Privacy Policy

Our Commitment to Privacy

Shreeji Finance Pty Ltd ("we", "us", "our") 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 Privacy Policy explains how we collect, use, disclose, and protect your personal information.

What Personal Information Do We Collect?

The types of personal information we may collect include:

Identity Information

• Full name, date of birth, and gender
• Contact details (address, phone number, email)
• Driver's licence number or passport details
• Proof of identity documents

Financial Information

• Employment details and income information
• Bank statements and transaction history
• Assets and liabilities
• Credit history and credit scores
• Tax file number (when required)
• Details of existing loans and financial commitments

Other Information

• Details of your financial needs and objectives
• Property information (for property-related loans)
• Information from your interactions with us (calls, emails, meetings)
• Website usage data (cookies, IP addresses, browsing behavior)

How Do We Collect Your Information?

We collect personal information directly from you through:

• Application forms and loan applications
• Telephone conversations, emails, and face-to-face meetings
• Our website, including contact forms and calculators
• Documents you provide (ID, bank statements, payslips)

We may also collect information from third parties such as:

• Credit reporting bodies
• Your referees or guarantors
• Your employer (to verify employment)
• Government agencies and registries
• Lenders and financial institutions
• Your accountant or financial advisor (with your consent)

Why Do We Collect Your Information?

We collect and use your personal information to:

• Assess your loan application and provide credit assistance
• Submit loan applications to lenders on your behalf
• Verify your identity and prevent fraud
• Comply with legal and regulatory obligations
• Provide you with information about our services
• Improve our services and customer experience
• Manage our relationship with you
• Handle complaints and resolve disputes

Who Do We Share Your Information With?

We may disclose your personal information to:

Lenders and Financial Institutions

We share your information with lenders to process your loan application. This may include banks, credit unions, and other financial institutions on our lender panel.

Service Providers

• IT service providers and cloud storage providers
• Professional advisors (lawyers, accountants, auditors)
• Marketing and communication service providers
• Document verification services

Credit Reporting Bodies

We may disclose your information to credit reporting bodies to check your credit history and assess your creditworthiness.

Government Agencies

We may disclose information to government agencies as required or authorized by law, including:

• Australian Securities and Investments Commission (ASIC)
• Australian Taxation Office (ATO)
• Law enforcement agencies

Other Third Parties

• Mortgage aggregators and licensees
• Referral partners (with your consent)
• Your nominated representatives

Direct Marketing

We may use your contact details to send you information about our services, special offers, and industry news that we believe may be of interest to you. This may include:

• Email newsletters and updates
• SMS notifications
• Postal mail
• Phone calls

You can opt-out of receiving marketing communications at any time by:

• Clicking the "unsubscribe" link in our emails
• Replying "STOP" to SMS messages
• Contacting us directly at [email protected]

How We Protect Your Information

We take the security of your personal information seriously and implement reasonable measures to protect it from misuse, interference, loss, unauthorized access, modification, or disclosure. These measures include:

• Secure storage of physical and electronic records
• Password-protected systems and encrypted communications
• Regular security assessments and updates
• Staff training on privacy and data protection
• Restricted access to personal information on a need-to-know basis
• Secure destruction of information when no longer required

Overseas Disclosure

Some of our service providers may be located overseas or store data on overseas servers. We take reasonable steps to ensure that overseas recipients handle your information in accordance with Australian privacy laws. Countries where your information may be disclosed include:

• United States (cloud storage providers)
• Other countries as required for specific services

Your Rights

Under the Privacy Act, you have the right to:

Access Your Information

You can request access to the personal information we hold about you. We will provide access unless there is a legal reason not to (e.g., it would unreasonably affect another person's privacy).

Correct Your Information

If you believe any information we hold about you is inaccurate, out-of-date, incomplete, or misleading, you can request that we correct it.

Make a Complaint

If you have a complaint about how we have handled your personal information, please contact us first. See our Compliments and Concerns page for our complaint handling process.

Cookies and Website Analytics

Our website uses cookies and similar technologies to:

• Remember your preferences
• Improve website functionality
• Analyze website traffic and user behavior
• Enhance your browsing experience

You can control cookies through your browser settings. However, disabling cookies may affect your ability to use certain features of our website.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, or as required by law. Generally, we retain:

• Client records for 7 years after the end of our relationship
• Loan application records as required under credit legislation
• Financial records for taxation purposes (typically 7 years)

After the retention period, we will securely destroy or de-identify your information.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

Changes to This Privacy 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 our website with a new "Last Updated" date. We encourage you to review this policy periodically.

Credit Reporting

We may collect, use, and disclose your credit-related personal information in accordance with Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code. For more information about credit reporting, please refer to our Credit Guide provided during the loan application process.

Contact Us

If you have any questions about this Privacy Policy, wish to access or correct your personal information, or make a complaint, please contact us:

External Dispute Resolution

If you are not satisfied with our response to your privacy complaint, you may contact:

Office of the Australian Information Commissioner (OAIC)

• Website: www.oaic.gov.au
• Phone: 1300 363 992
• Email: [email protected]

Related Documents: Please also refer to our Disclaimer and Compliments and Concerns procedure.