Privacy Policy

Montoya Roe is a financial brokerage and development platform focused on structuring, funding, and delivering high-value projects across property, infrastructure, and international markets. We are committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) (Privacy Act) and the 13 Australian Privacy Principles (APPs).

This Privacy Policy explains how we collect, hold, use, and disclose personal information about our clients, prospective clients, and other individuals we interact with in the course of providing finance broking, project structuring, development finance, and related services.

1. What personal information do we collect?

We collect personal information that is reasonably necessary for our functions and activities as a finance broker and project development facilitator. This may include:

Identity and contact information: Name, date of birth, address, email, phone numbers, and government identifiers (where required, such as for credit or financial services).
Financial information: Income details, employment information, bank account details, tax file number (TFN) or tax residency status, assets, liabilities, credit history, and proof of earnings/expenses.
Project and service-related information: Details about your property, land development intentions, investment goals, project participation, and related documentation.
Sensitive information (where relevant and with consent): Information relating to health (if relevant to financial capacity), criminal records (for compliance), or other sensitive categories only as permitted under the APPs.
Technical and website data: IP address, device information, and usage data when you interact with our website or platforms.

We primarily collect this information directly from you, but may also obtain it from third parties such as credit reporting bodies, referees, professional advisers, or service providers (with your consent or as permitted by law).

2. Why do we collect, hold, use, and disclose your personal information?

We collect, use, and disclose your personal information for purposes including:

Assessing and providing finance broking, credit assistance, project structuring, funding, and development services.
Processing applications, performing credit checks, and managing client relationships.
Communicating with you about services, opportunities, updates, and administrative matters.
Complying with legal and regulatory obligations (e.g., anti-money laundering, financial services laws, and reporting requirements).
Improving our services, conducting internal analysis, and managing risk.
Direct marketing (with your consent or where permitted), such as informing you of relevant investment or development opportunities. You can opt out at any time.

We will only use or disclose your information for the primary purpose for which it was collected, a related secondary purpose you would reasonably expect, or as required/authorized by law.

3. How do we collect and hold your personal information?

We collect information directly from you (in person, by phone, email, online forms, or applications) or indirectly from third parties where lawful.

We hold personal information securely in electronic and (where applicable) paper form, using reasonable safeguards against misuse, interference, loss, unauthorized access, modification, or disclosure. This includes secure servers, access controls, and encryption where appropriate. Some information may be stored or processed by third-party service providers (including cloud services) in Australia or overseas.

4. Disclosure of personal information

We may disclose your personal information to:

Lenders, aggregators, investors, joint venture partners, or other parties involved in project funding and development.
Service providers (e.g., legal advisers, accountants, IT providers, credit reporting bodies).
Regulatory bodies or government agencies as required by law (e.g., ASIC, ATO).
Professional advisers or parties in connection with a business sale or transfer.

Before disclosing overseas, we take reasonable steps to ensure the recipient complies with standards substantially similar to the APPs or obtain your consent.

5. Direct marketing

We may use your contact details for direct marketing of our services and relevant opportunities. You can opt out at any time by contacting us (details below). We will honor opt-out requests promptly and without charge.

6. Access and correction of your personal information

You have the right to request access to the personal information we hold about you and to request corrections if it is inaccurate, incomplete, or outdated (APPs 12 and 13).

To make a request:

Email or write to us with sufficient identification.
We will respond within a reasonable time (usually 30 days) and may charge a reasonable fee for access (but not for correction).

If we refuse access or correction, we will provide reasons and information about how you can complain.

7. Complaints

If you have a complaint about how we have handled your personal information, please contact us using the details below. We will acknowledge your complaint promptly, investigate it, and aim to resolve it within 30 days.

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

8. Notifiable Data Breaches

We are committed to the Notifiable Data Breaches scheme. If a data breach involving your personal information is likely to result in serious harm, we will notify you and the OAIC as required by law.

9. Updates to this Privacy Policy

We may update this policy from time to time to reflect changes in our practices or legal requirements. The current version will be available on our website. We encourage you to review it periodically.