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Security

RateUnity is committed to implementing robust security measures to help protect client data from accidental or unlawful loss, access, or disclosure. We achieve this through:

  • Network and Infrastructure Security

  • Host and Endpoint Security

  • Data Protection and Encryption (both in transit and at rest)

  • Logging, Monitoring, Threat Detection, and Analytics

  • Identity and Access Control

  • Application Security

 

Our platform provider complies with several security assurance programs, including:

  • SOC 2 Type 2

  • PCI DSS Level 1,

  • ISO 27001

  • GDPR

Data Privacy

RateUnity ensures that client data is stored exclusively in secure, compliant data stores, specifically within the data centres managed by Wix. Our access to client data is limited to the maintenance or provision of our service offerings and as required to comply with legal requirements.

 

Client Data
"Client Data" includes all data, content, and information (including Personal Information) owned, held, or created by our clients and input into or stored within the platform.

 

Data Security
The RateUnity platform utilises:

  • Encryption at Rest: Data stored within the platform is encrypted with keys accessible only to authorised RateUnity personnel.

  • Encryption in Transit: Data in transit across the internet is encrypted point-to-point using SSL/TLS v1.2.

Data Security – Logging/Monitoring

All data logged for monitoring and audit purposes is masked by default, ensuring that sensitive data is not inadvertently logged. This safeguards sensitive data while supporting efficient auditing and security monitoring.

Data Retention
RateUnity adheres to data retention standards compliant with local regulations.

Personally Identifiable Information (PII)
We collect PII (name, email address, optional address and mobile number, date of birth) and additional analytical data (IP address, geolocation). All collected data is presented back to the client or used within the platform for their benefit.

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Important Information: Interest rates are variable and subject to change without notice. Advertised rates include a 0.35% p.a. discount for the first 2 years, reverting to the applicable standard variable rate thereafter. A $150 application fee applies. The liteBlue (Basic Variable) product has a $199 annual fee and the myBlue (Variable Offset) product has no ongoing product fee. Other fees and charges may apply. Comparison rate is based on a secured loan of $150,000 over 25 years and includes applicable fees, assuming the discounted rate for 2 years reverting to the standard variable rate thereafter. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included but may influence the cost of the loan. This information is general in nature and does not take into account your objectives, financial situation or needs. You should consider whether it is appropriate for you and review the relevant Product Disclosure Statement (PDS) before making any decision. RateUnity Pty Ltd ACN 668 166 283 | Australian Credit Licence 554016. By using this website, you agree to our Terms and Conditions and Privacy Policy.

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