Legal

Privacy Policy

Last updated December 2024

“We”, “us” and “our” refer to Tim Taylor trading as Taylored Lending, Credit Representative Number 438539 of Finsure Finance and Insurance Pty Ltd, Australian Credit Licence Number 384704.

This Privacy Policy outlines how we collect, use, disclose and hold your personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and, where applicable, credit reporting obligations.

Why we collect personal information

We collect and hold personal information for purposes including assessing your application for finance, managing that finance, communicating with you, managing our relationship with you, direct marketing where permitted, and complying with legal and regulatory obligations.

Information we collect from you

The information we may collect includes your name, contact details, date of birth, residential or postal address, identity documents, employment details, income, assets, liabilities, expenses, bank account details and credit information.

If you apply for finance, we may also collect details such as the ages and number of dependants, your address history, proof of earnings and expenses, and information reasonably required to assess your finance application.

Information we collect from others

We may collect information from third parties where required or permitted, including credit reporting bodies, lenders, accountants, lawyers, finance brokers, identity verification services, public registers and other service providers.

How personal information is collected

Personal information is primarily collected directly from you. We may also collect information from authorised third parties or publicly available sources. If you provide information about another person, you must ensure they have consented to you providing that information to us.

Can you deal with us anonymously?

You can generally visit our website without identifying yourself. However, if you request credit assistance or services where identification is required by law, we may need to collect personal information from you.

How we use and disclose your personal information

We may use or disclose personal information to assess and manage finance applications, provide services, handle complaints, comply with laws, meet regulatory obligations and undertake direct marketing where permitted.

We may disclose information to lenders, prospective funders, aggregators, service providers, credit reporting bodies, professional advisers, identity verification services, regulators, law enforcement agencies, Finsure Finance and Insurance Pty Ltd, and other parties where required or authorised by law or where you have consented.

Direct marketing

From time to time, we may use your personal information to tell you about products, services or updates that may be relevant to you. You may opt out of direct marketing at any time by contacting us or using the unsubscribe option where available.

Credit information

Credit information is information used to assess your eligibility for finance and may include existing credit facilities, repayment history, defaults and information obtained from credit reporting bodies.

Security of collected information

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure. When personal information is no longer required, we take reasonable steps to destroy, delete or de-identify it, unless required by law to retain it.

Social media

We may receive and review information from social media platforms, including aggregate statistics and interactions with our social media pages.

Cross-border disclosure

Depending on the services provided, personal information may be disclosed to service providers or support functions located overseas, including the Philippines. Reasonable steps are taken to ensure overseas recipients handle information appropriately.

Access to and correction of personal information

You may request access to personal information we hold about you or request that it be corrected. We will respond within a reasonable time and may refuse access or correction only where permitted by law.

Lodging a question or complaint

If you have a question or complaint about how your personal information has been handled, please contact us using the details below. We will aim to investigate and resolve privacy complaints within 30 calendar days.

Notifiable data breaches

Where required by law, we will notify affected individuals and the Office of the Australian Information Commissioner of eligible data breaches likely to result in serious harm.

Changes to this Policy

This Policy may be updated from time to time. Material changes will be made available on this website.