Privacy Policy

LendBuddy Pty Ltd, trading as LendBuddy, is committed to protecting the privacy of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard the personal and credit information you provide to us.

Personal information means information or an opinion about an identified individual, or an individual who is reasonably identifiable. This includes your name, date of birth, gender, telephone number, address, email address, employment details, and financial information.

Credit information is personal information that relates to your credit activities and credit worthiness. This includes records of credit you have applied for, default information, repayment history, and other data that may affect your creditworthiness.

We collect personal and credit information directly from you when you:

• Submit an enquiry or application through our website
• Communicate with us by phone, email, or in person
• Provide documents to support your loan application
• Use our website (through cookies and analytics)

We may also collect information from third parties such as credit reporting bodies, your employer, your accountant, or other referees you have authorised us to contact.

We use your personal and credit information to:

• Assess your identity and verify your financial situation
• Evaluate your credit application and determine suitable loan products
• Arrange financing with our panel of lenders
• Process insurance requests where applicable
• Communicate with you about your application and our services
• Comply with our legal and regulatory obligations

We may disclose your information to:

• Credit providers and lenders on our panel
• Credit reporting bodies
• Guarantors or proposed guarantors
• Your employer or referees (with your consent)
• Our professional advisors and service providers
• Regulatory authorities as required by law

LendBuddy complies with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 and the National Consumer Credit Protection Act 2009. These laws require us to verify your identity and assess your financial situation before providing credit assistance.

We work with Equifax for credit reporting inquiries. You can contact Equifax on 13 8332 during business hours (Mon-Fri 8:30am to 6:00pm AEST) to access your credit file, request corrections, or lodge a complaint.

You have the right to:

• Request access to the personal information we hold about you
• Request corrections to inaccurate or outdated information
• Obtain a copy of this Privacy Policy at any time
• Opt out of receiving direct marketing communications
• Lodge a complaint about how we handle your information

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access or disclosure. This includes electronic and physical security measures appropriate to the sensitivity of the information we hold.