Privacy Policy

Secure My Loans Effective Date: Wednesday, 12 March 2025

1. Introduction

Secure My Loans (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you use our website securemyloans.com.au and our services.

2. Collection of Personal Information

We collect personal information that is necessary to provide our services, including but not limited to:

• Name
• Contact details (phone number, email address, residential address)
• Financial details (income, expenses, assets, liabilities)
• Employment details
• Credit history and credit score
• Identification documents (driver’s licence, passport, etc.)

We collect personal information through:

• Online forms and loan applications
• Direct communications (phone, email, live chat)
• Third-party sources such as credit reporting agencies and financial institutions

3. Use of Personal Information

We use your personal information to:

• Assess your eligibility for loans and financial products
• Verify your identity
• Communicate with you regarding your loan application and related services
• Comply with legal and regulatory requirements
• Improve our website, services, and customer experience
• Provide marketing materials, offers, and promotions (with your consent)

4. Disclosure of Personal Information

We may disclose your personal information to:

• Financial institutions and lenders
• Credit reporting agencies
• Regulatory bodies as required by law
• Service providers assisting with our business operations (e.g., IT, marketing, legal services)
• Third parties with your explicit consent

We will not sell, rent, or trade your personal information to third parties for direct marketing purposes.

5. Credit Reporting Information

Because we arrange credit, we handle credit information and credit eligibility information. This is regulated by Part IIIA of the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code, in addition to the Australian Privacy Principles.

Credit reporting bodies. Credit information about you may be disclosed to, and obtained from, credit reporting bodies including Equifax Australia (equifax.com.au), Experian Australia (experian.com.au) and illion Australia (illion.com.au). Each of these bodies publishes a policy explaining how it manages credit reporting information. You can obtain a copy from its website or by contacting it directly.

Direct marketing pre-screening. You have the right to ask a credit reporting body not to use your credit reporting information to pre-screen you for direct marketing by a credit provider.

Banning access if you suspect fraud. If you believe you have been, or are likely to be, a victim of fraud, you have the right to ask a credit reporting body not to use or disclose your credit reporting information.

Correcting credit information. If you believe credit information we hold or have disclosed about you is inaccurate, out of date, incomplete, irrelevant or misleading, please contact us using the details below. We will investigate, consult the relevant credit reporting body or credit provider where necessary, and respond to you in writing within 30 days. If we do not correct the information, we will tell you why and explain how you can escalate the matter.

Disclosure of your information overseas. Some service providers we rely on — including cloud hosting, email, document storage and customer relationship management systems — may store or process information on servers located outside Australia, including in the United States and the European Union. Where this occurs we take reasonable steps to ensure the recipient handles your information in a way consistent with the Australian Privacy Principles.

6. Security of Personal Information

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

• Secure data storage and encryption
• Restricted access to personal information
• Regular cybersecurity assessments

7. Cookies and Tracking Technologies

We use cookies and tracking technologies on our website to improve user experience, analyse website traffic, and provide relevant content. You can manage cookie preferences through your browser settings.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external websites and encourage you to review their privacy policies.

9. Access and Correction of Personal Information

You have the right to access and correct the personal information we hold about you. To request access or updates, please contact us at info@securemyloans.com.au

10. Complaints and Contact Information

If you have any concerns or complaints regarding how we handle your personal information, please contact us at:

Secure My Loans
Email: info@securemyloans.com.au
Phone: 1800 112 807
Address: Norman Street, Southport QLD 4215

We aim to resolve all privacy-related complaints promptly and in accordance with the Australian Privacy Act 1988.

If you are not satisfied with our response. You may complain to the Office of the Australian Information Commissioner (OAIC), which is the independent regulator for privacy in Australia. OAIC: GPO Box 5218, Sydney NSW 2001 · 1300 363 992 · oaic.gov.au. If your concern relates to credit information, you may also refer the matter to the Australian Financial Complaints Authority (AFCA) at no cost to you: 1800 931 678 · afca.org.au.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.