Privacy Policy

New Direction Finance ("we", "us", "our") has developed this Privacy Policy to demonstrate our commitment to protecting your privacy. This policy applies to all websites, URLs, and digital services controlled or operated by New Direction Finance that link to this policy, unless otherwise specified.

This Privacy Policy is intended to describe for you - as an individual who is a user of our services, or who otherwise provides us with information - the information we collect, how that information may be used, with whom it may be shared, and your choices about such uses and disclosures.

We encourage you to read this Privacy Policy carefully when using our website or services, or transacting business with us.

We may collect personal information that can identify you, as well as information that does not identify you. When you provide personal information through our website, that information may be sent to servers located in Australia and other countries.

Information you provide directly

We may collect and store any personal information you enter on our website or provide to us in some other manner. This includes:

• Identifying information such as your name, address, email address, and telephone number
• Financial information, including income details, asset information, and credit card or payment details where required to process applications
• Information about your interests, activities, and financial goals
• Demographic information such as age, employment status, and residential status

Information from other sources

We may periodically obtain personal and non-personal information about you from business partners, contractors, credit bureaus, and other third parties. Examples include updated contact and address information, credit history, and additional identity verification information.

Information about others

We may also collect and store personal information about other people that you provide to us - for example, if you provide information about co-applicants, guarantors, or referees as part of a loan application.

Information collected automatically

We automatically collect certain information from your browser when you visit our website. This includes your IP address, browser type and language, access times, cookie data, and the referring website address.

We use various technologies to collect information from your computer and about your activities on our site.

Cookies

When you visit our website, we may assign your computer one or more cookies to facilitate access to our site and to personalise your experience. Through cookies, we may automatically collect information about your online activity on our site, such as the web pages you visit, the links you click, and the enquiries you make.

Web beacons

We may use standard internet technologies such as web beacons (also known as clear GIFs, pixel tags, or web bugs) to track your use of our site. We may also include web beacons in promotional emails or newsletters to determine whether messages have been opened and acted upon. This enables us to customise services, deliver more relevant information, and measure the effectiveness of our communications.

Third-party tracking

We may allow authorised third parties, including advertising and analytics companies, to display content or advertisements on our site. These companies may use tracking technologies to collect information about users who view or interact with their content. Our website does not provide any personal information directly to these third parties, but they may collect information about your interactions with their content independently.

Some third-party advertising companies may be members of the Network Advertising Initiative, which offers a single location to opt out of ad targeting from member companies at networkadvertising.org.

We may use information collected about you to:

• Deliver the financial products and services you have requested, including loan applications and assessments
• Manage your account and provide customer support
• Conduct research and analysis about your use of, or interest in, our products and services
• Communicate with you by email, post, telephone, or digital channels about products or services that may be of interest
• Follow up on partially completed enquiries or applications
• Develop and display content tailored to your interests on our site and other sites
• Verify your identity and eligibility as required by our Australian Credit Licence obligations
• Conduct background and credit screening where necessary as part of our lending assessment
• Enforce our terms and conditions
• Manage our business and comply with legal and regulatory obligations
• Perform functions as otherwise described to you at the time of collection

Financial information

We may use your financial information to process applications, assess creditworthiness, arrange finance through our lender panel, and enrol you in any programs in which you elect to participate. Financial information is also used to protect against or identify possible fraudulent transactions, and as otherwise required to manage our business and meet our obligations as a licensed credit provider.

Job applicants

If you submit personal information through our website when applying for a position with our company, that information will be used solely in connection with considering and acting upon your application. We may retain your information for a reasonable period for the purpose of considering your application for current or future available positions.

We do not share your personal information with others except as indicated below or when we inform you and give you an opportunity to opt out.

Authorised service providers

We may share your personal information with authorised service providers who perform certain services on our behalf. These services may include processing applications, credit assessments, customer service, marketing assistance, website functionality, and compliance checks. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use it for any other purposes.

Lending partners

When you request a loan or finance product through New Direction Finance, we will share your personal information and application details with lenders and credit providers from our panel, to the extent necessary to arrange the finance you have requested. By submitting an enquiry or application, you consent to us providing your personal information to relevant lenders to assess your application and contact you.

Business partners

When you engage in products, promotions, or services offered through our website in conjunction with a business partner, we may share personal information with those businesses as required to facilitate the engagement.

Direct mail partners

From time to time, we may share your postal mailing information with selected providers of goods and services that may be of interest to you. If you prefer not to have us share your postal mailing information with these providers, you can notify us at any time by emailing [email protected].

Other disclosures

We may also disclose your information in the following circumstances:

• In response to a subpoena, court order, or request for cooperation from a law enforcement or government agency; to establish or exercise our legal rights; or to defend against legal claims
• When we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take action regarding illegal activity, suspected fraud, or other wrongdoing
• To protect and defend the rights, property, or safety of our company, our users, our employees, or others
• In connection with a substantial corporate transaction, such as the sale of our business, a merger, or consolidation
• To credit reporting bodies or collection agencies in relation to overdue accounts, as permitted under the Privacy Act 1988 (Cth)

Aggregated and non-personal information

We may share aggregated, non-personal information with third parties to develop and deliver targeted advertising and conduct general business analysis. This information does not contain any personal information and cannot be used to identify you individually.

There are a number of places on our website where you may click a link to access other websites that do not operate under this Privacy Policy. If you click on an advertisement, search result, or partner link on our website, you may be taken to a website that we do not control.

These third-party websites may independently solicit and collect information, including personal information, from you. We recommend that you consult the privacy statements of all third-party websites you visit. We are not responsible for the privacy practices of third-party websites.

You have the ability to review and update your personal information by contacting us directly. We will respond to reasonable requests to access, correct, or update your personal information within a reasonable timeframe, in accordance with our obligations under the Privacy Act 1988 (Cth) and the Australian Privacy Principles.

You can request that your account or profile be deactivated by contacting us at [email protected]. After deactivation, you will not be able to access certain services, but we may retain certain information associated with your account for analytical purposes, record-keeping integrity, fraud prevention, and compliance with our legal obligations.

• You can choose not to provide us with certain information, but this may result in you being unable to use certain features or services on our website
• You can opt out of receiving commercial or promotional emails at any time by using the unsubscribe link in any email we send, or by contacting us directly
• It may take up to 10 business days for us to process an opt-out request. We may continue to send you transactional or administrative messages that are necessary in connection with services you have requested
• If you prefer not to have us share your postal mailing information with selected third-party providers, you may notify us at any time by emailing [email protected]

We take appropriate security measures - including physical, electronic, and procedural measures - to help safeguard your personal information from unauthorised access and disclosure. Only authorised employees are permitted to access personal information, and they may do so only for permitted business functions. We use firewalls, encryption, and access controls to help prevent unauthorised access to your information.

We want you to feel confident using our website and services. However, no system can be completely secure. We do not promise, and you should not expect, that your personal information or communications will always remain secure. We encourage you to take steps to protect your own information, including using strong, unique passwords and being cautious about phishing attempts.

Our website and services are intended for adults, and we do not knowingly collect personal information from children under the age of 18. If you believe we have inadvertently collected information from a minor, please contact us and we will take appropriate steps to delete that information.

We will occasionally update this Privacy Policy to reflect changes in our practices, services, and legal obligations. When we make material changes, we will update the "Last updated" date at the top of this page. We recommend that you check this page periodically to stay informed of any changes.

Continued use of our website or services after changes have been posted constitutes your acceptance of the updated Privacy Policy.

If you have any questions about this Privacy Policy, our information-handling practices, or if you would like to request access to, or correction of, your personal information, please contact us: