What personal and credit information we collect, why we need it, who we share it with, and how you can access it, correct it or complain.
Last updated: August 2026 · Applies to Salib and Co Pty Ltd, trading as Beyond
This policy explains how Salib and Co Pty Ltd (ABN 17 692 063 059), trading as Beyond, handles your personal information. It applies to everything we do as a provider of credit assistance, including enquiries, applications, and the ongoing management of a loan we have arranged.
We are bound by the Privacy Act 1988 (Cth) and the thirteen Australian Privacy Principles. Because we handle credit information, we are also bound by Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code.
The information we need depends on what you ask us to do. In a typical home loan matter it includes:
If you only browse this website, we do not collect information that identifies you. See section 12.
You are not obliged to give us any of this information. However, if you choose not to, we may be unable to assess your situation, recommend a suitable product, or submit an application on your behalf. In some cases we may be legally prevented from acting for you.
Wherever reasonably possible we collect information directly from you, in conversation, by email, through a form on this website, or in documents you provide.
We may also collect information about you from third parties, including credit reporting bodies, lenders and their mortgage insurers, your employer or accountant where you have authorised it, valuers, brokers or referrers who introduced you to us, publicly available sources, and our aggregator.
Where we collect information about you from someone else, we will take reasonable steps to make you aware of it.
We collect, hold, use and disclose your information in order to:
This section applies specifically to credit information and credit eligibility information, which receive additional protection under Part IIIA of the Privacy Act.
With your written consent, we or a lender may obtain a credit report about you from a credit reporting body. In Australia the main credit reporting bodies are Equifax, Experian and illion. Their own privacy policies, which explain how they handle your information, are available on their websites.
A lender may disclose information about you to a credit reporting body, including that you have applied for credit, the amount, and information about your repayment history or any default.
You have the right to ask a credit reporting body:
You may also request access to, or correction of, the credit information a credit reporting body holds about you. They must generally provide access free of charge once in any twelve month period.
We may disclose your information to:
We do not sell your personal information to anyone.
Some of the service providers we use, particularly cloud software and data storage providers, may store or process information outside Australia. Where that occurs, it is typically in the United States, the European Union, New Zealand or Singapore.
Before disclosing information to an overseas recipient we take reasonable steps to ensure they handle it consistently with the Australian Privacy Principles. A current list of the countries in which our providers store data is available on request.
We may contact you about your loan, about rate reviews, and about services we think are relevant to you. You can opt out of marketing communications at any time by replying to any message, using the unsubscribe link, or contacting us directly.
Opting out of marketing does not stop communications about an active application or loan, which we are obliged to send. We do not use sensitive information for direct marketing, and we do not use credit eligibility information for direct marketing.
We hold your information in secure electronic systems, and in paper files where relevant. We take reasonable steps to protect it from misuse, interference, loss, and unauthorised access, modification or disclosure. Those steps include access controls, encrypted storage and transmission, confidentiality obligations on our staff, and vetting of the providers we use.
No system is completely secure. If you believe your information has been compromised, contact us immediately.
If a data breach occurs that is likely to result in serious harm to you, we will notify you and the Office of the Australian Information Commissioner as required under the Notifiable Data Breaches scheme.
We retain your information for as long as necessary to provide our services and to meet our legal obligations. Credit legislation generally requires records to be kept for at least seven years after a matter concludes, and anti-money laundering law imposes similar requirements. When information is no longer required and we are not obliged to keep it, we take reasonable steps to destroy or de-identify it.
You can browse this website without telling us who you are. Our web host records standard server information, such as IP addresses and pages visited, for security and operational purposes.
The calculators on this site run entirely in your browser. The figures you enter are not transmitted to us, recorded or stored.
If we use analytics or cookies, they are used to understand general usage patterns rather than to identify you. You can block or delete cookies through your browser settings, though some parts of the site may not work as intended.
We do not use government identifiers, such as a tax file number or Medicare number, as our own means of identifying you. Where a document containing such an identifier is provided to us, we handle it only for the purpose for which it was given.
You may request access to the personal information we hold about you, and ask us to correct it if it is inaccurate, out of date, incomplete, irrelevant or misleading.
Write to us using the details in section 16. We will require proof of identity. We will respond within 30 days. Access is generally free, though we may charge a reasonable fee for the cost of retrieving and providing extensive records. If we refuse access or a correction, we will explain why in writing and how you can complain.
If you believe we have mishandled your personal or credit information, please tell us first. Contact details are in section 16.
We will acknowledge your complaint promptly and respond within 30 days. If we need longer, we will tell you why.
If you are not satisfied with our response, you can take the matter to either of the following, free of charge:
See also our complaints page.
Privacy Officer, Salib and Co Pty Ltd, trading as Beyond
Telephone: 0480 090 279
Email: josh@beyondpartners.com.au
We may update this policy from time to time to reflect changes in our practices or in the law. The current version is always the one published on this page, with the date of the last update shown at the top.