This policy explains what personal information we collect, why, how it's used, and who it's shared with — including lenders, credit reporting bodies, and our referral partners.
This policy is for National Direct Finance (Vic) Pty Ltd ("we," "us," "our"), an Australian Privacy Principles (APP) entity as defined in the Privacy Amendment (Enhancing Privacy Protection) Act 2012. It explains who we are, what personal information we collect and why, how we use and disclose it, how you can access or correct it, and how to make a complaint.
National Direct Finance (Vic) Pty Ltd is an authorised credit representative (No. 442329) of Australian Credit Licence No. 384428, held by COG Compliance Services Pty Ltd (ABN 29 117 660 938, ACN 117 660 938). We provide credit assistance — we help you apply for finance, and act as an intermediary and independent contractor to assist you to obtain and negotiate a loan. We have access to a panel of financiers and offer a variety of consumer and commercial finance products tailored to your needs and objectives.
Personal information is information or an opinion about an identified individual, or an individual who's reasonably identifiable. Depending on the finance you're applying for, this may include:
We generally don't collect sensitive information (such as health or racial/ethnic information) as it's not necessary for our main function — the exception is if you require information about insurance products we offer, in which case we'll inform you and obtain your consent first.
In most cases we collect your information directly from you when you apply for finance ("solicited information"). Where you consent, we may also collect it from third parties such as employers, accountants, banks, or referrers.
We collect your information to provide the finance you've requested, and hold it in accordance with Australia's privacy and credit reporting laws, including the Privacy (Credit Reporting) Code 2024. If we proceed with arranging finance for you, we'll hold your information for seven years after the finance contract ends, then delete what we no longer need.
We may share your information with:
You don't need to identify yourself for a general enquiry — for example, asking about our products or the lenders on our panel. If you apply for finance, though, you'll need to identify yourself, as your information is required to support the application.
We may use your information to market other products or services to you. If you'd rather not receive marketing material, you can opt out at any time by emailing or calling us — we'll update our records within 30 days.
We may collect identifiers such as driver's licence or passport numbers as part of an application, and may need to disclose these to a lender or insurer as part of their identification process. Tax File Numbers are handled under the Tax File Number Rule 2015 — we take reasonable steps to permanently de-identify any TFN that appears on documents we receive.
We take the security of your personal information seriously. As information is stored both electronically and in hardcopy format, we have a variety of safety measures in place to protect it from misuse, modification, interference, loss, unauthorised access, or disclosure, including but not limited to:
Where we store personal information physically or electronically with third-party data storage providers, we have contractual arrangements in place to ensure those providers take appropriate security measures and restrict who can access it. In the event of a data breach involving your information, we'll notify you as soon as practicable in line with our obligations under the Privacy (Credit Reporting) Code.
You can ask us to access or correct the personal information we hold about you at any time by contacting us using the details below. If you believe we haven't handled your information in line with this policy, you can also make a complaint to us directly — most complaints are resolved within days; if we can't resolve it within 30 days, we'll tell you why and give you an expected timeframe.
If you're not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au, or the Australian Financial Complaints Authority (AFCA) at afca.org.au.
Any changes we make to this policy will be updated on this page.