Privacy Policy

Lawfunder is committed to providing quality services to you and this policy outlines our ongoing obligations to you in respect of how we manage your Personal Information.

We have adopted the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) (the Privacy Act), and when applicable, the Credit reporting Privacy code (“CR Code”) The NPPs govern the way in which we collect, use, disclose, store, secure and dispose of your Personal Information.

A copy of the Australian Privacy Principles may be obtained from the website of The Office of the Australian Information Commissioner at www.aoic.gov.au

What is Personal Information and why do we collect it?

Personal Information is information or an opinion that identifies an individual. Examples of

What Personal Information do we collect?

Personal Information we may collect about you includes:

• Your name, email address, phone and facsimile number
• Your gender, marital status and date of birth
• Mortgage or Landlord details and current and previous addresses
• Employment history including current and previous employers address and contact details
• Drivers licence and passport details
• Your credit history, bank account, credit card details and other financial history
• Personal references
• Information that may be sensitive e.g. if you have sought help on account of financial hardship
• Your account and transaction history with us
• When you use our website
• Information from publicly available sources or third parties
• Information we get from you, in person, or by telephone or email or through online forms and other documentation (e.g. a credit application)

This Personal Information is obtained in many ways including by correspondence, by telephone and facsimile, by email, our website, from your website or other digital platforms, from media and publications, from other publicly available sources, from cookies- and from third parties. We don’t guarantee website links or policy of authorised
third parties.

We collect your Personal Information for the primary purpose of providing our services to you, providing information to our clients and marketing. We may also use your Personal Information for secondary purposes closely related to the primary purpose, in circumstances where you would reasonably expect such use or disclosure. You may unsubscribe from our mailing/marketing lists at any time by contacting us in writing.

When we collect Personal Information, we will, where appropriate and where possible, explain to you why we are collecting the information and how we plan to use it.

Why do we collect it?

We collect it to:

• Enable us to comply with the laws and carry out our business.
• Answer your queries
• Ascertain if we can provide you with the services you seek by checking on your creditworthiness
• Compile a client profile on you
• Notify credit providers of the status of your agreement with us, and any default by you of your agreement with us
• Enable us to enforce our rights in the event of a breach by you,
• Comply with the law

Sensitive Information

Sensitive information is defined in the Privacy Act to include information or opinion about such things as an individual\’s racial or ethnic origin, political opinions, membership of a political association, religious or philosophical beliefs, membership of a trade union or other professional body, criminal record or health information.

Sensitive information will be used by us only:

• For the primary purpose for which it was obtained
• For a secondary purpose that is directly related to the primary purpose
• With your consent, or where required or authorised by law.

Third Parties

Where reasonable and practicable to do so, we will collect your Personal Information only from you. However, in some circumstances we may be provided with information by third parties. In such a case we will take reasonable steps to ensure that you are made aware of the information provided to us by the third party.

You acknowledge and agree that we may collect personal information about you from the following sources: –

• Credit reporting bodies
• Other creditor providers
• Any solicitor or legal representative nominated by you.

Disclosure of Personal Information

You agree that your Personal Information may be disclosed to third parties in a number of circumstances including the following:

• where required or authorised by law; and
• Third parties where you consent to the use or disclosure;

You acknowledge and agree that we may disclose personal information about you to the following sources:-

• Credit reporting bodies such as Equifax, GPO Box 964, NORTH SYDNEY NSW 2059.Tel:13 8332
• Other creditor providers
• Insurers
• Government bodies
• Anyone who acts as your guarantor or who provides security for you
• Related companies of ours
• Distributors/introducers of our products and services
• Debt collectors and assignees of your debtslip
• External dispute resolution schemes where we are a member
• Our own lawyers or accountants

We will not disclose your sensitive information to any third parties.

Security of Personal Information

Your Personal Information is stored in a manner that reasonably protects it from misuse and loss and from unauthorized access, modification or disclosure.

When your Personal Information is no longer needed for the purpose for which it was obtained, we will take reasonable steps to destroy or permanently de-identify your Personal Information. However, most of the Personal Information is or will be stored in client files which will be kept by us for a minimum of 7 years.

Whether we supply your personal information to overseas recipients

We do not supply your personal information to overseas recipients as part of our information technology systems.

Access to your Personal Information

You may access the Personal Information we hold about you and to update and/or correct it, subject to certain exceptions. If you wish to access your Personal Information, please contact us in writing.

Lawfunder will not charge any fee for your access request but may charge an administrative fee for providing a copy of your Personal Information.

In order to protect your Personal Information, we may require identification from you before releasing the requested information.

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

Mail:

The Privacy Officer
Lawfunder
15A London Road, Clayfield Qld 4011

Phone: 1300 244 529

Email: admin@lawfunder.com.au

Our objective is to respond to any request within a reasonable timeframe.

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. You can contact us on Tel: (07) 5408 7629 or write to The Privacy Officer to do this.

Maintaining the Quality of your Personal Information

It is an important to us that your Personal Information is up to date. We will take reasonable steps to make sure that your Personal Information is accurate, complete and up to date. If you find that the information we have is not up to date or is inaccurate, please advise us as soon as practicable so we can update our records and ensure we can continue to provide quality services to you.

Failing to provide personal information

If you choose not to provide the personal information, we need to assess your credit application and then we may not be able to assist you with our loan services.

Policy Updates

This Policy may change from time to time and is available on our website.

Privacy Policy Complaints and Enquiries

If you have any queries or complaints about our Privacy Policy, please contact us at:

Mail: