This audio script provides mortgage brokers with a detailed understanding of Australian Privacy Principle (APP) 8, focusing on the cross-border disclosure of personal information. Listeners will learn about the obligations of Australian entities when sharing personal data with overseas recipients, including the requirement to take "reasonable steps" to ensure compliance with Australian privacy laws. The script explores legal safeguards, such as contractual agreements, compliance monitoring, and exceptions where disclosure is permitted without additional protections. By the end of the presentation, mortgage brokers will gain practical knowledge to protect client data, mitigate risks, and maintain compliance in a globally connected business environment.