Introduction

This Privacy Policy explains how we collect, use, disclose, and protect your personal information. By using our website and services, you consent to the practices described in this policy. We are bound by the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth).

Information We Collect

We may collect the following types of personal information:

• Name, date of birth, and contact details (address, phone, email)
• Employment details and income information
• Financial information including assets, liabilities, and expenses
• Identification documents (driver's licence, passport)
• Credit history and credit report information
• Information about the purpose of the finance (vehicle, equipment details)
• Business details (ABN, business structure, financial statements)
• Website usage data (IP address, browser type, pages visited)

How We Use Your Information

We use your personal information to:

• Assess your finance application and creditworthiness
• Submit applications to lenders on your behalf
• Provide you with quotes, comparisons, and recommendations
• Communicate with you about your application and services
• Comply with legal and regulatory obligations
• Improve our website and services
• Send you marketing communications (with your consent)

Third-Party Disclosure

We may disclose your personal information to:

• Lenders and financial institutions for the purpose of assessing your application
• Credit reporting bodies (Equifax, Illion, Experian)
• Our aggregator, National Finance Group Pty Ltd, under whose licence we operate
• Valuers, insurers, and solicitors involved in the lending process
• Government and regulatory bodies as required by law
• Our professional advisers (accountants, lawyers)
• Technology service providers who assist in operating our business

We will not sell your personal information to third parties for marketing purposes. We take reasonable steps to ensure third parties protect your information.

Open Banking & Consumer Data Right

We may request access to your financial data through the Consumer Data Right (CDR) framework, also known as Open Banking. This allows us to access your banking data directly (with your express consent) to streamline your application process. CDR data is handled in accordance with the Competition and Consumer Act 2010 and the CDR Rules. You can withdraw your consent to CDR data sharing at any time.

Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. Security measures include:

• Encryption of data in transit (SSL/TLS) and at rest
• Access controls and authentication requirements for staff
• Regular security assessments and updates
• Secure document storage and destruction procedures
• Staff training on privacy and data security

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by law (typically 7 years after the last interaction).

Access & Correction

You have the right to access the personal information we hold about you and request corrections if it is inaccurate, out of date, incomplete, or misleading. To request access or correction, please contact our Privacy Officer at hello@yourfinanceguide.com.au. We will respond to your request within 30 days.

Cookies & Tracking

Our website uses cookies and similar tracking technologies to improve your experience, analyse website traffic, and understand how visitors interact with our site. You can manage cookie preferences through your browser settings. Disabling cookies may affect some website functionality.

Marketing Communications

We may send you marketing communications about our products and services with your consent. You can opt out of marketing communications at any time by clicking the unsubscribe link in our emails or contacting us at hello@yourfinanceguide.com.au. Opting out of marketing will not affect service-related communications.

Privacy Complaints

If you believe we have breached the Australian Privacy Principles, you can make a complaint to our Privacy Officer at complaints@yourfinanceguide.com.au. We will investigate your complaint and respond within 30 days.

If you are not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or by calling 1300 363 992.

Contact Us

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The updated policy will be posted on this page with the revision date. We encourage you to review this policy periodically.

Last updated: February 2026