Privacy Policy

1. About us

Jireh Finance Group Pty Ltd (ABN 18 724 980 977) ("Jireh Finance", "we", "us", "our") is an Australian Credit Licensee operating as a finance and mortgage broking business. We are committed to protecting your privacy and handling your personal information in an open and transparent way in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy explains how we collect, use, hold and disclose your personal information, and how you can access and correct it or make a complaint.

2. What personal information we collect

The types of personal information we may collect include:

• Identity information — full name, date of birth, gender
• Contact details — email address, phone number, residential and postal address
• Financial information — income, assets, liabilities, credit history, bank statements, tax returns
• Employment information — employer name, occupation, employment status
• Government identifiers — driver's licence number, passport number, Medicare number (where required for identity verification)
• Credit-related information — credit scores, repayment history, default information (collected and disclosed in accordance with the Privacy (Credit Reporting) Code 2014)
• Website usage data — IP address, browser type, pages visited, cookies (see Section 9)

We collect only the information that is reasonably necessary to provide our services or as required by law.

3. How we collect your information

We collect personal information:

• Directly from you — via our website contact forms, phone, email, in-person meetings or application forms
• From third parties — lenders, credit reporting bodies (such as Equifax, Experian or illion), your employer, accountant or financial adviser (with your consent)
• From publicly available sources — ASIC registers, property title searches, court records
• Automatically — through cookies and analytics tools when you use our website

Where practicable, we will collect personal information directly from you. If we collect information about you from a third party, we will take reasonable steps to notify you.

4. How we use your personal information

We use your personal information to:

• Assess your eligibility for finance products and provide credit assistance
• Prepare, submit and manage loan or finance applications on your behalf
• Communicate with you about your application, account or our services
• Comply with our obligations under the National Consumer Credit Protection Act 2009 (Cth), the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and other applicable laws
• Verify your identity in accordance with AML/CTF requirements
• Manage complaints and disputes, including through AFCA
• Improve our services and website
• Send you marketing communications (only with your consent — you may opt out at any time)

5. Disclosure of your personal information

We may disclose your personal information to:

• Lenders and credit providers — banks, non-bank lenders, and specialist lenders on our panel, for the purpose of assessing and processing your application
• Credit reporting bodies — Equifax, Experian, illion — to obtain credit reports and, where applicable, to report credit information
• Aggregators and licensees — our aggregator or Australian Credit Licence holder under whose licence we operate
• Professional advisers — lawyers, accountants, auditors and insurers, on a confidential basis
• Government and regulatory bodies — ASIC, AUSTRAC, the ATO, AFCA, and law enforcement agencies, where required by law
• Service providers — IT, cloud storage, document management, and communication providers who assist us in operating our business, subject to confidentiality obligations
• Your authorised representatives — with your consent

We do not sell your personal information to third parties.

6. Overseas disclosure

Some of our service providers (including cloud storage and software providers) may store or process data outside Australia. Where we disclose personal information to overseas recipients, we take reasonable steps to ensure those recipients handle your information in a manner consistent with the APPs. By providing us with your personal information, you consent to it being disclosed to overseas recipients where necessary.

7. Credit reporting information

As a credit assistance provider, we may collect, use and disclose credit-related personal information (including credit eligibility information) in accordance with Part IIIA of the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2014. This may include disclosing your information to credit reporting bodies to obtain a credit report to assess your application. You have the right to request that a credit reporting body not use your credit reporting information for pre-screening of direct marketing, and to request that a credit reporting body place a ban on the use or disclosure of your credit reporting information if you believe you have been, or are likely to be, a victim of fraud.

8. Security of your information

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification or disclosure. These steps include password protection, encryption, secure file storage, and staff training. When personal information is no longer needed, we take reasonable steps to destroy or de-identify it.

9. Cookies and website analytics

Our website uses cookies and similar technologies to improve your experience and analyse site usage. You can disable cookies through your browser settings, but this may affect the functionality of our website. We may use third-party analytics tools (such as Google Analytics) that collect anonymised usage data. We do not use cookies to collect sensitive personal information.

10. Access and correction

You have the right to request access to the personal information we hold about you, and to request that we correct any inaccurate, incomplete or out-of-date information. To make a request, please contact our Privacy Officer using the details in Section 12. We will respond within 30 days. We may charge a reasonable fee for providing access. We may decline access in limited circumstances permitted by the APPs, and will provide written reasons if we do so.

11. Complaints

If you believe we have breached the APPs or your privacy rights, please contact our Privacy Officer (see Section 12). We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days.

If you are not satisfied with our response, you may lodge a complaint with:

• Office of the Australian Information Commissioner (OAIC) — oaic.gov.au or call 1300 363 992
• Australian Financial Complaints Authority (AFCA) — for complaints relating to credit activities — afca.org.au or call 1800 931 678 (free call)

12. Contact our Privacy Officer

For all privacy-related enquiries, access requests or complaints, please contact:

13. Updates to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The current version will always be available on our website. We encourage you to review this policy periodically.