we use cookies and tracking technologies
This Cookies Policy explains how Finconnex Financial Services ABN 55 631 242 727, Credit Representative No. 507412 (we, us, our) uses cookies and similar tracking technologies on our website and digital platforms, including our client portal, loan application interfaces, and any associated online services (collectively, our Digital Services).
We are committed to protecting the privacy and confidentiality of personal and financial information entrusted to us by our clients, prospective clients, and website visitors. This Policy forms part of our broader privacy framework and should be read in conjunction with our Privacy Policy, which governs the collection, use, storage, and disclosure of personal information in accordance with the Privacy Act 1988 (Cth) (Privacy Act) and the Australian Privacy Principles (APPs).
By continuing to use our Digital Services, you acknowledge that you have read and understood this Policy. Where we offer a cookie consent mechanism on our website, your specific choices will govern which non-essential cookies are activated during your session.
We deploy cookies across the following functional categories. The table below provides a summary of each category, its intended duration, and its primary operational purpose within our Digital Services.
| Cookie Category | Duration Type | Purpose |
|---|---|---|
| Essential / Strictly Necessary | Persistent & Session | Required to operate core website functions, secure client portal access, loan application workflows, and document management systems. Cannot be disabled without impairing service delivery. |
| Performance & Analytics | Session & Persistent | Collect anonymised data on website traffic, page load times, user navigation paths, and feature utilisation to optimise service performance and user experience. |
| Functionality | Persistent | Remember user preferences, language settings, and session continuity to provide a personalised and efficient experience across return visits. |
| Advertising & Remarketing | Persistent (third-party) | Enable targeted advertising on external platforms and measure the effectiveness of marketing campaigns directed to users who have previously engaged with our website. |
| CRM & Marketing Automation | Persistent (third-party) | Support lead tracking, client engagement scoring, and automated communication workflows through integrated CRM and marketing platforms. |
Detailed information regarding specific cookies, including their names, providers, durations, and data points collected, is available upon request. Please refer to Section 8 (Contact Information) to submit an enquiry.
Our use of cookies is tailored to the specific operational requirements of a licensed mortgage broking and financial services business. The following subsections describe our cookie practices across the key functional domains of our Digital Services.
The delivery of mortgage broking services inherently involves the collection, processing, and transmission of sensitive financial and personal information. Cookies play a critical operational role in supporting the integrity and security of these activities, including:
- Secure Client Portal Access: maintaining authenticated login sessions within our client portal to protect access to personal financial information, loan application data, and uploaded documents;
- Loan Application Continuity: preserving the state of multi-step online loan application forms so that partially completed applications are retained when a user navigates between pages or resumes a session;
- Document Collection Workflows: supporting identity verification, document upload, and e-signature processes embedded within our application environment;
- Serviceability and Product Comparisons: retaining user inputs such as income details, loan purpose, and repayment preferences within a session to enable accurate comparison of lending products and serviceability assessments; and
- Fraud Detection and Security: identifying unusual access patterns, flagging potentially fraudulent session activity, and supporting multi-factor authentication flows.
These cookies are operationally essential and cannot be disabled without materially impairing the delivery of mortgage broking services through our Digital Services.
We use performance and analytics cookies to understand how visitors interact with our website and to identify opportunities to improve the quality, speed, and usability of our Digital Services. Specifically, these cookies enable us to:
- measure page load times, server response performance, and content delivery metrics;
- identify high-traffic landing pages and pages with elevated bounce rates;
- analyse user navigation paths and identify points of drop-off within application or enquiry workflows;
- aggregate and report on user behaviour data in an anonymised or pseudonymised form; and
- conduct A/B testing and multivariate testing to evaluate website improvements.
Where analytics data is collected by third-party platforms (such as Google Analytics 4), we configure those services to apply IP address anonymisation and data minimisation settings consistent with our obligations under the Privacy Act and our contractual arrangements with those providers.
We operate integrated Customer Relationship Management (CRM) and marketing automation platforms — including Zoho One, Go High Level, Infinity CRM, and our proprietary internal CRM system — to manage client relationships, track enquiry and application pipelines, and deliver timely, relevant communications to current and prospective clients. Cookies support these functions by:
- assigning unique identifiers to website visitors to enable continuity of engagement tracking across sessions;
- recording the source of a visitor's initial interaction with our website (e.g., from a search engine, a digital advertisement, or a referral partner) for attribution and pipeline reporting purposes;
- triggering automated communication sequences based on defined engagement milestones, such as a completed enquiry form or a downloaded resource;
- enabling lead scoring and pipeline prioritisation within our CRM system based on behavioural engagement data; and
- synchronising data between our website, CRM platform, and email marketing tools to ensure a consistent and personalised client experience.
All data collected through CRM and marketing automation cookies is handled in accordance with our Privacy Policy and is not sold or disclosed to third parties for their own commercial purposes.
We engage in targeted digital marketing activities to promote our mortgage broking and financial services to audiences who have expressed interest in related products or services. Advertising and remarketing cookies support these activities by:
- recording whether a user has previously visited specific pages of our website (such as home loan calculators, product comparison pages, or the contact page) to enable the delivery of relevant advertisements on third-party platforms;
- building custom audience segments based on aggregated, anonymised behavioural data for use in paid advertising campaigns on platforms including Google Ads, Meta Ads Manager, and LinkedIn Campaign Manager;
- measuring advertising campaign performance including impressions, click-through rates, and conversion events;
- limiting the frequency with which a particular advertisement is shown to any individual user (frequency capping); and
- attributing conversions (such as enquiry form submissions or booked appointments) back to specific advertising campaigns to evaluate return on investment.
We do not use advertising cookies to profile users on the basis of their financial circumstances, credit history, or other sensitive personal attributes as defined under the Privacy Act. All remarketing activities are conducted in compliance with applicable Australian advertising standards and platform-specific data use policies.
Our Digital Services integrate with a number of third-party platforms and technology providers who may set their own cookies on your device. These platforms include, but are not limited to, Zoho One, Go High Level, Infinity CRM, Trello, Google Analytics, Google Ads, Meta Pixel, and LinkedIn Insight Tag. Third-party cookies are governed by the respective provider's privacy policy and terms of service. We do not control the operation of third-party cookies and are not responsible for the data practices of third-party providers beyond our contractual obligations with them.
The following table identifies the principal third-party providers whose cookies or tracking technologies may be active on our Digital Services:
| Provider / Tool | Category | Primary Purpose | Privacy Reference |
|---|---|---|---|
| Google Analytics (GA4) | Analytics & Performance | Website traffic analysis, user behaviour tracking, page performance measurement, and conversion reporting | policies.google.com/privacy |
| Google Ads / Tag Manager | Advertising & Remarketing | Ad campaign measurement, conversion tracking, and audience list building for paid search campaigns | policies.google.com/privacy |
| Meta Pixel (Facebook / Instagram) | Advertising & Remarketing | Social media ad performance tracking, lead attribution, and custom audience targeting | www.facebook.com/privacy |
| LinkedIn Insight Tag | Advertising & Remarketing | Professional audience targeting and B2B campaign performance measurement | www.linkedin.com/legal/privacy-policy |
| Zoho One | CRM, Automation & Operations | Integrated suite covering CRM, email marketing, lead management, workflow automation, and client communication across the full mortgage broking lifecycle | www.zoho.com/privacy.html |
| Go High Level | CRM & Marketing Automation | Lead pipeline management, automated follow-up sequences, appointment booking, SMS/email campaigns, and conversion funnel tracking | www.gohighlevel.com/privacy-policy |
| Infinity CRM | CRM & Client Management | Client relationship tracking, loan pipeline management, task management, and engagement history logging | Refer to vendor privacy policy |
| Trello | Project & Task Management | Internal workflow tracking, document checklists, loan processing task boards, and team collaboration | www.atlassian.com/legal/privacy-policy |
| Company Internal CRM | Proprietary Client Management | Internally developed client data management, loan application tracking, document storage, and status workflows — operated exclusively within Finconnex's secured environment | Governed by this Privacy Policy |
This table is indicative and subject to change as our technology stack evolves. We will update this Policy to reflect material changes to our third-party cookie arrangements.
Users wishing to opt out of specific third-party tracking may do so directly through each provider's opt-out mechanism, or through the industry opt-out tools described in Section 5 below.
We respect your right to make informed choices about the cookies that are placed on your device. This section outlines the mechanisms available to you to control or restrict cookie usage.
As a licensed mortgage broker and financial services provider, we are acutely aware of our obligation to protect the personal and financial information of our clients. Our use of cookies is embedded within a comprehensive information security and privacy governance framework that includes the following measures.
We review this Cookies Policy periodically and may update it from time to time to reflect changes in our technology stack, business operations, regulatory requirements, or industry best practices. Updates may also be made in response to guidance issued by the Office of the Australian Information Commissioner (OAIC) or changes to the Privacy Act arising from legislative reform.
When we make material changes to this Policy, we will take reasonable steps to notify affected users, which may include:
- displaying a prominent notice on our website homepage or within our cookie consent banner;
- updating the "Effective Date" and "Last Reviewed" fields at the top of this Policy; and
- where we hold your contact details and the change is material to your rights or our processing activities, sending a direct notification by email.
We encourage you to review this Policy periodically to remain informed of our cookie practices. Your continued use of our Digital Services following the publication of an updated Policy will be taken as your acknowledgment of the changes. Where your consent is required under applicable law or our consent management framework, we will seek renewed consent for any materially changed processing activities.
If you have any questions, concerns, or requests relating to this Cookies Policy or our broader privacy practices — including requests to access or correct personal information we hold about you — please contact our Privacy Officer using the details below:
Privacy Officer — Finconnex Financial Services
Response Timeframe: We will acknowledge your enquiry within 5 business days and aim to resolve all privacy-related requests within 30 days.
If you are not satisfied with our response to a privacy complaint, you have the right to submit a formal complaint through our Complaints and Feedback Form, available on our website at www.finconnex.com.au. We take all complaints seriously and will acknowledge your submission within 5 business days.
If you remain unsatisfied following our internal review, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC):
- Website: www.oaic.gov.au
- Telephone: 1300 363 992
- Post: GPO Box 5218, Sydney NSW 2001
This policy is issued by Finconnex Financial Services ABN 55 631 242 727 | Credit Representative No. 507412
This document is intended for public distribution on the corporate website. © 2025 Finconnex Financial Services. All rights reserved.