Privacy Policy

Last updated: 1 January 2025

Alloans Lending Pty Ltd (ABN 84 702 769 551), trading through https://alloanslending.online, is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This policy explains how we collect, hold, use and disclose personal information.

1. Who we are

Alloans Lending Pty Ltd is a lending and financial services business based in Melbourne, Victoria. You can contact us about this policy at ceo@alloanslending.online.

2. The types of personal information we collect

We only collect personal information that is reasonably necessary for our lending and financial services. Depending on the service you request, this may include:

• Your name, date of birth and contact details (email address, residential address);
• Identification documents required under Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) laws;
• Financial information, including income, employment details, assets, liabilities and credit history;
• Information you provide when submitting an enquiry, quote request or application through our website;
• Communication records, including emails and correspondence you send us;
• Website usage data collected through cookies and analytics tools.

We do not collect sensitive information (such as health or criminal record information) unless it is reasonably necessary for our functions, you consent, and we handle it in accordance with the APPs.

3. How we collect personal information

We generally collect personal information directly from you, for example when you complete a form on this website, send us an email, or speak with our team. In some cases, we may collect information from third parties, such as credit reporting bodies, referees, employers or financial institutions, where you have authorised us to do so or where we are permitted by law.

4. Why we collect and use personal information

We collect, hold, use and disclose personal information for purposes including:

• Assessing and processing loan enquiries, quotes and applications;
• Verifying your identity as required by law;
• Providing and improving our lending and financial services;
• Managing our relationship with you and communicating with you;
• Complying with legal and regulatory obligations, including under the Privacy Act 1988, AML/CTF laws and consumer credit legislation;
• Internal record keeping, risk management and business analysis.

We will not use or disclose your information for a purpose other than the primary purpose of collection unless you consent, you would reasonably expect us to do so, or the law permits it.

5. Disclosure of personal information

We may disclose your personal information to:

• Lenders, funders and credit providers in connection with your application;
• Service providers who assist us, such as IT, hosting, identity verification, payment and professional advisers (accountants, lawyers, auditors);
• Credit reporting bodies where permitted under the Privacy Act;
• Government agencies, regulators or courts where required or authorised by law.

Some of our service providers may be located outside Australia. Where we disclose personal information overseas, we take reasonable steps to ensure the recipient complies with the APPs or is bound by equivalent safeguards.

6. Credit information

Where you apply for credit or a loan product through us, we may collect and disclose credit information in accordance with Part IIIA of the Privacy Act 1988. This may include information about your credit history provided by or to credit reporting bodies and other credit providers. You have rights to access this information and to request corrections, as set out below.

7. Cookies and website analytics

Our website uses cookies and similar technologies to improve your browsing experience, analyse website traffic and remember your preferences. You can adjust your browser settings to decline cookies; however, some features of the website may not function properly as a result.

8. Security of personal information

We take reasonable steps to protect personal information we hold from misuse, interference, loss and unauthorised access, modification or disclosure. This includes access controls, secure data storage and staff training. When information is no longer required, and we are not required to retain it by law, we take reasonable steps to destroy or de-identify it.

9. Access to and correction of your personal information

You have the right to request access to the personal information we hold about you and to request corrections if it is inaccurate, out of date, incomplete, irrelevant or misleading. To make a request, email us at ceo@alloanslending.online. We will respond within a reasonable period and may ask you to verify your identity. We will not charge you for making a request.

10. Making a privacy complaint

If you believe we have breached the APPs or this policy, please contact us at ceo@alloanslending.online with details of your complaint. We will acknowledge and investigate your complaint promptly and respond within a reasonable timeframe. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) via www.oaic.gov.au.

11. Notifiable data breaches

In the event of an eligible data breach that is likely to result in serious harm to any individual whose information is involved, we will comply with the Notifiable Data Breaches scheme, including assessment of the breach and notification to affected individuals and the OAIC where required.

12. Changes to this policy

We may update this Privacy Policy from time to time. The current version will always be available on this page, and the "last updated" date will reflect any changes. Continued use of our website or services after changes are published constitutes acceptance of the updated policy.

13. How to contact us

For any questions about this Privacy Policy or how we handle your personal information, please contact:

Alloans Lending Pty Ltd
ABN 84 702 769 551
Melbourne VIC, Australia
Email: ceo@alloanslending.online
Website: alloanslending.online