Privacy Policy

The Lending Alliance (“The Lending Alliance”, “we”, “our” or “us”) is committed to protecting your privacy and managing your personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and applicable credit reporting laws.

The Lending Alliance is an authorised credit representative of Australian Finance Group Ltd (AFG). In providing credit assistance and related financial services, we may collect, use, hold and disclose personal information and credit-related information in accordance with this Privacy Policy and the AFG Privacy Policy.


values and respects the privacy of the people we deal with. The Lending Alliance is committed to protecting your privacy and complying with the Privacy Act 1988 (Cth) (Privacy Act) and other applicable privacy laws and regulations.

This Privacy Policy (Policy) describes how we collect, hold, use and disclose your personal information, and how we maintain the quality and security of your personal information.

What Information We Collect

We may collect personal information that is reasonable necessary for our business functions and activities, including:

• Name, date of birth and contact details

• Identification information

• Employment information

• Financial information and banking details

• Asset and liability information

• Taxation and income information

• Credit information and credit eligibility information

• Sensitive information where relevant to the provision of our services

• Information relating to financial hardship, vulnerabilities or personal circumstances disclosed by you

• Information obtained through telephone calls, video conferences, online meeting or electronic communications

We may collect this information directly from you, your authorised representatives, financial institutions, credit reporting bodies, employers, accountants, solicitors, conveyancers, real estate agents and other third parties authorised by you.

We collect, use and hold personal information for the purposes of:

• Providing credit assistance services

• Arranging or assisting with finance applications

• Assessing your lending requirements

• Applying for credit on your behalf

• Refinancing existing lending arrangements

• Arranging insurance products where requested

• Verifying your identity

• Meeting regulatory and compliance obligations

• Managing our relationship with you

• Operating our business

• Conducting annual lending and portfolio reviews

• Providing information about products and services that may be of interest to you

• Any purpose otherwise authorised or required by law

If you choose to provide requested information, we may not be able to provide our services or assist with finance applications.

Credit Information

We may collect, hold, use and disclose credit information and credit eleibility information for the purpose of providing credit assistance and arranging finance.

This may include:

• Credit account information

• Credit application information

• Repayment history information

• Default information

• Financial hardship information

• Credit enquiries

• Court judgements

• Personal insolvency information

• Information obtained from credit reporting bodies and credit providers
  

With your authority, we may obtain and exchange credit information and credit eligibility information with lenders, credit providers and credit reporting bodies to assess and facilitate finance applications.

Who We May Disclose Your Information To

We may disclose your personal information and credit-related information to:

• Lenders and credit providers

• Mortgage insurers

• Credit reporting bodies

• Australian Finance Group Ltd and associated entities

• Accountants, financial advisers and lawyers

• Conveyancers and solicitors

• Real estate agents where authorised by you

• Government agencies and regulators

• Courts and tribunals

• Identity verification providers

• Information technology providers

• Cloud storage providers

• Contractors and professional service providres

• Any person or organisation where disclosure is authorised by you or required by law

We only disclose information that is reasonably necessary for the purpose for which it is provided.