This policy describes how we handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
Depending on your enquiry or application, we may collect identifiers (name, contact details), identification and financial information you choose to provide, and records of your communications with us. If you browse our website, standard server or analytics data may be collected as described in our Cookie policy.
We collect personal information in a number of ways, including when you contact us by phone or email, when you provide documents and details for the purpose of seeking credit assistance, and when you interact with our website. We may also collect information from third parties where it is necessary to provide our services—for example, from credit providers, valuers, insurers, accountants, conveyancers, or identity verification services—where you have authorised us to do so or where we are otherwise permitted by law.
In some situations, we may collect sensitive information (as defined in the Privacy Act 1988 (Cth)) only where it is reasonably necessary for our functions or activities and where we have your consent or where collection is otherwise permitted by law. If you do not wish to provide certain information, you may choose not to; however, this may affect our ability to respond to your enquiry or assist with an application.
We use personal information to respond to enquiries, provide credit assistance, manage our relationship with you, meet legal and regulatory obligations (including AML/CTF and responsible lending where applicable), and improve our services.
We may use your contact details to communicate with you about your enquiry or application, including requesting documents, confirming key details, and providing updates. We do not use personal information to send unrelated marketing messages without your consent. If at any time you ask us not to contact you for a particular purpose, we will take reasonable steps to comply.
We may disclose information to lenders, insurers, valuers, legal advisers, technology providers who support our business, and regulators where required by law. We do not sell your personal information.
Where we provide credit assistance, we may handle information relevant to credit assessment and lending decisions. Credit providers may have their own privacy policies that explain how they handle personal information, including credit-related information. Where applicable, you should review those policies before proceeding with an application.
Some service providers may store or process data outside Australia. Where that occurs, we take steps that are reasonable in the circumstances to ensure overseas recipients comply with the APPs or comparable obligations, where required.
We use reasonable administrative and technical measures to protect information. No online transmission is completely secure; you should also protect your account details and devices.
We keep personal information only for as long as it is needed for the purpose for which it was collected, to provide our services, and to meet our legal and regulatory obligations. When we no longer need the information, we take reasonable steps to destroy or de-identify it, unless we are required by law to retain it.
You may request access to the personal information we hold about you or ask us to correct it. Contact us using the details on our website. We may need to verify your identity before responding.
Where practicable, you may interact with us anonymously or using a pseudonym. However, for most credit assistance services we will need to verify identity and collect sufficient information to properly assist you.
If you have a privacy concern, contact us first. If you are not satisfied with our response, you may complain to the Office of the Australian Information Commissioner (OAIC).
If you have a request relating to access, correction, or a privacy complaint, please contact us using the details on our website. To help us respond efficiently, include your name, the nature of your request, and any relevant reference details (for example, the date of your enquiry). We may need to verify your identity before providing access or making changes.
We may amend this policy from time to time. The current version will be published on this page.