01. Introduction

This policy explains how personal information is collected, used, stored, shared, and protected when you use financial services, submit an enquiry, or request assistance.

02. Information We Collect

We may collect your name, contact details, date of birth, residential address, employment information, income, financial circumstances, identification documents, and relevant application details.

03. Financial Information

Where necessary, we may collect bank details, credit information, existing financial commitments, transaction information, and other details required to assess a financial application.

04. Information You Provide

Information may be collected when you complete forms, request a quotation, submit an application, communicate with us, or provide documents during the application process.

05. How We Use Information

Information is used to assess applications, understand financial requirements, provide suitable services, process requests, manage accounts, and support ongoing customer relationships.

06. Affordability Assessment

Financial and employment information may be reviewed to assess affordability, eligibility, repayment capacity, and suitability for particular lending or insurance products.

07. Application Processing

Information may be used to prepare, submit, monitor, and administer applications with relevant lenders, insurers, brokers, payment providers, or other authorised financial partners.

08. Identity Verification

We may verify your identity using identification documents, verification services, fraud prevention systems, or other lawful methods required to protect customers and financial providers.

09. Credit Information

Where permitted, relevant credit information may be obtained from authorised credit reference agencies to support responsible lending, affordability checks, fraud prevention, and application assessment.

10. Information Sharing

Information may be shared with lenders, insurers, financial institutions, payment providers, credit agencies, professional advisers, service providers, and authorities where reasonably necessary.

11. Legal Requirements

Information may be disclosed when required by law, regulation, court order, regulatory authorities, fraud prevention obligations, or legitimate requests from authorised public bodies.

12. Fraud Prevention

Personal information may be used to detect, investigate, prevent, and report suspected fraud, financial crime, identity theft, misuse of services, or other unlawful activity.

13. Communications

We may contact you regarding applications, requested services, account administration, payment reminders, renewals, important updates, or other communications connected with your financial relationship.

14. Marketing Communications

Marketing communications are sent only where permitted by applicable law. You may request that promotional communications stop without affecting essential service-related communications.

15. Data Security

Reasonable technical, organisational, and administrative measures are used to protect personal information against unauthorised access, alteration, disclosure, loss, misuse, or destruction.

16. Data Retention

Personal information is retained only for as long as reasonably necessary to provide services, maintain records, satisfy legal obligations, resolve disputes, and meet regulatory requirements.

17. Third-Party Services

Some services may involve trusted third-party providers supporting identity checks, document processing, communications, technology, payment processing, compliance, or financial application administration.

18. Data Accuracy

You are responsible for providing accurate and current information. We may request additional information when necessary to verify, update, or complete your records.

19. Your Privacy Rights

Depending on applicable law, you may have rights to access, correct, restrict, object to, or request deletion of certain personal information we hold.

20. Consent Withdrawal

Where processing relies on consent, you may withdraw that consent. Withdrawal will not affect processing lawfully completed before the withdrawal request.

21. Cookies and Technology

Our website may use cookies and similar technologies to improve functionality, understand website usage, maintain security, and enhance the overall user experience.

22. Website Security

No online transmission or storage system can be guaranteed completely secure. Users should avoid submitting unnecessary confidential information through unsecured communication channels.

23. Children's Information

Our financial services are not generally intended for children. We do not knowingly collect personal information from children where collection is prohibited by applicable law.

24. Policy Updates

This policy may be updated when our services, legal obligations, technology, or data practices change. Updated versions will be made available through the relevant website or service.

25. Your Responsibilities

You should provide truthful information, protect documents and account credentials, and promptly notify the relevant service provider if you identify inaccurate or suspicious information.

26. International Transfers

Where information is transferred across borders, appropriate safeguards will be applied where required to protect personal information and comply with applicable privacy regulations.

27. Data Breaches

If a security incident affects personal information, appropriate investigation, containment, notification, and remediation measures will be taken where required by applicable law.

28. Privacy Enquiries

You may submit privacy-related requests concerning your personal information, including access, correction, restriction, objection, or deletion requests, subject to applicable legal requirements.