Privacy Policy

This Privacy Policy explains how LoanFolio collects, holds, uses and discloses personal information and how you can access or correct the personal information we hold about you.

In this Privacy Policy, “we”, “us” and “our” means LOANFOLIO PTY LTD ABN 22 700 025 716, trading as LoanFolio.

LoanFolio is a Credit Representative No. 581120, authorised under Australian Credit Licence No. 384704.

We are committed to protecting your personal information and handling it in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

What is Personal Information?

Personal information is information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not and whether it is recorded in material form or not.

Some information is considered sensitive information under the Privacy Act and is subject to additional protections.

What Personal Information Do We Collect?

The type of personal information we collect depends on how you interact with us and the services you request.

This may include:

• your name;
• residential and postal address;
• telephone number and email address;
• date of birth;
• employment and income information;
• information about your assets and liabilities;
• information about existing loans and credit commitments;
• information required to assess or process a finance enquiry or application;
• information about your financial circumstances;
• identification information and documents;
• information you provide when communicating with us;
• information relating to products or services you enquire about or receive from us; and
• information about your use of our website, such as IP address, browser type, device information and website activity.

We may also collect other personal information where it is reasonably necessary for us to provide our services or comply with our legal and regulatory obligations.

How Do We Collect Personal Information?

We may collect personal information directly from you when you:

• contact us by telephone, email or other means;
• submit an enquiry or form through our website;
• request information about our services;
• make an appointment;
• apply for or use our services;
• provide information during a finance application or assessment process; or
• communicate with us about your enquiry or application.

Where permitted by law, we may also collect personal information from third parties, including credit providers, credit reporting bodies, service providers and other parties involved in providing or arranging finance.

Where reasonable and practicable, we will collect personal information directly from you.

How Do We Hold and Protect Personal Information?

We may hold personal information in electronic and physical records.

We take reasonable steps to protect personal information from misuse, interference, loss and unauthorised access, modification or disclosure.

We may use third-party technology, software, cloud storage and other service providers to assist us in operating our business and providing our services.

Where personal information is no longer required, we will take reasonable steps to securely destroy or de-identify it, subject to our legal and regulatory record-keeping obligations.

Why Do We Collect, Hold, Use and Disclose Personal Information?

We may collect, hold, use and disclose personal information for purposes including:

• responding to enquiries;
• providing and arranging credit and finance services;
• assessing and processing finance applications;
• communicating with you about your enquiry or application;
• liaising with credit providers, lenders and other parties involved in the finance process;
• verifying your identity and information;
• managing and administering our business;
• maintaining appropriate business and regulatory records;
• complying with legal and regulatory obligations;
• managing complaints and resolving disputes;
• preventing fraud and other unlawful activity;
• improving our website and services; and
• sending information about LoanFolio services and relevant offers where permitted by law.

We will only collect, hold, use or disclose personal information for purposes permitted by law.

Who May We Disclose Personal Information To?

Depending on the services you request, we may disclose personal information to:

• credit providers and lenders;
• credit reporting bodies;
• parties involved in assessing or processing a finance application;
• service providers that assist us in operating our business;
• information technology, software and cloud service providers;
• professional advisers, including accountants, lawyers and auditors;
• government agencies, regulators, courts and tribunals where required or permitted by law; and
• other parties where you have provided consent or disclosure is otherwise permitted or required by law.

We do not sell your personal information.

Disclosure to Overseas Recipients

Some of the third parties we use to assist us in providing our services or operating our business may be located outside Australia or may store or process information outside Australia.

As a result, personal information we collect may be disclosed to, or handled by, overseas recipients in certain circumstances.

The countries in which overseas recipients may be located will depend on the service providers and technology platforms we use from time to time. Where practicable, we will identify the relevant countries in accordance with our obligations under the Privacy Act and the Australian Privacy Principles.

Where we disclose personal information to an overseas recipient, we will take reasonable steps to ensure that the information is handled in accordance with applicable privacy requirements.

Our overseas disclosure practices may change from time to time as our service providers and technology systems change. We will update this Privacy Policy where required.

Sensitive Information

Sensitive information is a particular category of personal information under the Privacy Act.

We will only collect sensitive information where it is reasonably necessary for our functions or activities and where permitted by law.

Where consent is required, we will obtain your consent before collecting sensitive information.

Your Choices

You may choose not to provide certain personal information to us.

However, if you do not provide information that we reasonably require, we may be unable to respond to your enquiry, assess your circumstances or provide or arrange the services you have requested.

Where permitted by law, you may also choose to deal with us anonymously or by using a pseudonym. This may not be practicable where we are required to identify you in order to provide our services or comply with legal or regulatory requirements.

Direct Marketing

We may use your personal information to send you information about LoanFolio

services, updates and relevant offers where permitted by law.

We may contact you by email, SMS, telephone or other permitted communication methods.

You can opt out of direct marketing communications at any time by contacting us or using the unsubscribe or opt-out facility provided in the communication.

Opting out of direct marketing will not affect communications that we are required or permitted to send to you for service, legal or administrative purposes.

Access to Your Personal Information

You may request access to personal information we hold about you.

We will deal with your request in accordance with the Privacy Act and will generally provide access unless an exception under applicable law applies.

We may ask you to verify your identity before providing access to personal information.

Correction of Your Personal Information

If you believe that personal information we hold about you is inaccurate, incomplete, out of date, irrelevant or misleading, you may ask us to correct it.

We will take reasonable steps to correct personal information where appropriate.

If we do not agree to make a requested correction, we will explain why, subject to any applicable legal requirements.

Complaints

If you have a concern or complaint about how we have handled your personal information, please contact us using the details below.

We will investigate your complaint and respond within a reasonable period.

If you are not satisfied with our response, or your complaint is not resolved, you may contact the Office of the Australian Information Commissioner (OAIC).

OAIC Website:

www.oaic.gov.au

OAIC Phone:

1300 363 992

Cookies and Website Information

Our website may use cookies and similar technologies to help operate the website, understand how visitors use the website and improve the online experience.

These technologies may collect information such as your IP address, browser type, device information, pages visited and website activity.

You can manage or disable cookies through your browser settings. Disabling cookies may affect some website functionality.

Third-Party Websites

Our website may contain links to third-party websites.

LoanFolio is not responsible for the privacy practices, content or security of third-party websites.

We recommend reviewing the privacy policy of any third-party website you visit.

Automated Decision-Making

From 10 December 2026, additional privacy policy requirements may apply where LoanFolio arranges for a computer program to use personal information to make, or substantially and directly assist in making, a decision that could reasonably be expected to significantly affect an individual's rights or interests.

If LoanFolio uses automated decision-making of this kind, we will provide the information required under the Privacy Act and applicable Australian Privacy Principles.

How Long Do We Keep Personal Information?

We retain personal information for as long as reasonably necessary for the purposes for which it was collected and to meet our legal, regulatory and record-keeping obligations.

When personal information is no longer required, we will take reasonable steps to securely destroy or de-identify it, subject to any legal requirement to retain it.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to our business, services, technology or legal and regulatory requirements.

The updated Privacy Policy will be published on our website.

We recommend checking this page periodically for the current version.

Contact Us

If you have a question about this Privacy Policy, would like to access or correct your personal information, or wish to make a privacy complaint, please contact us: LoanFolio

LOANFOLIO PTY LTD

ABN:22 700 025 716
Credit Representative: 581120
Australian Credit Licence: 384704

Email: info@loanfolio.com.au

Phone: 03 9844 3116

Address:Suite 24/L3, 489 Toorak Road, Toorak VIC 3142

Last updated: September 2026