Em Bee Finance, a name you can trust
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Privacy Policy

Our disclaimer, how we are paid, how we handle your personal information, and how to raise a concern or complaint.

Last updated: August 2026

Who we are

Em Bee Finance Pty Ltd (ACN 682 498 728, ABN 31 682 498 728) trades as Em Bee Finance and operates from Thornlie, Perth WA.

Credit representative disclosure

Australian Credit Licence 486112 is held by Purple Circle Financial Services Pty Ltd (ABN 21 611 305 170), which acts as head licensee.

Em Bee Finance Pty Ltd is an authorised corporate credit representative under that licence, Credit Representative Number 568170. Mool Bhargava is an authorised individual credit representative, Credit Representative Number 568169.

Disclaimer

Social media

The advice provided in posts / comments by Em Bee Finance Pty Ltd representatives on social media outlets is to be considered general advice only. It has been prepared without taking into account your specific objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. If any products are detailed in this presentation, you should obtain a Product Disclosure Statement relating to the products and consider its contents before making any decisions.

General

The information provided on this website is for general education purposes only and is not intended to constitute specialist or personal advice. This website has been prepared without taking into account your objectives, financial situation or needs. Because of this, you should consider the appropriateness of the advice to your own situation and needs before taking any action. It should not be relied upon for the purposes of entering into any legal or financial commitments. Specific investment advice should be obtained from a suitably qualified professional before adopting any investment strategy.

If any financial product has been mentioned, you should obtain and read a copy of the relevant Product Disclosure Statement and consider the information contained within that Statement with regard to your personal circumstances, before making any decision about whether to acquire the product. You can obtain a copy of the PDS by emailing mool.bhargava@embeefinance.com.

How does Em Bee Finance Pty Ltd get paid?

We don’t charge to find the right loan for you. Your broker is paid by the lender once your loan settles. In some limited circumstances your broker may charge a fee, which would be discussed with you before proceeding. The commission received by Em Bee Finance Pty Ltd and your broker will be provided in the Loan Choices Document that we will provide to you before applying for finance.

Em Bee Finance Pty Ltd brokers do not receive bonus commissions or volume bonus payments from the lenders that provide finance for our customers.

You may need to pay the finance provider’s application, valuation, legal and other fees.

In what circumstances do we charge a fee for our services?

We will discuss any fees with you before proceeding with your application.

Privacy Policy

Em Bee Finance Pty Ltd (“we”, “us”, or “our”) is committed to protecting your privacy and handling your personal information in a transparent and secure manner. This Privacy Policy explains how we collect, use, disclose, and protect your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. What information we collect

We may collect personal and financial information necessary to provide mortgage broking and related financial services, including but not limited to:

  • Personal details such as name, date of birth, address, phone number and email address
  • Identification documents to verify your identity
  • Employment and income information
  • Financial information including assets, liabilities, expenses and credit history
  • Information about your finance needs, objectives and circumstances
  • Information collected through our website, online forms, emails, phone calls, or meetings

2. How we collect your information

We collect personal information through a range of methods, including:

  • When you contact us directly (in person, by phone, email or online)
  • When you complete enquiry or application forms
  • From lenders, credit providers, valuers, insurers and professional advisers
  • From credit reporting bodies (with your consent)
  • Through our website, including cookies and analytics tools

3. Why we collect your information

We collect, hold and use personal information for purposes including:

  • Assessing your financial needs and circumstances
  • Providing credit assistance and mortgage broking services
  • Submitting loan applications to lenders on your behalf
  • Communicating with you about products, services and applications
  • Meeting legal, regulatory and compliance requirements
  • Improving our services and customer experience

4. Disclosure of personal information

We may disclose your personal information to third parties where necessary, including:

  • Banks, lenders and credit providers
  • Mortgage insurers
  • Credit reporting bodies
  • Valuers, solicitors, accountants and other professional advisers
  • Technology service providers and administrative support services
  • Regulatory bodies, where required by law

We only disclose information that is reasonably necessary for providing our services or complying with legal obligations.

5. Credit information

As a mortgage broker, we may collect, use and disclose credit information and credit eligibility information about you, including information from credit reporting bodies, in accordance with the Privacy Act 1988.

You can request details of the credit reporting bodies we deal with and how your credit information is handled.

6. Direct marketing

We may use your personal information to provide you with information about products or services that may be of interest to you. You can opt out of receiving marketing communications at any time by contacting us or using the unsubscribe option in our communications.

7. Data security

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure. This includes:

  • Secure electronic systems and password protection
  • Restricted access to personal information
  • Secure document storage and disposal

If a data breach occurs that is likely to result in serious harm, we will comply with the Notifiable Data Breaches scheme and notify affected individuals and the Office of the Australian Information Commissioner (OAIC) where required.

8. Access and correction

You may request access to the personal information we hold about you and request corrections if the information is inaccurate, incomplete or out of date. Requests can be made by contacting us using the details below.

9. Cookies and website analytics

Our website may use cookies and analytics tools to improve user experience and monitor website performance. You can disable cookies through your browser settings, though this may affect website functionality.

Complaints

We love hearing positive feedback, but if you do have a complaint, please let us know so we can work towards resolving it promptly and fairly.

You can make a complaint verbally or in writing by contacting your broker directly or by using any of the following:

External dispute resolution scheme

If we do not reach an agreement on your complaint, you may refer the complaint to an ASIC Approved External Dispute Resolution (EDR) Scheme. Our external dispute resolution provider is the Australian Financial Complaints Authority (AFCA).

You can contact AFCA using any of the following:

External dispute resolution is a free service established to provide you with an independent mechanism to resolve specific complaints. You may refer the matter to AFCA at any time, but if our internal process is still in progress, they may request that our internal processes be completed before considering the matter further. You can obtain further details about our dispute resolution procedures and obtain details of our privacy policy on request.

Concerns

If, for any reason, you do not feel that you have received the highest standard of care from us, we likewise encourage you to share this with us. We have in place a process that we believe makes it easy for you to tell us your concerns and for them to be addressed quickly and fairly. You can contact us by whichever of the following means best suits you.

Mool Bhargava
Em Bee Finance Pty Ltd
Phone: +61 401 063 137
Email: mool.bhargava@embeefinance.com

If you choose to contact us by mail or email, please make sure you provide as much detail as possible about your complaint. We will acknowledge receipt of your complaint and confirm that the matter is being investigated. Once our investigation is complete, we will provide you with a detailed response in writing that includes the results of our investigation and the reason or reasons for our decision.

Third party products or services

If your complaint relates to a product or service acquired through a third party (for example, a lender) we may ask you to contact the relevant third party. They will deal with your complaint under their complaint resolution process.

If you are not satisfied with the resolution of your complaint by the third party under their complaint resolution process, you are entitled to have your dispute considered by their External Dispute Resolution Scheme. Please contact the third party for further details.

Need an update on your complaint? If you have lodged a complaint with us, you can contact us at any time to ask for an update on its status. Contact us through any of the methods listed above and please be sure to refer to your earlier communication so that we can respond effectively.

Resolution

We will try to resolve your complaint immediately. However, if this is not possible, we will ensure we treat you fairly and will work to resolve your complaint as soon as possible. Wherever possible, we will aim to provide our formal response to you within two weeks of receiving your complaint. In the rare event that we are still investigating your complaint after 45 days, we will write to you to explain why and to let you know when we expect to have completed our investigation.

We hope that you will be satisfied with how we deal with your complaint. However, if your concerns remain unresolved, or you have not heard from us within 45 days, you can have your complaint heard by an independent party, the Australian Financial Complaints Authority (AFCA), on 1800 931 678 (free call), GPO Box 3, Melbourne VIC 3001, www.afca.org.au.

Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in legislation, business practices or services. The updated policy will be available on our website.

How to reach us

Contact us at mool.bhargava@embeefinance.com or +61 401 063 137 to request a copy of your information, correct any details, or make a privacy complaint.