• Respecting your Privacy 
• What information do we collect and hold? 
• How do we collect your information? 
• How we use your information 
• Who do we share your information with? 
• How do you access or correct your personal information? 
• How do you make a complaint? 
• Contact details for escalating complaints  
• Contact details for Credit Reporting Bodies 
• Contact Us  

This Policy also includes our Finanzor Group credit reporting policy, that is, it covers additional information on how we manage your information collected in connection with a credit application, or a credit facility. We refer to this credit-related information below as credit information.

• Personal and business information;

• ID information such as your name, postal or email address, telephone numbers, and date of birth; 
• Other contact details such as social media handles; 
• Financial details such as your tax file number; 
• Your location or activity including IP address, and whether you’ve accessed third party sites;
• Credit information such as details relating to credit history, credit capacity, and eligibility for credit (‘credit worthiness’); 
• Financial information including (but not limited to) Profit & Loss, Balance Sheet, debtors, creditors, sales and invoicing, customer and supplier information including ABN/ACN and addresses; and
• Other information we think is necessary.

• ID information: a record of your name(s) (including an alias or previous name), date of birth, gender, current or last known address and previous two addresses, name of current or last known employer and drivers licence number. 
• Information request: a record of a lender asking a credit reporting body for information in relation to a credit application, including the type and amount of credit applied for. 
• Personal insolvency information: a record relating to your bankruptcy or your entry into a debt agreement or personal insolvency agreement. 
• Court proceedings information: an Australian court judgment relating to your credit. 
• Publicly available information: a record relating to your activities in Australia and your credit worthiness.

• Our summaries of what the credit reporting bodies tell us; and 

• Credit scores: a credit score is a calculation that lets us know how likely a credit applicant will repay credit we may make available to them.

This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

• To provide and maintain the Service
• To notify you about changes to our Service
• To allow you to participate in interactive features of our Service when you choose to do so
• To provide customer care and support
• To provide analysis or valuable information so that we can improve the Service
• To monitor the usage of the Service
• To detect, prevent and address technical issues.

Cookies are files with small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyse our Service.

You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

We might collect your information when you fill out a form with us, when you’ve given us a call, used our website. In addition, when you use our website or mobile applications we may collect information about your IP address, location or activity.

We also find using electronic means, such as email or SMS, a convenient way to communicate with you and to verify your details, including doing Electronic Identity Verification (e-Know Your Customer). We will try to collect personal information directly from you unless it’s unreasonable or impracticable. For this reason, it’s important that you keep your contact details up-to-date.

• We need information from third parties about an application you make through us; 
• We need information for fraud prevention purposes; 
• We are checking the security you are offering; 
• We can learn insight about your financial needs, such as through financial property information; 

• At your request, we exchange information with your legal or financial advisers or other representatives.

• Provide you with the product or service you want; 
• Manage or administer your product or service; 
• Personalise your experience with us; 

• Verify your identity or protect against fraud; or

• Credit reporting bodies and other credit providers; 
• Your co-loan applicants or co-borrowers, as well as your guarantors/proposed guarantors; 
• Your employer, accountant, real estate agent or other referees; 
• Your agents and other representatives like your referrers, brokers, solicitors, conveyancers and settlement agents; 
• Organisations that check the security you are offering such as valuers and insurance companies; 
• Organisations involved in the securitisation of our loans such as loan servicers, trust managers, trustees and security trustees; 
• Bodies that issue identification documents to help us check your identity; and 
• Our service providers involved in helping us to provide credit or to administer credit products, including our debt collectors and our legal advisers.

Where we collect your personal information from third parties we will take reasonable steps to notify you of the circumstances of that collection.

• Confidentiality requirements and privacy training of our employees; 
• Document storage security policies;  
• Security measures to control access to our systems and premises; 
• Only giving access to personal information to a person who is verified to be able to receive that information; 
• Ensuring third parties meet Finanzor’s privacy obligations; and 
• Electronic security systems, such as firewalls and data encryption on our websites.

These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page : https://policies.google.com/privacy

We can store personal information physically or electronically with third party data storage providers. Where we do this, we use contractual arrangements to ensure those providers take appropriate measures to protect that information and restrict the uses to which they can put that information.

• Provide you with information about products and services, including financial help guidance and advice; 
• Consider your request for products and services, including your eligibility; 
• Process your application and provide you with products and services; and 
• Administer products and services which includes answering your requests and complaints, varying products and services, conducting market research, taking any required legal action in relation to our accounts and managing our relevant product portfolios.

• Identifying you or verifying your authority to act on behalf of a customer; 
• Identifying opportunities to improve our service to you and improving our service to you;
• Allowing us to run our business and perform administrative and operational tasks (such as training staff, risk management; developing and marketing products and services, undertaking planning, research and statistical analysis; and systems development and testing); 
• Preventing or investigating any fraud or crime, or any suspected fraud or crime; 
• As required by law, regulation or codes binding us; 
• And for any purpose for which you have given your consent.

• Assess whether to accept a guarantor or the risk of a guarantor being unable to meet their obligations; 
• Consider hardship requests; and 

• Assess whether to securitise loans and to arrange the securitising of loans.

Some of that information may reflect adversely on your credit worthiness, for example, if you fail to make payments or if you commit a serious credit infringement (like obtaining credit by fraud). That sort of information may affect your ability to get credit from other lenders.

• Those involved in providing, managing or administering your product or service; 
• Credit reporting bodies or other approved third parties who are authorised to assess the validity of identification information; 
• Brokers or referrers who refer your application or business to us; 
• Other financial institutions, such as banks, as well as guarantors and prospective guarantors of your facility; 
• Organisations involved in debt collecting, including purchasers of debt; 
• Fraud reporting agencies (including organisations that assist with fraud investigations and organisations established to identify, investigate and/or prevent any fraud, suspected fraud, crime, suspected crime, or misconduct of a serious nature); 

• Any party involved in securitising your facility, including the Reserve Bank of Australia (sometimes this information is de-identified), re-insurers and underwriters, loan servicers, trust managers, trustees and security trustees; 
• Service providers that maintain, review and develop our business systems, procedures and technology infrastructure, including testing or upgrading our computer systems; 
• Our joint venture partners that conduct business with us; 
• Organisations that assist with our product planning, analytics, research and development; 
• Mailing houses and telemarketing agencies and media organisations who assist us to communicate with you, including media or social networking sites; 
• Other organisations involved in our normal business practices, including our agents and contractors, as well as our accountants, auditors or lawyers and other external advisers (e.g. consultants and any independent customer advocates); 
• Government or regulatory bodies (including the Australian Securities and Investment Commission and the Australian Tax Office) as required or authorised by law (in some instances these bodies may share it with relevant foreign authorities); and 
• Where you’ve given your consent or at your request, including to your representatives, or advisors.

Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your state, country or other governmental jurisdiction where the data protection laws may differ than those from in Australia. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Finanzor will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

We may store your information in “Cloud” or other types of networked or electronic systems. As electronic or networked systems can be accessed from various countries via an internet connection, it’s not always practicable to know in which country your information may be held. If your information is stored in this way, disclosures may occur in countries other than those listed. 

Overseas organisations may be required to disclose information we share with them under a foreign law. In those instances, we will not be responsible for that disclosure. 

We will not share any of your credit information with a credit reporting body, unless it has a business operation in Australia. We are not likely to share credit eligibility information (that is, credit information we obtain about you from a credit reporting body or that we derive from that information) with organisations unless they have business operations in Australia. We may share other credit information about you with our service provider organisations outside Australia.

More detailed information may take longer and involve a fee to cover the costs of retrieving and supplying the details you want. The fee will not be excessive and will not apply to the making of the request. If you need to access your detailed information, first get in contact with us to discuss what you want to access or change.

It is important that the information we hold is accurate and up to date. In this, we ask that you contact us whenever there are any changes to your personal details, so that we can update our records.

There may be some situations in which we are not required to give you access to your personal information. If we don’t give you access or allow you to correct your personal information, we will give you a clear explanation in writing of the reasons why except when it would be unreasonable to do this. 

If your concerns haven’t been resolved to your satisfaction, you can lodge a complaint with the Australian Financial Complaints Authority (AFCA) or with the Office of the Australian Information Commissioner. Contact details are provided below.

Direct marketing

 We may send you direct marketing communications and information about our products and services or the products and services of other organisations that we consider may be of interest to you. These communications may be sent in various forms, including mail, SMS, fax and email, in accordance with applicable marketing laws, such as the Spam Act 2003 (Cth). 

If you indicate a preference for a method of communication, we will endeavour to use that method whenever practical to do so. In addition, at any time you may Opt-out or Unsubscribe from receiving marketing communications from us by contacting us (see the details below) or by using Opt-out / Unsubscribe facilities provided in the marketing communications sent to you. We will then ensure that your name is removed from our mailing / communications list.

If you still feel your issue hasn’t been resolved to your satisfaction, then you can escalate your privacy concern.

• Online

• Phone

• Email

• In writing to

• Online

• Phone

• Email

• http://www.checkyourcredit.com.au 
• Illion’s credit reporting policy is set out at http://www.dnb.com.au/Header/About_Us/Legal/Privacy_ policy/index.aspx 

• Phone 

• Mail

• http://www.experian.com.au
• Experian’s credit reporting policy is set out at http://www.experian.com.au/legal/credit-services-privacy.html 

• Phone

• Mail

• http://www.mycreditfile.com.au 
• Equifax’s credit reporting policy is set out at http://www.equifax.com.au/privacy

If, after the initial 21 day ban period, the credit reporting body believes on reasonable grounds that you continue to be or are likely to be the victim of fraud, the credit reporting body must extend the ban period as they think reasonable in the circumstances. The credit reporting body must give you a written notice of the extension.