Privacy Policy

1. About This Policy

This Privacy Policy applies to Australian Finance & Loans Pty Ltd (ACN 696 193 692) (“we”, “us”, “our”). We are bound by the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) and the Privacy Amendment (Enhancing Privacy Protection) Act 2012.This policy explains how we collect, use, disclose, store, and manage your Personal Information (PI). It outlines:Who we are and what we doWhat personal information we collect and holdHow we collect personal informationWhy we collect, hold, use and disclose itHow we handle anonymous or pseudonymous interactionsDirect marketing practices and opt-out optionsCross-border disclosure of personal informationSecurity and storage of personal informationAccessing and correcting your personal informationHow to make a complaintHow to contact us about privacy matters

2. Who We Are

Australian Finance & Loans Pty Ltd is an Australian finance brokerage that assists customers in accessing financial products including:Personal loansBusiness loansVehicle financeEquipment and asset financeInsurance productsWe work with a panel of lenders, financiers, and insurance providers to match clients with products that best suit their needs and financial circumstances.

3. What is Personal Information

Personal Information (PI) is information or an opinion about an identified individual, or an individual who can reasonably be identified.Examples of personal information we may collect include:Name, signature, residential or business addressEmail address and phone numberDate of birthFinancial information including income, bank account details, assets, liabilities, and expenditureEmployment details such as employer name, job title, and salaryCredit information including credit history, repayment history, credit inquiries, defaults, and bankruptcy information

Sensitive Information

Sensitive information may include details about racial or ethnic origin, political opinions, religious beliefs, criminal record, or health information.We generally do not collect sensitive information unless required for finance or insurance purposes, and we will obtain your consent before collecting it.

4. How We Collect Personal Information

We usually collect personal information directly from you, including when you:Submit an enquiry through our websiteApply for finance or insurance productsSpeak with our staff via phone, email, or online formsEngage with us through referral partnersIn some circumstances, we may collect information from third parties with your consent, including:EmployersAccountants or financial advisersBanks or financial institutionsCredit reporting bodiesReferrers or brokersSuppliers such as vehicle dealerships or equipment vendors

Website Analytics and Cookies

We may use technologies such as cookies, analytics tools, and session recording software, including services like Microsoft Clarity and Microsoft Advertising, to understand how visitors interact with our website.This helps us improve website performance, functionality, and user experience.

5. Why We Collect Personal Information

We collect and use personal information to:Assess and process applications for finance or insuranceVerify identity and financial circumstancesCommunicate with lenders, insurers, and service providersProvide finance recommendationsComply with legal and regulatory obligationsImprove our services and customer experiencePersonal information may be retained for up to seven (7) years after a contract or business relationship ends, in accordance with financial record-keeping requirements. After this period, it will be securely destroyed or de-identified.

6. Disclosure of Personal Information

We may disclose personal information where necessary to provide our services, including to:Banks, lenders, and finance providersInsurance providersCredit reporting bodiesEmployers, accountants, or legal advisers (for verification)Suppliers such as vehicle dealerships or equipment providersService providers assisting with administration or technologyWe only disclose information where reasonably required to facilitate finance or insurance services.

7. Anonymous or Pseudonymous Interactions

Where practical, you may contact us anonymously or use a pseudonym for general enquiries.However, if you apply for finance or insurance products, you will need to identify yourself as personal information is required to process applications and meet regulatory obligations.

8. Direct Marketing

We may use your personal information to provide information about products, services, promotions, or offers that may be relevant to you.Marketing communications may occur via:EmailPhoneSMSMailDigital advertising channelsWe do not sell your personal information to third parties.You may opt out of marketing communications at any time by contacting:Email: compliance@australianfinanceandloans.com.au
Phone: 1300 241 149

9. Cross-Border Disclosure

In some circumstances, personal information may be stored or processed by service providers located outside Australia.Countries where information may be accessed or processed may include:New ZealandUnited StatesUnited KingdomPhilippinesIndiaSingaporeJapanMalaysiaVietnamGermanyWhere overseas disclosure occurs, we take reasonable steps to ensure service providers comply with privacy obligations consistent with Australian law.

10. Government-Related Identifiers

We may collect government-related identifiers where required for identity verification or legal compliance, including:Driver’s licence numbersPassport numbersTax File Numbers (TFNs)TFNs are only collected where legally required and will be handled in accordance with Australian privacy and taxation laws.

11. Security of Personal Information

We take reasonable steps to protect personal information from misuse, loss, unauthorised access, modification, or disclosure.Security measures include:Secure document storage systemsFirewalls and encryption technologiesRestricted access to authorised staff onlyConfidentiality agreements for employees and contractorsThird-party service providers are required to maintain appropriate security standards.

12. Access and Correction

You may request access to the personal information we hold about you.In certain circumstances access may be refused, including where:It poses a serious threat to health or safetyIt impacts the privacy of othersLegal restrictions applyYou may also request corrections if information we hold about you is inaccurate, incomplete, or out of date.

13. Complaints

If you believe your personal information has been mishandled, please contact us:Australian Finance & Loans Pty Ltd
Level 4, 152 Elizabeth St
Melbourne VIC 3000Phone: 1300 241 149
Email: compliance@australianfinanceandloans.com.auWe aim to investigate and respond within 21 days.If you are not satisfied with our response, you may contact:Office of the Australian Information Commissioner (OAIC)
Phone: 1300 363 992
Website: www.oaic.gov.auAustralian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Website: www.afca.org.au

14. Changes to This Policy

We may update this Privacy Policy from time to time. Any updates will be published on our website.

15. Contact Us

For any privacy enquiries, please contact:Australian Finance & Loans Pty Ltd
Level 4, 152 Elizabeth St
Melbourne VIC 3000Phone: 1300 194 926
Email: info@australianfinanceandloans.com.au