Privacy Policy

Introduction

This is the privacy policy of Direct Finance Loans Pty Ltd ABN 68 165 728 576 Australian credit licence number 472240.

Contacting us

Our contact details are as follows:

Phone: 1300 800 260
Fax: 02 8338 0006
Email: apply@directfinanceloans.com.au

Protecting your privacy

We seek to protect and maintain the privacy, accuracy and security of your personal information. We will comply with the Australian Privacy Principles (“APPs”) in the Privacy Act (Cth) 1988 (“Privacy Act”), the Privacy Act, and, when applicable, the Credit Reporting Privacy Code (“CR Code”).

Words defined in the Privacy Act, the APPs and the CR Code have the same meaning when used in this policy.

Personal information that we collect and hold

We may collect personal information about you. This includes:

• Your name, current address details, previous address details, and landlord or mortgage details including address and phone number
• Date of birth, gender, and marital status
• Government identifiers such as driver licence number and passport details
• Email address and telephone/mobile numbers
• Financial information (including credit history), bank account and/or credit card details, and personal references
• Sensitive information about you in relation to insurance products or if you are seeking assistance with financial hardship

We collect information about your accounts and transactions with us. We may also collect information when you use our websites. Please refer to the websites section of this policy for further details.

If there is another applicant named in a credit application, you may need to provide their personal information. You should only give this information with their permission.

How we collect personal information

We collect personal information in different ways. Mainly we will collect information from you when you knowingly provide it to us by telephone, in person or in documentation such as an application form (which may be an online application). We also collect information when you make a request or enquiry of us.

We may also collect personal information from publicly available sources or third parties, such as a referee provided by you, a credit reporting body or other credit provider.

Why we collect, hold, use and disclose personal information

We collect, hold, use and disclose personal information about individuals when it is necessary for us to carry on our business functions or to comply with laws.

If you do not provide the information that we request, we may not be able to provide our services to you or provide them to the same standard.

We may collect, hold, use and disclose your personal information:

• To provide the information or service that you requested
• To answer your enquiry
• To enable us to develop, administer and manage our services and businesses
• To customise services to better meet your needs and preferences
• To assess your application and manage your account with us
• To compile a customer profile about you to serve you better
• To engage a credit reporting body to conduct a credit and reference check
• To assess your creditworthiness
• For billing purposes and collection of debts
• Statistical purposes
• Future promotional and marketing purposes including direct marketing purposes
• To inform you of special offers, promotions and competitions
• For research purposes to better improve our websites, products or services
• Any other customer support purposes
• To notify credit providers of a default by you of your agreement with us
• To advise credit providers of the status of your agreement with us, in circumstances where you are in default with credit providers
• To deal with complaints
• To enforce our rights when you are in breach
• When authorised or required by law. These laws include:
  • The Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), which requires us to collect personal information about you when verifying your identity
  • The National Consumer Credit Protection Act 2009 (Cth), which requires us to make inquiries about you when assessing an application for credit by you
  • The Personal Property Securities Act 2009 (Cth) if we take security over personal property, for the purpose of identifying you as the grantor and registering our security interest

When we may disclose your personal information to third parties

In carrying on our business we may provide your personal information to:

• Related companies
• Distributors and introducers of our products and services
• Credit reporting bodies
• Other credit providers and insurers
• Service providers including mailhouses, printers, call centres, marketing companies, and technology providers
• Government bodies
• Persons who act as your guarantor or who provide security for credit to you
• Debt collectors and assignees of your debts
• A recognised external dispute resolution scheme of which we are a member
• Our professional advisors, including our lawyers, auditors and accountants

We may disclose your personal information to third parties:

• To meet the purpose for which it was submitted
• If we have your consent to do so or otherwise when we are authorised by law
• If we are required by law to disclose the information

Overseas recipients

We will not disclose personal information about you to an overseas recipient.

We may also use cloud storage to store the personal information we hold about an individual. The cloud storage and IT servers may be located outside Australia. The country the cloud storage and IT servers are likely to be located is in New Zealand.

An individual may obtain more information about these overseas entities by contacting us.

Security

We will handle and store personal information held by us in accordance with our obligations under the Privacy Act.

We will take reasonable steps to:

• Make sure that the personal information we collect, use or disclose is accurate, complete and up to date
• Protect the information from misuse, interference, loss or unauthorised access, modification or disclosure both physically and through computer security methods
• Destroy or permanently de-identify the information if it is no longer needed for any purpose
• Preserve personal information provided to us. If your browser is configured to do so, it will advise if the information you are sending will be encrypted or unencrypted

Website

When you visit our website, we or agencies on our behalf and our internet service provider may monitor and make a record of your visit and log the following “clickstream data” for statistical purposes:

• Your server’s IP address
• Your top level domain name (for example .com, .gov, .au, etc.)
• The pages you accessed and any documents downloaded
• The previous site you have visited and the site you move to
• The type of browser and operating system you are using
• The date and time of your visit

For example, this information may be used to find out how the website is used and navigated, including the number of hits, the frequency and duration of visits and most popular session times, so that we may evaluate and improve our website’s performance.

The website may use cookies. A cookie is a message given to a web browser by a web server. The browser stores the message in a text file called cookie.txt. The message is then sent back to the server each time the browser requests a page from the server. Cookies are placed on your computer for the duration of a session and are used for session management purposes and do not contain any personal details. Periodically they can safely be deleted with no effect on future sessions. If you have configured your browser to reject all cookies, you will be able to view information-only pages on the website.

When you are on the website you could be directed to other sites that are beyond our control. These other sites may send their own cookies to users, collect data or solicit personally identifiable information. Our privacy policy does not apply to any third party websites. We have no control over the privacy practices or the content of any third party websites, and assume no liability for the privacy practices of these websites. You should therefore check the individual privacy policy of any third party when accessing other websites that may be linked to the website.

When you apply for credit with us, we may collect personal information about you, including information that we may potentially disclose to a credit reporting agency. In compliance with the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2024, we notify you of the following:

1. If we make an information request to a credit reporting agency regarding your suitability for a loan with us:
   1. Your consent is not required for this disclosure
   2. A record of the information request may be used by the credit reporting agency or other credit providers to assess your creditworthiness, including in calculating a credit score or credit rating
   3. Such an information request may have an impact on your credit score or credit rating, which is determined by the credit reporting body
2. The credit reporting agency may include the information we provide in reports that assist other credit providers in assessing your creditworthiness
3. You may obtain copies of:
   1. Our policy on the management of credit-related personal information
   2. The credit reporting body’s policy on the management of credit-related personal information, which is available directly from the credit reporting body

To ensure you have access to the most current information, you can request a copy of your credit information from the credit reporting bodies. You can do this by contacting us or contacting them directly using the following details:

Equifax Pty Ltd
Website: www.equifax.com.au
Phone: 13 83 32
Post: PO Box 964, North Sydney, NSW 2059

Illion Pty Ltd
Website: www.illion.com.au
Phone: 13 23 33
Post: PO Box 7405, St Kilda Road, Melbourne, VIC 3004

Experian Pty Ltd
Website: www.experian.com.au
Phone: 03 8622 1600
Post: Level 26, 2 Southbank Blvd, Southbank, VIC 3006

How to access and amend personal information

On request from you we will provide details of the personal information we hold about you. The release of information is subject to some exceptions such as information relating to existing or any anticipated legal proceedings, together with exceptions provided by the Privacy Act.

Unless unusual circumstances apply, we should provide access to you within 30 days of the request.

To protect your personal information, your request must be in writing and can be sent by letter or facsimile or email. All correspondence should be addressed to:

The Privacy Officer
Direct Finance Loans Pty Ltd
Fax: 02 8338 0006
Email: apply@directfinanceloans.com.au

We may charge a fee for providing access to your information when permitted by law.

We also aim to ensure that your personal information is accurate, up to date and complete. Amendment of personal information will be conducted upon written or verbal request from you, and if reasonable, will be corrected within 30 days. You can contact us on 1300 800 260 or write to The Privacy Officer to do this.

Complaints

If you have a complaint about your personal information, please contact the Privacy Officer using the contact details above.

We will try to resolve any complaint within 10 working days. If resolution is not possible within this timeframe we will contact you to discuss the matter further.

You also have the right under the Privacy Act to make a complaint to the Office of the Australian Information Commissioner (OAIC).

Mail: GPO Box 2999 CANBERRA ACT 2601
Tel: 1300 363 992
Website: www.oaic.gov.au
Email: enquiries@oaic.gov.au

Or refer directly to:

Australian Financial Complaints Authority (AFCA)
Mail: GPO Box 3 Melbourne VIC 3001
Tel: 1800 931 678
Fax: 03 9613 6399
Website: www.afca.org.au
Email: info@afca.org.au

Changes to this policy

This policy is subject to change over time without prior notice. We may amend this policy by updating this posting.

Copies of this policy

You can ask us to provide you with a copy of this policy, including a hard copy, by contacting us using the contact details above.

Date published: July 2026