Privacy Policy – Loan Firm Pty Ltd

Who are we?
‘We’, ‘us’ and ‘our’ refers to the Broker, Aggregator, Australian Credit Licensee and our related businesses as outlined in the Credit Guide provided to you.

Our commitment to protect your privacy
We understand the importance of protecting your personal information. This Privacy Policy outlines our commitment to safeguarding the information we collect and how it is used.

We collect personal information only for the purposes for which it is intended or as permitted by law, and we strive to treat all personal information with the utmost care, in accordance with the Australian Privacy Principles under the Privacy Act.

Personal Information
Personal information is information that can reasonably identify you. This may include your name, date of birth, contact details, occupation, financial and credit information, and any other data that may help identify you.

We may also collect information about the type and amount of finance you are interested in, and any other information submitted through our website. Additional details may be collected during finance applications, such as employment history, income and expenses, or health data (with your consent).

Why we collect personal information
We collect personal information to:

• Assess and manage your finance applications;

• Communicate and maintain our relationship with you;

• Conduct direct marketing (unless you opt out);

• Offer related products and services;

• Comply with legal and regulatory requirements.

How we collect your personal information
Where reasonable and practical, we collect information directly from you. We may also collect data from third parties such as LM Broker Services, other brokers, accountants, or legal representatives.

Disclosure of your personal information
We may disclose your information to:

• Prospective funders and intermediaries;

• Service providers assisting in managing your finance;

• Associated businesses for marketing purposes;

• IT and infrastructure suppliers;

• Your authorised representatives;

• Government bodies where required by law;

• Investors or parties with a business interest in our operations;

• Overseas parties as necessary.

Before disclosure, we take reasonable steps to ensure the recipient protects your information or that you have provided consent.

Overseas disclosures
We may share your information with overseas service providers or related entities, including those located in the Philippines, the USA, or other countries for data hosting and support. While these recipients are outside Australian jurisdiction, we take reasonable measures to protect your data.

Direct Marketing
We may use your information to inform you of new services or offers. You may opt out anytime via email or unsubscribe links provided.

Updating your information
It is important your information is current. Please contact us to update your details. We rely on you to keep your data accurate.

Access and correction
You may request access to your personal information. We may charge a small fee for this service. If you believe any information is inaccurate, we will investigate and correct it if appropriate.

Use of government identifiers
We do not use government identifiers (e.g. TFN) to identify individuals, unless required by law.

Anonymity
Where possible and lawful, you may interact with us anonymously, such as making general enquiries.

Sensitive information
We only collect sensitive information (e.g. health, ethnicity, union membership) with your explicit consent.

Security
We store personal information securely in physical and electronic formats, and take reasonable steps to protect it from misuse, loss or unauthorised access.

Complaints
If you are dissatisfied with how we handle your personal information, contact us. We will respond within 30 days. If unresolved, you may contact the Office of the Australian Information Commissioner at www.oaic.gov.au or 1300 363 992.

Policy updates
We may update this policy from time to time. The latest version is always available upon request.

Effective Date: August 2021