Privacy Policy

1. About This Policy

All Credit Solutions Pty Ltd ("ACS", "we", "us", "our") is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose and store your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

2. What Personal Information We Collect

We may collect the following types of personal information:

• Name, address, date of birth and contact details
• Financial information including income, assets, liabilities and credit history
• Employment details
• Property and transaction details
• Identification documents
• Any other information you provide to us in connection with a finance enquiry or application

3. How We Collect Personal Information

We collect personal information directly from you when you submit an enquiry via our website, contact us by phone or email, or engage us to assist with a finance application. We may also collect information from third parties such as lenders, credit reporting bodies, accountants, solicitors and other professionals you authorise to act on your behalf.

4. Why We Collect Personal Information

We collect and use your personal information to:

• Assess your finance enquiry and identify suitable lending options
• Prepare and submit finance applications on your behalf
• Communicate with lenders and other third parties as required
• Comply with our legal and regulatory obligations
• Improve our services and respond to your enquiries

5. Disclosure of Personal Information

We may disclose your personal information to lenders, credit providers, credit reporting bodies, valuers, solicitors, accountants and other third parties as necessary to facilitate your finance application or as required by law. We do not sell your personal information to third parties.

6. Storage and Security

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification or disclosure. Your information is stored securely and access is restricted to authorised personnel only.

7. Access and Correction

You have the right to request access to the personal information we hold about you and to request corrections if the information is inaccurate, incomplete or out of date. To make a request, please contact us using the details below.

8. Complaints

If you have a complaint about how we have handled your personal information, please contact us in the first instance. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

9. Website and Cookies

Our website may collect non-personally identifiable information such as browser type, pages visited and time spent on the site for analytics purposes. We may use cookies to improve your experience on our website. You can disable cookies through your browser settings.

10. Contact Us

For any privacy-related enquiries, please contact us at: