Terms of Use

Lenda Finance Pty Ltd (ABN 56650710213) T/A Lenda Finance

Australian Credit Licence 538600
Unit 1/21, Volcanic Loop, Wangara WA 6065
lendafinance.com.au

About This Statement

Lenda Finance Pty Ltd, trading as Lenda Finance (“we”, “us”, “our”), is committed to protecting your privacy and personal information. This policy explains how we collect, use, store and disclose your personal information (including credit information and credit eligibility information), and the steps we take to comply with privacy laws including the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By using our services or website, you agree to the terms of this Privacy Policy.

What is “Personal Information”?

Personal information is any information or opinion about you by which your identity can be reasonably determined.
 We may collect:

  • Name, address, and contact details
  • Date of birth
  • Financial details (e.g. income, savings, expenses, employment, loan history)
  • Information from other financial institutions
  • Details about products or services you enquire about or apply for
  • Internet activity, including IP address, device information, location, and cookies when you use our website

Sensitive Information

Sometimes, we may need to collect sensitive information, such as health details (for example, if you apply for assistance due to illness or injury). Sensitive information is treated with the highest level of security and confidentiality.

What is “Credit Information” and “Credit Eligibility Information”?

Credit information includes details like:

  • Your name, address, date of birth
  • Details of current or previous consumer or commercial credit
  • Repayment history
  • Credit applications (type and amount)
  • Defaults, judgments, or serious credit infringements
  • Information on the National Personal Insolvency Index
  • Publicly available information about your credit worthiness

Credit eligibility information is information obtained from a credit reporting body (CRB), or derived from that information, relevant to your credit worthiness.

Why Do We Collect Personal Information?

We collect and use personal information (including credit and credit eligibility information) for reasons including:

  • To assess and process your applications for finance or related services
  • To establish and administer products you hold with us
  • To perform administrative functions, conduct customer research, and improve our products and services
  • To tell you about other products or services from us or third parties
  • To comply with legislative or regulatory requirements (e.g. Anti-Money Laundering and Counter-Terrorism Financing Act, National Consumer Credit Protection Act)

How Do We Collect Personal Information?

We usually collect personal information:

  • Directly from you (via forms, phone, email, online, in person)
  • From your authorised representatives
  • Through cookies and tracking technologies on our website
  • Via telephone calls (which may be monitored or recorded for training/record-keeping)
  • From third parties (e.g. other credit providers, brokers, referrers, accountants, insurers, credit reporting agencies like Equifax and Illion, government agencies)

We may also receive unsolicited information from third parties and will only retain it as permitted by law.

How Do We Store and Protect Your Personal Information?

Your personal information is stored securely:

  • In electronic systems and devices
  • In physical files
  • With third-party service providers (who are bound to keep your information secure)

We take reasonable steps to protect your information from misuse, loss, unauthorised access, modification or disclosure, including:

  • IT security (firewalls, encryption, secure passwords)
  • Restricted staff access
  • Physical security over premises and records
  • Secure disposal or de-identification of information when no longer needed

However, no internet transmission is fully secure. You submit information online at your own risk.

Do We Disclose Personal Information to Others?

We may disclose your personal information (including credit and credit eligibility information) to:

  • Other credit providers or financial institutions
  • Regulatory bodies and government agencies
  • Courts, dispute resolution schemes (e.g. AFCA), and external auditors
  • Your agents, brokers, referrers or representatives
  • Credit reporting bodies (Equifax)
  • Insurers
  • Service providers (e.g. IT, mailing houses, debt collection, data processors, system developers, researchers, lawyers, accountants)

Where required, we may also disclose your information overseas to service providers (including countries such as India, Singapore, or the United States of America), or as required to process international transactions.

The information disclosed will be limited to what is required to provide our service or comply with the law.

Exchange of Credit-Related Information with Credit Reporting Bodies (CRBs)

If you apply for credit or act as a guarantor, we may exchange your credit information with CRBs, including:

Equifax Australia Information Services and Solutions Pty Limited

 Illion Australia Pty Ltd

You have rights to:

  • Request CRBs not to use your information for pre-screening or direct marketing
  • Request CRBs not to use/disclose information if you believe you are a victim of fraud
  • You may obtain a copy of the privacy policies of Equifax and Illion via the websites listed above, which contain information about how they manage your credit-related information.

Direct Marketing

From time to time, we may use your personal information to inform you about products or services (including special offers) from Lenda Finance or our partners.
 If you do not wish to receive marketing material, please contact us using the details below to opt out.

Accessing and Correcting Your Personal Information

You may request access to, or correction of, your personal information at any time by contacting us.
 We will take reasonable steps to ensure information is accurate, up to date and complete.
 Access may be refused in certain circumstances (e.g. legal proceedings, privacy of others), and we will explain why if so.

Contact for access/correction:

  • Mail: Compliance Manager, Lenda Finance Pty Ltd, Unit 1/21, Volcanic Loop, Wangara WA 6065
  • Phone: 1300 308 923
  • Email: [email protected]
  1. Fees for Access

Where you request access to your personal information, we may charge a reasonable fee to cover the cost of retrieving and supplying this information. If a fee is to apply, we will notify you beforehand. Access may be refused in certain circumstances, in accordance with the law, and you will be advised of the reasons if this occurs.

Dealing With Us Anonymously

You may deal with us anonymously for general enquiries. However, for most products and services, we will need to identify you.

Changes to This Privacy Policy

This policy replaces all prior versions and may change from time to time.
 The latest version will always be available at lendafinance.com.au.
 We encourage you to check our website periodically for updates.

Website Use and Cookies

Our website (lendafinance.com.au) may use cookies and tracking technologies to collect usage information and enhance your experience.
 

Disabling cookies may impact your ability to use our website.

  1. Website Links to Third Parties

Our website (lendafinance.com.au) may contain links to third-party websites. Please note that these third-party websites are not governed by this Privacy Policy. We are not responsible for the privacy practices or content of those sites. We recommend reviewing the privacy policies applicable to any external websites you visit.

Making a Complaint

We are committed to resolving any privacy concerns quickly and fairly.
 You can make a complaint:

  • In person, by phone, by mail, or by email (details below)

Dispute resolution:

  • We will acknowledge your complaint and advise who is handling it within 48 hours.
  • If unresolved, you may contact the Australian Financial Complaints Authority (AFCA):

Or the Office of the Australian Information Commissioner (OAIC):

Contacting Us

Mail: Compliance Manager
 Lenda Finance Pty Ltd
 Unit 1/21, Volcanic Loop
 Wangara WA 6065
 Phone: 1300 308 923
 Email: [email protected]