About this Policy
Credit Connect Group (we, us or our) recognises the importance of protecting your privacy and is committed to 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 store your personal information, and how you can access or correct it.
Who we are
This policy applies to entities within the Credit Connect Group, including:
- Credit Connect Capital Ltd (ACN 104 081 192) – AFSL 230173
- Credit Connect Finance Pty Ltd (ACN 113 576 891) – ACL 396190
Different entities within the group provide different services.
What personal information we collect
We may collect and hold personal information about you, including:
- identity information (e.g. name, date of birth)
- contact details (e.g. address, email, phone number)
- financial and investment information
- credit-related information
- identification documents (e.g. passport, driver licence)
- transaction information
- information about your interactions with us
We may also collect sensitive information where required by law, including information used to verify your identity or assess compliance risks.
How we collect personal information
We collect personal information:
- directly from you (e.g. forms, applications, phone, email, website)
- through our website, including cookies and analytics tools
- from third parties, including:
- brokers, introducers or advisers
- credit reporting bodies
- financial institutions
- public registers (e.g. company or land title records)
- identity verification providers
Where reasonable, we will collect personal information directly from you. Where we collect it from third parties, we will take reasonable steps to notify you where required.
Anonymity
Due to the nature of our services, you will generally not be able to interact with us anonymously or using a pseudonym, as we are required to verify your identity under applicable laws, including the AML/CTF Act.
Where lawful and practicable, you may interact with us anonymously (for example, general enquiries).
Why we collect personal information
We collect and use your personal information for purposes including:
- providing financial and credit services to you
- processing applications and transactions
- verifying your identity and conducting customer due diligence
- complying with legal and regulatory obligations (including AML/CTF requirements)
- managing our relationship with you
- administering and operating our business
- improving our products, services and website functionality
- communicating with you, including providing information about our services (where permitted by law)
This may include facilitating lending, investment and related financial transactions between parties.
If you do not provide certain information, we may be unable to provide services or respond effectively to you.
Customer Due Diligence (AML/CTF) Collection Notice
As a reporting entity under the Anti‑Money Laundering and Counter‑Terrorism Financing Act 2006 (Cth), we are required to collect and verify certain information about our customers.
Why we collect your information
We collect your personal information to:
- verify your identity before providing services
- assess and manage money laundering, terrorism financing and other compliance risks
- conduct ongoing customer due diligence and transaction monitoring
- report matters to AUSTRAC as required by law
- meet record-keeping obligations
What personal information we collect
We may collect:
- your full name, date of birth and residential address
- identification details (e.g. passport or driver licence)
- contact details
- financial and transaction information
- information about your source of funds or wealth
We may also collect sensitive information, including:
- whether you are a politically exposed person (PEP)
- information relating to your occupation or business activities
How we collect this information
We collect this information:
- directly from you
- through electronic identity verification providers
- from third parties such as brokers, advisers, financial institutions and public registers
Who we share your information with
We may disclose your information for these purposes to:
- service providers assisting with identity verification and compliance
- related entities within our group
- lenders, borrowers or transaction counterparties (where relevant)
- regulators and government agencies, including AUSTRAC
Some providers may be located overseas. We take reasonable steps to ensure your information is handled in accordance with Australian privacy laws.
What happens if you do not provide information
If you do not provide us with your personal information, we may not be able to verify your identity and provide you (or the person you are acting on behalf of) with the services you have requested or effectively respond to your enquiries.
Use and disclosure of personal information
We generally use and disclose personal information for the purpose for which it was collected. This may include sharing information where necessary to facilitate financial transactions or services you request.
We may disclose your personal information to:
- related entities within our group
- lenders, borrowers, investors or counterparties
- service providers (including IT, administration and data storage providers)
- professional advisers (e.g. legal, audit, accounting)
- regulators and government agencies (including ASIC and AUSTRAC)
- other parties where required or authorised by law
We take reasonable steps to ensure that recipients handle your information appropriately.
Direct marketing
We may use your personal information to provide information about our products and services where permitted by law.
You can opt out of receiving marketing communications at any time.
Cookies and website data
We use cookies and similar technologies to collect information about your use of our website, including your IP address, device information and browsing behaviour.
This helps us to:
- provide and improve our services
- maintain website security
- analyse website traffic and performance
We may also use third-party service providers (such as analytics providers) that use cookies.
You can manage or disable cookies through your browser settings; however, this may affect how the website functions.
Data quality and security
We take reasonable steps to ensure that your personal information is accurate, complete and up to date.
We implement appropriate technical and organisational measures to protect your information from misuse, loss, unauthorised access, modification or disclosure.
Overseas disclosure
Some of our service providers may be located overseas, including third parties who operate or hold data outside Australia. Where personal information is disclosed overseas, we will take reasonable steps to ensure recipients comply with Australian privacy requirements.
Access and correction
You may request access to, or correction of, your personal information by contacting us using the details below.
We will respond within a reasonable period (generally within 30 days). We may refuse access where permitted by law and will provide reasons if we do so.
Retention of information
We retain personal information for as long as required to:
- provide our services
- comply with legal and regulatory obligations (including AML/CTF laws)
- resolve disputes and enforce agreements
Complaints
If you have a complaint about how we handle your personal information, please contact us.
We will investigate your complaint and respond within a reasonable timeframe (generally within 30 days).
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.
Links to other websites
Our website may contain links to third-party websites. We are not responsible for the privacy practices of those websites..
Credit Connect Group
Credit Connect Group
Phone: 1300 795 507 or +61 7 5593 1300
Email: [email protected]
By mail;
PO Box 3574,
Robina Town Centre,
Queensland, Australia 4230
Change to this Policy
We may update this Privacy Policy from time to time. The current version will be available on our website.