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PRIVACY POLICY

Personal information
EasyLend takes its obligations under the Privacy Act 1988 (Cth) seriously and takes all reasonable steps to comply with the Act and protect the privacy of the personal information that we hold.
We may collect personal information about you such as your name, address, telephone number, email, date of birth, and financial information (such as details of your income, expenses, assets, liabilities, employment, credit history, and credit file information).
This information is collected to assist us in providing you with credit assistance and to comply with our legal obligations.
EasyLend will generally collect your personal information directly from you or from your authorised representative.
Sometimes we may collect personal information about you from other sources such as your accountant, employer, other lenders, or credit reporting bodies.
You have the right not to provide us with your personal information. However, if you do not provide us with the information requested, we may not be able to provide you with credit assistance or other services.

The purposes for which personal information is collected
We collect, hold, use and disclose your personal information for the following purposes:

  • to assess your credit application and financial situation;

  • to provide you with credit assistance and related services;

  • to assist you with inquiries, complaints or feedback;

  • to comply with our legal obligations;

  • to manage our relationship with you.
    We may also use your personal information for other purposes permitted or required by law, including the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).

Disclosure of personal information
We may disclose your personal information to third parties for the purposes outlined above. These third parties may include:

  • lenders, credit providers and mortgage insurers;

  • credit reporting bodies;

  • your representatives (including your accountant, solicitor, or financial adviser);

  • government authorities and regulators, where required or authorised by law;

  • our service providers and contractors (e.g., IT, administration, marketing and professional service providers);

  • any other person or entity with your consent.

Credit Reporting
When you apply for credit assistance, we may collect and disclose your credit-related personal information from or to credit reporting bodies such as Equifax, Experian, or illion.
This may include information about your credit worthiness, credit standing, credit history, and credit capacity.
We may also disclose your personal information to these bodies to obtain a credit report about you.
These credit reporting bodies may include the information we provide them in reports to other credit providers.

Access to and correction of personal information
You may request access to the personal information we hold about you at any time. If the information we hold is incorrect, incomplete, or not up to date, please let us know and we will take reasonable steps to correct it.
To make an access or correction request, please contact us using the contact details below.
We will respond to your request within a reasonable period. In some cases, we may charge a fee to cover the cost of providing the information.

Security of personal information
We take reasonable steps to protect the personal information we hold from misuse, interference and loss, and from unauthorised access, modification, or disclosure.
We hold personal information in both hard copy and electronic forms, in secure databases.
Where information is held electronically, it is stored on secure servers with access controls.

Direct marketing communications
We may use your personal information to send you marketing messages, either by email, SMS or other means. You may opt out of receiving these communications at any time by contacting us or using the unsubscribe facility in our messages.

Overseas disclosure of personal information
In some cases, we may need to disclose your personal information to entities located outside Australia (such as cloud service providers or other third parties who support our operations).
We will take reasonable steps to ensure that any overseas recipients of your personal information comply with the Privacy Act.

Cookies and our website
We may collect information using cookies when you use our website. Cookies are small text files placed on your device to help us recognise repeat users and compile data about site traffic.
You can choose to reject cookies by changing your browser settings, but this may impact your website experience.

Complaints and concerns about your privacy
If you have a complaint about how we handle your personal information or our compliance with the Privacy Act, please contact us:

We will acknowledge your complaint promptly and aim to resolve it within a reasonable time. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

Changes to this Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be published on our website.
We encourage you to check our website regularly for any updates.

Contacting us
If you have any questions about this Privacy Policy or the way we handle your personal information, please contact us.