Privacy Policy

Collection and use of personal information

We collect personal information to enable us to provide our products and services to you and otherwise as set out in this Privacy Policy. In addition, if we are required to comply with certain legislation to provide you with the products and services you choose, then collection of certain personal information will be mandatory. If you do not provide us with this information, we may be unable to provide services to you.

Personal information obtained and held

We only collect and hold personal information about you which is reasonably necessary for our functions and activities, including but not limited to:

• Providing you with quality products and/or services.
• Assessing an application for finance.
• Arranging finance and any related insurance.
• Maintaining your contact details.
• Fulfilling legal obligations (e.g. Anti-Money Laundering and Counter-Terrorism Financing).

Examples include: name, date of birth, contact details, identity documents, financial details (assets, liabilities, income, expenses, employment), dependants, credit information, and records of our interactions with you.

Credit information

Credit information includes your credit applications, default information, and information provided by Credit Reporting Bodies (CRBs). We may collect, hold, use and disclose your personal and credit information to:

• Assess and verify your identity and financial situation.
• Assess applications or guarantor suitability.
• Exchange your information with CRBs.
• Disclose to credit providers and insurers.
• Disclose to our aggregation partners (see below).
• Contact third parties such as your employer or landlord where reasonably necessary.

Sensitive and health information

We may collect limited sensitive information (citizenship, biometric data, criminal records, politically exposed person status). Where insurance or financial planning requires it, we may collect relevant health information but will not use it for any other purpose.

Purposes for collection

We collect, hold, use and disclose personal information to:

• Assess suitability for finance.
• Provide finance through our network of lenders.
• Market other relevant products and services.
• Respond to enquiries and complaints.

We may also handle information relating to brokers or individuals we provide aggregation services to.

How information is collected, used and disclosed

We collect information directly from you, via brokers/Credit Representatives, and from third parties/public sources. We may disclose to:

• CRBs, employers, landlords.
• Service providers and insurers.
• Joint applicants/guarantors.
• Referrers, credit providers, and related companies.
• Government authorities when lawfully required.
• Professional advisers, debt collectors, securitisation participants.

We may also collect public information (e.g. ASIC, social media).

Cookies

We may use cookies to maintain session continuity and remember preferences. Our systems may record usage information. Third parties may use cookies/analytics in connection with advertising, analytics or campaign management.

How we hold information

We use security procedures and modern technology to protect personal information. Data is stored in physical and electronic systems, with electronic records in secure Australian data centres. Access is appropriately restricted.

Access and correction

You can request access to or correction of personal information we hold. We will comply with the Privacy Act and may charge a reasonable fee. If we refuse access, we will provide reasons unless unreasonable to do so.

Overseas disclosure

Some recipients may be located outside Australia, including India, Singapore, United States, Philippines, Fiji, and South Africa.

Marketing

We may use and disclose personal information to inform you about products and services that may be of interest. You may opt out of marketing at any time.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The latest version will be published on our website.

Contact us

If you have any questions regarding our Privacy Policy or handling of information, please contact our Privacy Officer: