Last updated: [10/08/2025]

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At www.moneyful.com.au, your privacy is our priority. We are committed to protecting your personal information and complying with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
This policy explains how we collect, use, store, and disclose your personal information when you use our services.

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1. Information We Collect

We only collect information necessary to provide our services, including:

Personal Details – name, email, phone number, address.

Financial Information – loan purpose, income, existing debts, employment status.

Identification Details – driver’s licence, Medicare number, or other documents (when required for verification under AML/CTF laws).

Website Usage Data – IP address, browser type, pages visited, cookies, and analytics data.

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2. How We Collect Your Information

We may collect your personal information:

Directly – when you fill in enquiry forms, request information, or communicate with us.

Automatically – when you use our website, via cookies and analytics tools.

From Third Parties – such as brokers or service providers, with your consent or as required by law.

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3. How We Use Your Information

We use your information to:

Match you with accredited loan brokers for home loans, car loans, personal loans, commercial finance, business loans, and asset finance.

Verify your identity and meet legal obligations (e.g., AML/CTF compliance).

Manage, improve, and personalise our services.

Communicate updates, offers, or marketing material (only if you have opted in).

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4. Disclosure of Your Information

We may share your personal information with:

Accredited brokers and lenders – strictly for loan-matching purposes.

Service providers – including IT support, marketing platforms, and payment processors, who are bound by confidentiality obligations.

Legal and regulatory bodies – if required by law or in connection with legal proceedings.

Overseas recipients – only where necessary and where privacy protections are in place.

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5. Consumer Data Right (CDR)

If applicable, you may request access to, or transfer of, your data to accredited third parties in line with the Consumer Data Right framework.

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6. Data Security & Retention

We use industry-standard measures to protect your personal information, including encryption and secure servers.
We retain your data only as long as necessary for business or legal purposes, after which it is securely deleted or anonymised.

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7. Access, Correction & Complaints

You have the right to:

Request access to the personal information we hold about you.

Correct inaccurate, incomplete, or outdated information.

Withdraw your consent to marketing communications.

Make a privacy complaint – we will respond promptly.
If unresolved, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

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8. Cookies & Analytics

We use cookies to improve website performance, analyse traffic, and personalise content. You can disable cookies in your browser settings, but this may affect your experience on our site.

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9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on our website with an updated “Last Updated” date. By continuing to use our services, you accept the updated policy.

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10. Contact Us

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

Fatman & Co Pty Ltd
Email: info@moneyful.com.au