Privacy Policy

1. Who We Are

This website is operated by Lance Mulu, trading as Lance Mulu Consulting, based in Sydney, Australia ("I", "me", or "my"). This Privacy Policy explains how I collect, use, disclose, and safeguard your personal information when you visit lancemulu.com.au or interact with any of my services, including the Free 15-Minute Discovery Call, Private Monthly Mentorship, and any other offerings listed on this website.

By using this website or submitting your information through any form on this site, you agree to the terms of this Privacy Policy.

I am committed to complying with the Australian Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) contained within it.

2. Information I Collect

I collect personal information that you voluntarily provide when you:

• Book a mentorship session or enquire about working with Lance
• Send a message via the Contact page
• Opt in to receive email communications or educational content
• Send a message via the Contact page
• Complete any quiz or assessment on this website
• Register or pay for any program or event

The information collected may include your first name, last name, email address, phone number, professional role, years of experience, business name, and any details you provide in free-text fields about your current situation, goals, or challenges.

I do not collect sensitive information such as financial account details, tax file numbers, or credit card information directly through this website. Payment processing is handled by third-party providers (see Section 4).

3. How I Use Your Information

Your personal information is used solely for the purposes for which it was collected, including:

• Reviewing and responding to your application or enquiry
• Delivering mentorship services you have enrolled in
• Sending educational email content relevant to personal brand building and AI tools for mortgage brokers
• Sending administrative communications related to your enrolment or booking
• Notifying you of upcoming program intakes or relevant resources
• Improving the content and experience on this website

I will never use your information to send unsolicited commercial messages unrelated to the services you have expressed interest in.

4. Third-Party Services

This website uses the following third-party services to process and manage your information:

• Formspree — used to receive and process application form submissions. View Formspree's privacy policy at formspree.io/legal/privacy-policy
• Netlify — used to host this website. View Netlify's privacy policy at netlify.com/privacy
• Brevo (formerly Sendinblue) — used to manage email lists and send email communications. View Brevo's privacy policy at brevo.com/legal/privacypolicy
• Stripe — used to process payments for programs and mentorship. Stripe handles all payment data securely. View Stripe's privacy policy at stripe.com/au/privacy
• Calendly — used to manage session bookings. View Calendly's privacy policy at calendly.com/privacy
• Zoom — used to deliver online sessions. View Zoom's privacy policy at zoom.us/privacy

I do not sell, rent, or trade your personal information to any third parties for marketing purposes.

5. Email Communications

If you opt in to receive email updates or educational content, you may unsubscribe at any time by clicking the unsubscribe link in any email I send, or by contacting me directly at .

I aim to send only relevant, useful content related to personal brand building, content creation, and AI tools for mortgage brokers. I do not send unsolicited emails.

6. Cookies and Analytics

This website may use basic analytics tools to understand how visitors interact with the site — such as which pages are visited and how long visitors stay. This data is aggregated and not linked to any individual's personal information.

No tracking cookies are used for advertising or retargeting purposes.

7. Data Security

I take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. All form submissions are transmitted via secure, encrypted connections (HTTPS).

However, no method of transmission over the internet is 100% secure. While I strive to protect your information, I cannot guarantee absolute security.

8. Data Retention

I retain your personal information for as long as is necessary to deliver the services you have engaged, comply with legal obligations, and resolve any disputes. If you would like your information deleted from my records, please contact me at and I will action your request within a reasonable timeframe, subject to any legal retention obligations.

9. Access and Correction

You have the right to request access to the personal information I hold about you, and to request correction of any inaccurate information. To make such a request, please contact me at . I will respond within a reasonable timeframe, and in any case within 30 days.

10. Disclosure of Information

I will not disclose your personal information to third parties except in the following circumstances:

• Where required by law or a court order
• To third-party service providers listed in Section 4, strictly for the purposes of delivering services you have engaged
• With your explicit consent

I do not disclose personal information to overseas recipients except where the third-party services listed in Section 4 operate infrastructure outside Australia. In such cases, I take reasonable steps to ensure those parties handle your information in accordance with the Australian Privacy Principles.

11. Disclaimer — Educational Content Only

The content on this website, including all articles, videos, downloadable resources, and coaching is based on Lance Mulu's past experience as a licensed mortgage broker and current experience in financial services. It is intended for educational, training, and personal brand development purposes only.

Nothing on this website or delivered through any program constitutes financial advice, credit advice, real estate advice, or legal advice. Lance Mulu operates as a personal brand strategist and educator — not as a currently licensed financial adviser, mortgage broker, or real estate agent in Australia. Always engage appropriately licensed professionals for formal advice specific to your situation.

12. Changes to This Policy

I may update this Privacy Policy from time to time to reflect changes to my services or legal obligations. Any changes will be reflected on this page with an updated date at the top. Continued use of this website after any changes constitutes your acceptance of the revised policy.

13. Complaints

If you believe I have breached the Australian Privacy Principles or this Privacy Policy, you may contact me directly at to raise a complaint. I will investigate and respond within 30 days. If you are not satisfied with my response, you may contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

14. Contact

If you have any questions about this Privacy Policy or how your personal information is handled, please contact me directly:

Read Terms of Service →