Privacy Policy

1. Introduction

My Biz Finance (ABN: 18 653 110 989) ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal and business information.

We are bound by the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) and are committed to protecting your privacy in accordance with these principles.

2. Information We Collect

We collect information that is necessary to provide our business finance broking services. This may include:

2.1 Personal Information

• Name, date of birth, and contact details (email, phone, address)
• Government identification numbers (driver's license, passport)
• Employment and income information
• Bank account and financial information

2.2 Business Information

• Business name, ABN, and registration details
• Business financial statements and tax returns
• Business bank statements and transaction history
• Business credit history and credit reports
• Details of directors, shareholders, and guarantors

2.3 Technical Information

• IP address and device information
• Website usage data and cookies
• Location data (if enabled)

3. How We Collect Information

We collect information through various means, including:

• Directly from you when you complete forms, applications, or contact us
• From third parties such as credit reporting agencies, lenders, and service providers
• From publicly available sources
• Through our website and online services
• Through communications with you (email, phone, in-person)

4. How We Use Your Information

We use your information to:

• Provide our business finance broking services
• Assess your eligibility for finance products
• Compare and present finance options from multiple lenders
• Submit loan applications on your behalf
• Negotiate terms and rates with lenders
• Communicate with you about our services
• Comply with legal and regulatory obligations
• Improve our services and website
• Prevent fraud and ensure security
• Send you marketing communications (with your consent)

5. Disclosure of Information

We may disclose your information to:

• Lenders: To submit applications and facilitate loan approvals
• Credit Reporting Agencies: To obtain credit reports and credit scores
• Service Providers: Such as IT providers, legal advisors, and accountants
• Government Authorities: When required by law or to comply with legal obligations
• Related Entities: Within our corporate group (if applicable)
• Professional Advisors: Such as lawyers and accountants

We only disclose information to parties who have appropriate privacy and security measures in place and who are bound by confidentiality obligations.

6. Credit Reporting

As part of our services, we may obtain credit reports from credit reporting agencies. We may also provide information to credit reporting agencies about your loan applications and outcomes.

You have rights regarding credit reporting, including the right to:

• Access your credit report
• Request corrections to incorrect information
• Place a ban on credit reporting in certain circumstances

7. Data Security

We take reasonable steps to protect your information from misuse, loss, unauthorized access, modification, or disclosure. This includes:

• Secure storage systems
• Encryption of sensitive data
• Access controls and staff training
• Regular security assessments
• Secure transmission of data

However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

8. Data Retention

We retain your information for as long as necessary to provide our services and comply with legal obligations. This may include:

• Retaining records for at least 7 years as required by law
• Retaining information while you are using our services
• Retaining information for dispute resolution purposes

9. Your Rights

You have the right to:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your information (subject to legal obligations)
• Opt-out: Opt-out of marketing communications
• Complain: Make a complaint about our handling of your information

To exercise these rights, please contact us using the details provided below.

10. Cookies and Tracking

Our website uses cookies and similar technologies to improve your experience, analyze usage, and provide personalized content. You can control cookies through your browser settings.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these third parties. We encourage you to read their privacy policies.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on our website and updating the "Last updated" date.

13. Complaints

If you have a complaint about how we have handled your personal information, please contact us using the details below. We will investigate and respond to your complaint.

If you are not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

14. Contact Us

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us: