At AJ Home Loans Gladstone, we are committed to maintaining the highest standards of honesty, integrity, and professionalism in all that we do.
This Code of Ethics guides our actions and decisions as we serve our clients, our community, and our business partners.
Honesty and Fairness
We conduct all interactions with honesty, transparency, and fairness.
- We do not misrepresent our services or the products we recommend.
- We will never use misleading language such as “best rate guaranteed” or make unrealistic promises.
- We act in the best interests of our clients at all times — consistent with our obligations under the National Consumer Credit Protection Act 2009 (Cth).
Acting in the Client’s Best Interests
As a mortgage and finance broker, we always place the interests of the client first.
- We provide clear and unbiased information to help clients make informed decisions.
- We recommend only products that are appropriate and suitable to the client’s financial needs and circumstances.
- We maintain transparency regarding fees and commissions.
Conflicts of Interest
We identify and manage any potential conflicts of interest.
- We disclose any potential conflicts to clients and relevant stakeholders.
- We will never allow personal or commercial interests to override our obligation to act in the best interests of our clients.
Confidentiality and Privacy
We protect the privacy and confidentiality of all client information.
- We handle personal information in accordance with the Australian Privacy Principles and our published Privacy Policy.
- We will not disclose personal information without consent, except as required or authorised by law.
Compliance with Laws and Industry Standards
We comply fully with:
- All relevant Australian laws and regulations, including the NCCP Act, Privacy Act 1988, Anti-Money Laundering and Counter-Terrorism Financing Act 2006.
- Industry codes of practice and membership standards of relevant professional associations (e.g. MFAA, FBAA).
- ASIC guidance on responsible lending and consumer protection.
We ensure all staff and contractors understand their compliance obligations.
Protection of Company Assets
We safeguard the assets, reputation, and intellectual property of AJ Home Loans Gladstone.
- Company resources are used only for legitimate business purposes.
- We maintain accurate and honest records.
- We protect sensitive information and systems from unauthorised access or misuse.
Diversity and Inclusion
We value diversity, inclusion, and respect in our workplace and in all interactions.
- We treat clients, staff, and partners with dignity and respect, regardless of background or personal characteristics.
- We do not tolerate discrimination, harassment, or bullying of any kind.
- We celebrate the diversity of the Gladstone community and serve all clients equally.
Sustainability and Community Impact
We are committed to operating our business in a socially responsible and sustainable manner.
- We consider the environmental and social impacts of our decisions.
- We support local community initiatives and promote financial literacy through education and coaching.
- We seek to have a positive impact on the lives of our clients and the broader community.
Accountability and Enforcement
All employees, contractors, and representatives of AJ Home Loans Gladstone are expected to adhere to this Code of Ethics.
- Breaches of this Code will be taken seriously and may result in disciplinary action, up to and including termination of employment or business relationships.
- We encourage staff, clients, and partners to report any concerns regarding ethical conduct. Reports will be investigated promptly and fairly.
Commitment
By adhering to this Code of Ethics, we aim to maintain the trust and confidence of our clients, our community, and the Australian financial services industry.
We review this Code regularly to ensure it reflects current best practices and continues to guide us in conducting our business with integrity, professionalism, and care.
