Langley Mercer Pty Ltd
General
References to Langley Mercer, in this policy mean Langley Mercer Pty Ltd trading as www.langleymercer.com.au, along with all its subsidiaries, related entities, or controlled entities. The context will determine whether Langley Mercer refers to one or multiple entities. Each Langley Mercer entity may perform different roles regarding your loan, such as acting as a broker or lender. This consent covers the roles of each entity. References to the singular ('I' or 'me') include the plural ('We' or 'us').
This privacy policy outlines our compliance with the Privacy Act 1988 (Privacy Act). Terms personal information' and 'information' are used interchangeably, following the definition in section 6 of the Privacy Act.
Langley Mercer collects personal information to provide requested products and services and information about other products and services offered by or through us. We protect your personal information in accordance with the Australian Privacy Principles (APP) under the Privacy Act, available at: https://www.oaic.gov.au/privacy and any applicable industry privacy code.
Why We Collect Information
Company collects information for purposes reasonably necessary for or directly related to our business functions or activities. These include:
Providing products and services requested by customers, and monitoring, evaluating, and delivering products and services.
Assisting with queries, resolving complaints, managing information access requests, or handling legal actions involving Langley Mercer.
Managing customer relationships, accounts, and performing administrative tasks (e.g., risk management, system development, credit scoring, staff training, debt collection, and market research).
Offering information about products and services from Langley Mercer, affiliated providers, and external providers we represent (unless the customer opts out).
Complying with legal obligations, such as the National Consumer Credit Protection Act 2009, the Privacy Act, and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
Identifying customers or establishing tax status under Australian or foreign legislation, regulation, or treaties, or agreements with tax authorities.
Gathering and aggregating information for statistical, prudential, actuarial, and research purposes.
Developing and implementing measures to detect or prevent fraud and credit loss.
Assisting with marketing and promotional purposes, including disclosing personal information to third parties, contractors, or organizations aiding our marketing and promotion efforts.
Additionally, under Part IIIA of the Privacy Act, we may obtain your consent to collect, use, and disclose information about you. If you do not provide the required information, we may be unable to offer you the requested goods and services.
What We Collect
Company collects personal information such as name, address, date of birth, gender, marital status, occupation, account details, contact details (telephone, facsimile, email), and financial information. We may also collect personal details for identification purposes over the
telephone.
For credit applications, we may collect information about your dependents, current address duration, employer's details, length of employment, proof of earnings, and previous employment details if applicable.
Disclosure
Company will not disclose your information to government agencies, private sector
organizations, or anyone else unless:
You have consented.
You would reasonably expect or have been informed that such information is usually disclosed.
It is required or authorized by law.
Your actions imply consent to the disclosure of information.
It will prevent or lessen a serious and imminent threat to someone's life or health.
It is reasonably necessary for law enforcement, protection of public revenue, or investigation of fraud, unlawful activity, or misconduct.
Depending on the product or service, we may disclose information to:
Affiliated and external product and service providers.
Appointed auditors.
Individuals acting on your behalf (e.g., financial adviser, solicitor).
Your employer, referees, guarantors, or potential guarantors.
Regulatory bodies, government agencies, or courts.
Participants in the payment system and financial institutions.
Insurers.
Joint borrowers or account holders.
Credit reporting bodies or debt collection agencies.
Other financial institutions and organizations.
Potential business or asset acquirers.
Suppliers.
Other specified organizations or individuals.
Identity Verification and Credit Checks
Langley Mercer is legally required to conduct identity verification and credit checks under legislation like the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and the National Consumer Credit Protection Act 2009. Information from online or in-store applications may be used to verify details and conduct credit checks, including e-verification.
Consent for these checks will be sought during the application process. If there is a partial or no match, further documentation may be required for verification.
We may also access and collect your financial records from your financial institutions via an online portal with your consent. This service removes the need for physical financial statements.
If you fail to meet a payment obligation or commit a serious credit infringement, we may disclose this to a credit reporting body. You may request a credit reporting agency not to use your information for pre-screening direct marketing or if you believe you are a victim of fraud.
You have the right to request a copy of your credit reporting information once a year or if it relates to our refusal of credit.
We may disclose information to the following credit reporting bodies:
Equifax Pty Ltd: http://www.equifax.com.au/privacy
illion Australia Pty Ltd: https://www.illion.com.au/privacy-policy/
Experian Asia Pacific Pty Ltd: http://www.experian.com.au/privacy-policy/
Website Data
When visiting the Langley Mercer website, our system may record information provided by your browser, including:
Date and time of visit.
Browser type and operating system.
Internet Service Provider and top-level domain name.
Referring web address.
IP address.
Website data is kept confidential and used for internal research purposes only.
Cookies
Our websites may send a "cookie" to your computer, providing a unique identification number. Cookies help us interact more effectively with your computer. They may be session cookies (lasting until you close your browser) or persistent cookies (stored longer term). Cookies do not
identify individual users.
You can configure your browser to accept, reject, or notify you of cookies. Rejecting all cookies may limit website functionality.
Links to Other Websites
Our websites may link to non-Company websites. We encourage you to read and understand the privacy policies of linked websites before providing information to them.
Advertising & Performance Tracking
We use advertising companies to deliver online advertising. Cookies and Spotlight tags may collect information such as server details, browser type, visit date and time, and marketing performance. Anonymous information may also be collected about website usage for advertising effectiveness and consumer interest studies.
Overseas Storage and Delivery of Information
Langley Mercer may use third-party platforms for information delivery and storage at secure locations in Australia, Singapore, the United Kingdom, the United States, Ireland, or Hong Kong. These third-party providers use secure systems and processes equivalent to those required under the
Australian Privacy Principles.
Telephone
We may monitor and record telephone calls for training and security purposes.
We will preserve the content of any email that you send us if we are legally required to do so. Where appropriate, we may record your email address against the relevant company name on our confidential customer database.
Your email address is used only to send you information that you have requested and as necessary to complete a transaction or application or for marketing purposes. As part of your use of our email marketing software, Langley Mercer allows you to elect to receive, or not to receive,
certain information.
Langley Mercer will not send you unsolicited email information related to marketing and promotional purposes where you have opted out of receiving such communication, offers or advertisements. Langley Mercer will not sell, rent or lend our contact lists or our customers' contact lists (including customer data) to third parties.
All emails that you have requested will have an option to unsubscribe. To unsubscribe from all future Langley Mercer emails, please opt out here.
Security of Information
Langley Mercer takes reasonable care to protect personal information collected or submitted, both physically and digitally. We regularly review security and encryption technologies. However, data transmission over the Internet cannot be guaranteed as totally secure. Upon receiving your transmission, we take steps to secure the information in our customer database.
Contact Us
For questions, further information, or to exercise your rights regarding our privacy practices and policies, please contact our Privacy Officer at:
The Privacy Officer
Langley Mercer Pty Ltd
6 Lunar Cres Schofields
2762
Phone: +61 405 138 623
Email: [email protected]
Our Privacy Officer will address your concerns within a reasonable period and provide access to information in the manner requested, if practical.
Acceptance and Changes to Privacy Policy
Your use of the Langley Mercer website or products indicates acceptance of this Privacy Policy. This policy replaces any previous versions. Langley Mercer may vary the Privacy Policy by publishing changes on the Langley Mercer website, providing sufficient notice of the variation.
Langley Mercer works across a broad range of industries throughout Australia. While we support businesses in every sector, we have particular depth of experience in trades and construction, transport and logistics, automotive businesses, professional services, retail and hospitality, manufacturing and industrial businesses, property and real estate, health and allied services, and entrepreneurs focused on acquisition and growth.
Our broad cross-industry experience means we understand both the operational and financial challenges businesses face at different stages — and we know how to structure the right solutions for each unique situation.
The businesses that achieve the strongest outcomes with Langley Mercer are those that are growth-focused and value strategic advice, long-term planning, and strong financial structures. We work particularly well with:
• Business owners looking to scale quickly and sustainably
• Companies acquiring assets, equipment, or machinery
• Entrepreneurs purchasing or growing businesses through acquisition
• Businesses that need smarter, more strategic finance structures
• Companies seeking a long-term advisory partner — not a one-off transaction
Because our approach is strategic rather than transactional, clients who are focused on sustainable, long-term growth consistently see the greatest value from working with us.
It is natural for business owners to have reservations — particularly if they have been let down before. The objections we hear most often include:
• 'Will this be more complicated or time-consuming than just going to my bank?'
• 'Is tailored advisory more expensive than a standard broker?' • 'I've been burned before — how do I know I can trust you?'
• 'Do I really need all of this, or can I just get a quick approval?'
• 'I'm not sure I'm big enough to need this level of support.'
Every one of these concerns is valid — and we welcome them. Our experience has shown that once clients see the transparency, responsiveness, and genuine long-term thinking behind the Langley Mercer approach, those concerns are consistently replaced with confidence and clarity. We are never pushy. We simply show people what is possible when they have the right team in their corner.
Success looks different for every client — and we tailor our approach accordingly. However, the most common ways our clients measure the value of working with Langley Mercer include:
• Improved cash flow and day-to-day financial stability
• Successful business or asset acquisitions completed with confidence
• Stronger financial structures that open new opportunities rather than limiting them
• Faster, more sustainable business growth and scalability
• Greater confidence in financial decision-making at every stage
• A trusted, long-term advisory relationship that evolves as their business does
• Time saved — less time navigating complexity, more time focused on building the business
Many clients also measure success simply by the quality of the relationship — knowing that they have a partner who genuinely understands their goals and is fully committed to helping them achieve them.
Many of the most damaging financial mistakes businesses make are entirely avoidable — with the right advice at the right time. Langley Mercer helps clients identify and avoid risks that are often hidden until it is too late:
• Damaged credit files from unstrategic lender applications — blocking future borrowing
• Poor finance structures that restrict cash flow and limit scalability
• High long-term costs from products that seem attractive short-term but prove expensive over time
• Acquisition mistakes — purchasing businesses or assets without the right legal and financial framework
• Compliance and legal exposure from poorly structured business arrangements
• Missed growth opportunities caused by finance structures that cannot flex as the business grows
• Over-reliance on a single lender — limiting options and negotiating power over time
• The cost of reactive advice — paying significantly more to fix problems that proper planning would have prevented
At Langley Mercer, we focus on long-term structure over short-term approval. The hidden cost of poor financial advice is almost always far greater than the investment in getting it right from the beginning.
