Privacy Policy

What information do we collect and how do we use it?

We will ask you for personal information when we assist you with your finance. Personal information may include sensitive information where relevant to your enquiry and may also include information you provide about any vulnerability or special circumstances you would like us to consider.

We use the information you provide to assist with your credit and finance needs and to help identify products or lenders that may be relevant to your circumstances.

Where you choose to proceed, your information may be provided to relevant lenders, credit providers and their representatives as required to assess or process your enquiry or application.

We may also use your information to manage our ongoing relationship with you, respond to enquiries, maintain records and improve our services.

We may communicate with you by phone, email, mail or other electronic means where appropriate.

What if you don't provide some information to us?

If you do not provide the information reasonably required to assess your circumstances, we may not be able to properly advise or assist you with your credit or finance needs.

How do we hold and protect your information?

We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security.

We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected or where required by applicable legal, regulatory, reporting or document retention requirements.

We may hold information in electronic systems including secure online databases, email systems, website services and other technology platforms used to operate our business.

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

Will we disclose the information we collect to anyone?

We do not sell, trade or rent your personal information.

We may provide your information to our credit licensee, lenders, credit providers, service providers, contractors or other organisations where reasonably necessary to provide our services or meet our legal and regulatory obligations.

We may also disclose information where required or authorised by law.

Disclosures to overseas recipients

Some organisations or service providers involved in the handling of personal information may operate or store information outside Australia.

Depending on the services used, overseas recipients may include organisations located in countries such as the Philippines, India and Nepal.

We take reasonable steps to ensure that personal information disclosed to overseas recipients is handled appropriately and in accordance with applicable privacy obligations.

Direct marketing

From time to time, we may use your contact details to send you information about services, updates, offers or other material we reasonably believe may be relevant to you.

You can opt out of receiving marketing communications at any time by contacting us or using an unsubscribe option where one is provided.

How can you check, update or change your information?

You may request access to the personal information we hold about you. We may ask for sufficient information to confirm your identity before providing access.

You may also ask us to correct personal information that you believe is inaccurate, incomplete or out of date.

If you wish to access or correct your personal information, you may contact the Compliance Officer, Sadia Mortuza, at compliance@oxcel.com.au .

Your consent

By asking us to assist with your credit or finance needs, you consent to the collection, use and disclosure of your information for the purposes described in this Privacy Policy, subject to applicable law.

Privacy questions and complaints

We welcome questions or concerns about privacy and the way your personal information has been handled.

You may contact the Compliance Officer, Sadia Mortuza, at compliance@oxcel.com.au or call 1800 010 001 .

Internal dispute resolution

If you have a complaint, please contact us so that we have an opportunity to investigate and address your concerns.

Please provide as much information as possible about the issue so that your complaint can be reviewed appropriately.

We will aim to respond to complaints promptly and in accordance with applicable dispute resolution requirements.

External dispute resolution

If your complaint remains unresolved after our internal dispute resolution process, you may be able to lodge a complaint with the Australian Financial Complaints Authority.