Privacy Policy

1. Scope

We are bound by the Privacy Act 1988 (Cth), the Australian Privacy Principles, and the Privacy (Credit Reporting) Code. This policy explains what we collect, why, who we give it to, and how you can access or correct it.

2. What we collect

• Identity and contact details — name, date of birth, email, phone, residential address.
• Financial information — income, employment status, expenses, assets, liabilities, existing credit commitments.
• Credit information — where you proceed to an application, credit reporting information including repayment history, defaults and credit enquiries.
• Technical information — IP address, browser type and pages visited, collected through standard web logs and any analytics tools in use on this site.

3. Why we collect it

To assess your enquiry, to identify lenders whose criteria may suit you, to arrange or provide credit, to verify your identity, to comply with our obligations under the National Consumer Credit Protection Act and anti-money-laundering law, and to respond to you.

4. Who we disclose it to

• Credit providers and lenders on our panel, for the purpose of assessing your enquiry or application.
• Credit reporting bodies, where you proceed to a full application and consent to a credit check.
• Service providers who support our operations, such as hosting, email and CRM providers, under confidentiality obligations.
• Regulators, law enforcement or courts, where required or authorised by law.

Some service providers may store data outside Australia. Where that occurs, we take reasonable steps to ensure the recipient handles your information consistently with the Australian Privacy Principles.

5. Credit checks

Submitting the enquiry form on this website does not involve a credit check and does not create an entry on your credit file. If you choose to proceed to a full application, a credit check may be carried out by us or by a lender — with your express consent, obtained separately at that point.

6. Direct marketing

We may contact you about your enquiry and about products that may be relevant to it. You can opt out at any time by emailing info@aussieloanapply.com or using the unsubscribe link in any message. We do not sell your personal information.

7. Security and retention

We take reasonable steps to protect information from misuse, loss and unauthorised access. We keep records for as long as required by law — generally seven years for credit activity records — and then destroy or de-identify them.

8. Access, correction and complaints

You can request access to the personal information we hold about you, and ask us to correct it if it's wrong. Email info@aussieloanapply.com. We will respond within a reasonable period and will tell you if we cannot give access and why.

If you believe we have breached the Australian Privacy Principles or the Credit Reporting Code, tell us first using the process on our complaints page. If you're not satisfied with our response, you can contact the Office of the Australian Information Commissioner at oaic.gov.au or on 1300 363 992.

9. Cookies

This website may use cookies and similar technologies for analytics and advertising measurement. You can control cookies through your browser settings, though some site functions may not work correctly if you block them.

10. Changes

We may update this policy. The version published on this page is the current version.