Privacy Policy

Asset Loan Establishment
Authorised Credit Representative Number: 473241
Operating under Ausloans Finance Group
Australian Credit Licence: 383999 (Aus Loans Pty Ltd, ACN 131827908)

Introduction

Asset Loan Establishment ("we", "us", "our") is an Authorised Credit Representative operating under the Australian Credit Licence of Aus Loans Pty Ltd (Ausloans Finance Group). We are committed to providing our customers with the best possible service, and to handling personal information responsibly, in line with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth).

This policy explains how we, and our credit licensee Ausloans Finance Group, collect, use, disclose, and protect your personal information when you engage with us for asset finance broking services.

Who are we?

Asset Loan Establishment operates as an independent asset finance broker, providing credit assistance services under the credit licence of Aus Loans Pty Ltd (ACL 383999), trading as Ausloans Finance Group.

What personal information do we collect?

Personal information is any information that identifies you, or from which your identity can reasonably be ascertained. In the course of providing asset finance broking services, we may collect information such as:

• Full name, date of birth, and contact details

• Employment and income details

• Identification documents (e.g. driver licence)

• Financial information, including bank statements, payslips, and existing liabilities

• Credit history and credit reporting information

• Details of the asset or vehicle you're seeking finance for

• Information provided during initial enquiry, application, and ongoing loan servicing

Why do we collect your personal information?

We collect personal information to:

• Assess your finance needs and objectives

• Identify suitable loan products and lenders on your behalf

• Prepare and submit finance applications to lenders

• Meet our obligations as a credit representative under the National Consumer Credit Protection Act 2009 (Cth) and responsible lending obligations

• Communicate with you throughout the application and settlement process

• Comply with Anti-Money Laundering and Counter-Terrorism Financing (AML/CTF) requirements

• Respond to your enquiries and provide ongoing customer support

If you don't provide the personal information we request, we may be unable to assess your finance application or provide credit assistance to you.

How do we collect your personal information?

Wherever possible, we collect personal information directly from you — for example, when you complete an online enquiry form, apply for finance, or speak with us by phone or email.

We may also collect personal information from other sources, including:

• Credit reporting bodies (we use Equifax) when assessing your application

• Lenders and financiers you are applying to, or have existing arrangements with

• Your employer or accountant, where relevant to verifying income

• Publicly available sources, where applicable

Who do we disclose your personal information to?

To provide our services, we may need to disclose your personal information to:

• Ausloans Finance Group (Aus Loans Pty Ltd), our credit licensee, for compliance, file review, and lodgement purposes

• Lenders and financiers on our panel, to assess and process your finance application

• Credit reporting bodies (Equifax), to obtain and provide credit information

• Insurers, where you request insurance products in connection with your finance (e.g. Suncorp, Integrity Warranties, AWN, ERIC Insurance, National Warranty, Mi-Bike, Club Marine, Nautilus)

• Other service providers contracted to assist with our services (e.g. mailing/document providers), who are bound to use your information only for the purpose we supply it

• Government or regulatory bodies, where required by law

• Any other party you consent to us disclosing information to

We do not disclose personal information to overseas recipients.

Direct marketing

From time to time, we may contact you about products, services, or offers that may be relevant to you. You can opt out of receiving this information at any time by contacting us directly using the details below. Where the law requires us to send you information (e.g. regarding an existing loan), we will continue to do so even if you've opted out of general marketing.

Keeping your information accurate

We rely on the accuracy of the information we hold. If your circumstances change, or you believe information we hold about you is incorrect, please contact us so we can update our records.

Security of your personal information

We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification, or disclosure, including secure digital storage, restricted staff access, and secure document handling practices.

Accessing and correcting your personal information

You may request access to the personal information we hold about you, or request corrections, by contacting us using the details below. We may need to verify your identity before providing access. In some circumstances, access may be limited or refused (for example, where it would affect the privacy of another individual), and we will explain our reasons if this occurs.

Website information

If you visit our website, we may collect standard information such as your IP address, browser type, and pages visited, which helps us understand site usage and improve our services. This information is generally not used to identify you personally. Our website may use cookies — if you disable cookies, some site functionality may be affected.

How to make a complaint

If you have a concern about how your personal information has been handled, please contact us directly using the details below, and we will aim to resolve it as quickly as possible.

If you're not satisfied with our response, you can escalate your complaint to:

Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Phone: 1800 931 678
Email: [email protected]

Or to the Office of the Australian Information Commissioner (OAIC):
Website: www.oaic.gov.au
Phone: 1300 363 992
Email: [email protected]

Contact us

For any questions about this policy, or to access, correct, or discuss your personal information, please contact:

Nadia Harrison
Asset Loan Establishment
Authorised Credit Representative 473241, Ausloans Finance Group (ACL 383999)
Email: [email protected]
Phone: 0426 280 077