1. Introduction

This Privacy Policy explains how Dreamlend Finance Pty Ltd (ABN 25 689 387 773) (“Dreamlend Finance”, “we”, “us”, “our”) collects, uses, discloses, stores, and protects personal information.

We handle personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

Where we act as a credit representative, personal information may also be collected, held, and used by our Australian Credit Licence holder, Finsure Finance & Insurance Pty Ltd, in accordance with their Credit Guide and Privacy Policy.

Where we collect and handle credit-related information, we do so in accordance with Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code 2014.

2. Why We Collect Personal Information

We collect and hold personal information where reasonably necessary to:

• assess your application for finance and provide credit assistance
• recommend or arrange suitable finance products
• manage and administer your finance application and enquiries
• communicate with you about your application or services
• comply with legal and regulatory obligations, including anti-money laundering and counter-terrorism financing laws
• manage complaints and disputes
• improve our services and customer experience

We may also use your information for direct marketing where permitted by law.

3. Personal Information We Collect

The personal information we may collect includes (but is not limited to):

• personal and contact details (name, address, phone number, email address, date of birth)
• identification documents to verify your identity (such as a driver’s licence or passport)
• financial information (employment details, income, assets, liabilities, and expenses)
• bank account and transaction details relevant to your application
• information about your dependants and living arrangements (where relevant)
• credit-related information, including credit reports and repayment history (see Section 9)

We do not collect sensitive information (such as political opinions or religious beliefs).
We only collect health information if required for a specific insurance product and with your consent.

4. Information We Collect From Others

In addition to information you provide directly, we may collect personal information from:

• credit reporting bodies
• lenders and other credit providers
• accountants, lawyers, real estate agents, or other advisers you authorise
• identity verification services
• publicly available sources (such as public registers)

5. How We Collect Personal Information

We collect personal information when you:

• complete an enquiry or application form
• communicate with us by phone, email, or online
• provide documents to support a finance application

We may also collect information electronically, including through secure verification services and publicly available records.

If you provide personal information about another person, you confirm that you are authorised to do so and that the person has consented to their information being provided and handled in accordance with this Policy.

6. Anonymity

You may browse our website anonymously. However, if you wish to apply for finance or receive services, we are required by law to identify you.

7. Use and Disclosure of Personal Information

We may disclose your personal information to:

• prospective lenders, funders, and product providers
• organisations involved in processing or administering your application
• service providers who support our business operations (such as IT, CRM, cloud storage, or professional advisers)
• our Australian Credit Licence holder, Finsure Finance & Insurance Pty Ltd, for supervision, compliance, and administration purposes
• regulators, government bodies, or law enforcement where required or authorised by law
• any person or organisation you authorise

We only disclose personal information where reasonably necessary for the purpose for which it was collected, or as otherwise permitted by law.

8. Direct Marketing

We may contact you to inform you about products or services we believe may be relevant to you.

You may opt out of direct marketing at any time by:

• using the unsubscribe link in electronic communications, or
• contacting us using the details below

We will not charge you for opting out and will action your request promptly.

9. Credit-Related Information

Credit information includes information used to assess your eligibility for finance, such as:

• credit reports
• repayment history
• defaults or serious credit infringements

We collect, use, and disclose credit information only for permitted purposes under the Privacy Act and the Credit Reporting Code.

10. Security of Information

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

Personal information is stored electronically, and access is restricted to authorised persons with a legitimate business need.

When personal information is no longer required, we take reasonable steps to securely destroy or de-identify it, unless we are required by law to retain it.

11. Overseas Disclosure

In some circumstances, personal information may be disclosed to overseas recipients, for example where required to support the services we provide or where you request or authorise such disclosure.

Where this occurs, we take reasonable steps to ensure that overseas recipients handle personal information in a manner consistent with this Privacy Policy and Australian privacy laws.

At present, Dreamlend Finance primarily stores and manages personal information within Australia.

12. Access and Correction

You may request access to, or correction of, the personal information we hold about you by contacting us.

We will respond within a reasonable time. We may charge a reasonable fee to cover access costs. There is no charge for correction requests.

If we refuse access or correction, we will explain our reasons in writing.

13. Complaints

If you have a concern or complaint about how we handle your personal information, please contact us using the details below.

We will acknowledge your complaint and aim to resolve it within 30 days.

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

14. Notifiable Data Breaches

If a data breach occurs that is likely to result in serious harm, we will notify affected individuals and the OAIC as required by law.

15. Changes to This Policy

This Privacy Policy may be updated from time to time. The current version will always be available on our website.

16. Contact Us

For access, correction, complaints, or questions about this Privacy Policy, contact:

Dreamlend Finance Pty Ltd
Email: info@dreamlendfinance.com.au
Website: www.dreamlendfinance.com.au

Office of the Australian Information Commissioner
Website: www.oaic.gov.au
Phone: 1300 363 992