Privacy Policy
Welcome to Poly Loans
powered by Braid Finance
Welcome to Poly Loans powered by Braid Finance
1. Introduction
Poly Loans ("we," "us," or "our"), Is Powered Braid Finance Pty Ltd, is dedicated to safeguarding your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information. By engaging our services or visiting our website, you consent to the practices described herein.
1.a About Poly Finance
Poly Loans is a brand operated under Braid Finance Pty Ltd (ABN 80 638 771 007, ACL 536690). All credit services, including loan applications and financial assistance, are provided under Braid Finance’s Australian Credit Licsence. Poly Loans acts as a lead generation and client referral platform within Braid Finance, assisting customers by connecting them with finance solutions.
2. Collection of Personal Information
We collect personal information necessary to provide our financial products and services, including but not limited to:
• Identification details (e.g., name, address, date of birth).
• Contact information (e.g., phone number, email).
• Financial and credit history.
• Employment details.
• Transaction history and account details.
• Any other information required to fulfill our regulatory obligations.
2.1 Method of Collection
We collect personal information directly from you through:
• Application forms (online or physical).
• Communication channels (e.g., phone, email, or in-person).
• Our website and digital platforms through cookies and analytics tools.
In some cases, we may collect information from third parties, including:
• Credit reporting agencies.
• Financial institutions.
• Publicly available sources.
We take reasonable steps to ensure the information we collect is accurate, complete, and up-to-date.
3. Purpose of Collecting Personal Information
We collect and use your personal information to:
• Assess and process your loan applications.
• Verify your identity and manage your accounts.
• Conduct credit checks and assess financial risk.
• Communicate with you regarding our products and services.
• Comply with legal and regulatory requirements, including those mandated by ASIC.
• Enhance and personalize your customer experience.
Failure to provide the required personal information may limit our ability to offer our services effectively.
4. Disclosure of Personal Information
We may disclose your personal information to:
• Braid Finance Pty Ltd and its related entities.
• Financial institutions, lenders, and credit reporting agencies.
• Service providers, including IT support, payment processors, and marketing agencies.
• Professional advisors (e.g., lawyers, auditors).
• Regulatory bodies as required by law.
We will not sell or trade your personal information to third parties. We may disclose information to overseas recipients only when necessary to complete a financial service or as required by law, ensuring that appropriate data protection measures are in place.
5. Security and Storage
We implement stringent security measures to safeguard your personal information against unauthorized access, disclosure, alteration, or destruction. These measures include:
• Secure data storage systems.
• Encryption and access control.
• Regular security audits and updates.
We retain personal information only for as long as necessary to fulfill the purposes for which it was collected or as required by law.
6. Access and Correction of Personal Information
You have the right to access and correct the personal information we hold about you. To request access or correction, please contact us using the details provided below. We will respond to your request within a reasonable timeframe and may require verification of your identity.
7. Cookies and Online Data Collection
Our website uses cookies and tracking technologies to enhance user experience and collect information about your interactions. You may disable cookies through your browser settings; however, this may affect your ability to access certain features of our website.
8. Direct Marketing
We may use your personal information to provide you with information about our products and services. You can opt out of receiving marketing communications at any time by contacting us or using the unsubscribe option in our communications.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to read the privacy policies of any third-party sites you visit.
10. Complaints and Enquiries
If you have a complaint regarding the handling of your personal information, please contact us at the details below. We are committed to resolving complaints promptly and fairly. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC).
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The latest version will always be available on our website.
12. Contact Us
For questions, complaints, or requests regarding your personal information, please contact:
Poly Loans
Email: [email protected]
Disclaimer:
Poly Loans is powered by Braid Finance Pty Ltd (ABN 80 638 771 007, ACL 536690). All credit services are provided under Braid Finance’s Australian Credit Licence and in accordance with its compliance framework.
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Disclosure:
Poly Loans may receive a commission or financial incentive from lenders upon the approval of a loan application. In some cases, referral partners (support brokers) may also receive a commission. These commissions do not affect the overall cost of your loan.
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