A.C.N. 693 190 608 PTY LTD
Credit Representative Number 574854
Unit 3, 33–37 Duerdin Street, Notting Hill VIC 3168
(“we”, “our”, “us”, “the Company”)
1. Overview
We respect your privacy and are committed to handling your personal information responsibly. This Privacy Policy explains how we collect, use, store, disclose, and protect your data across all websites operated by:
This website operates under A.C.N. 693 190 608 PTY LTD.
We comply with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), credit reporting regulations, Anti-Money Laundering and Counter-Terrorism Financing laws, and all applicable financial services legislation.
As an Introducer Appointed Credit Representative of ACL 558796, we:
- are not a lender,
- are not a broker, and
- do not provide credit assistance or lending recommendations.
Our role is limited to securely referring your information to licensed lenders or authorised credit representatives who may assess you for credit.
2. Information We Collect
We collect information necessary to identify you, understand your enquiry, and refer you to an appropriate credit provider. This may include:
2.1 Personal Identification
- Full name
- Date of birth
- Residential address and contact information
- Identity verification data (e.g., licence or government-issued details)
2.2 Financial and Employment Information
- Employment status, income details
- Bank account information and financial obligations
- Spending behaviours and transaction history (via secure read-only services)
2.3 Application & Interaction Information
- Loan enquiry details
- Supporting documents you upload
- Browsing and usage data from our websites
- Communications and customer service history
2.4 Sensitive Information
We may collect limited sensitive information (e.g., hardship-related health details) only with your explicit consent and where legally permissible.
2.5 Digital and Technical Information
- Device type, browser, IP address
- Website analytics, cookies, session tracking
- Advertising pixels (e.g., Google and Meta), if used
- Behavioural and performance data to improve services
3. How We Use Your Information
We use personal information for purposes including:
- Verifying your identity
- Assessing general suitability for referral to a lender
- Sending your information to licensed lenders or credit representatives
- Communicating about your enquiry, updates, or follow-up requirements
- Meeting legal, regulatory, and compliance obligations
- Preventing fraud, misconduct, or unauthorised activity
- Conducting analytics, website optimisation, and service improvements
- Providing marketing communications where consent has been given
We do not assess your creditworthiness, approve loans, or make lending decisions.
4. Bank Statement & Transaction Data Access
To evaluate your financial situation and match you to potential lenders, we may use independent, secure, read-only bank-statement retrieval services such as:
- Illion
- Credit Sense
- Basiq
These services operate under strict security controls and:
- Do not provide us with your banking passwords or login credentials
- Provide read-only access to transaction data
- Are fully independent from us
- Restrict use of your financial data to identity verification and financial overview purposes only
We do not store or access your online banking credentials at any time.
5. Disclosure of Personal Information
We may share your information only as necessary and only with parties that meet Australian legal and privacy requirements.
5.1 Third-Party Recipients Include
- Licensed lenders and authorised credit representatives
- Identity and bank-data verification providers
- Technology, hosting, analytics, and security services
- Legal, accounting, and compliance professionals
- Regulators, law enforcement, and government agencies when legally required
5.2 Referral to Lenders
If we cannot match you to a suitable lender internally, we may securely share your application information – including supporting documents and transaction data—with trusted credit licensees or representatives who:
- Hold an Australian Credit Licence, or
- Are authorised credit representatives
- Are members of AFCA
These parties must handle your information under the Privacy Act and their own privacy policies.
5.3 Overseas Disclosure
Some technology and cloud providers may store data overseas. We engage only providers with robust security frameworks and equivalent privacy protections.
5.4 We Do Not Sell Personal Information
Your information will never be sold, traded, or disclosed for unrelated purposes.
6. Automated Systems & Profiling
To improve service efficiency, we may use automated tools to:
- Identify general eligibility indicators
- Categorise applicants
- Pre-match enquiries to potential lenders
These tools do not determine loan approvals or credit outcomes.
7. AML/CTF Compliance
We may verify identity documents through approved verification systems for Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) compliance. This may involve checking your data with government or authorised verification providers.
8. Data Retention & Destruction
We retain personal information only for as long as required by:
- Legislation (including financial services record-keeping obligations)
- Business needs
- Dispute resolution and compliance requirements
Once no longer needed, information is securely deleted, archived, or anonymised.
9. Security Measures
We use multiple layers of security to safeguard information, including:
- Encrypted storage and data transfer
- Multi-factor authentication for internal systems
- Regular system testing and security assessments
- Access controls restricting data to authorised personnel
- Secure offsite and cloud backups
If a notifiable data breach occurs, we will contact affected individuals and the Office of the Australian Information Commissioner (OAIC) in line with legal requirements.
10. User Responsibilities
You agree to:
- Provide accurate and truthful information
- Not submit personal information of others without consent
- Maintain security of your devices and accounts
- Understand that loan decisions are made independently by lenders
11. Cookies & Online Tracking
We use cookies, analytics tools, and tracking technologies to improve website performance and user experience. You may disable cookies in your browser; however, some features may not function correctly.
12. Children’s Privacy
Our services are intended for adults (18+). We do not knowingly collect data from minors.
13. Anonymised Data
We may use de-identified data for analytics, reporting, or improving services. This data cannot identify you.
14. Business Transfer or Restructure
If we undergo a merger, acquisition, or restructure, personal information may be transferred to the new entity, subject to the same privacy protections.
15. Accessing or Correcting Your Information
You may request access to, or correction of, your personal information at any time. We generally respond within 30 days.
If we refuse a request, we will explain why and outline further options available to you.
16. Marketing Communications
With your consent, we may contact you by email, SMS, phone, or messaging apps.
You can opt out of marketing at any time.
Service-related communications may still be sent when necessary.
17. Complaints
If you have a concern about how your information has been handled:
Step 1 – Contact Us
Privacy Officer
Email: hello@getaloan.com.au
Step 2 – If Unresolved
You may contact:
- Australian Financial Complaints Authority (AFCA)
Member No. 119579 and 117282
(depending on the relevant entity) - Office of the Australian Information Commissioner (OAIC)
oaic.gov.au
18. Changes to This Policy
We may update this Privacy Policy periodically. The latest version will always be available on our websites.
19. Contact Details
Privacy Officer
A.C.N. 693 190 608 PTY LTD
Unit 3, 33–37 Duerdin Street
Notting Hill VIC 3168
Email: hello@urgentloans.com.au