Privacy Policy

1. Introduction

Believe Finance respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you use the Believe Finance website, mobile application, and digital finance platform.

By accessing or using the Believe Finance portal and submitting a finance application, you acknowledge and consent to the collection and handling of your personal information in accordance with this Privacy Policy.

2. Who We Are

Believe Finance provides digital finance and credit assistance services, helping individuals and businesses apply for and manage finance products through our online and mobile platform.

Business Name: Believe Finance
ABN: 67 640 231 065

Credit Representative (CRN: 573900) of (ACL: 543697)
Website: www.believefinance.com.au

3. What Information We Collect

We may collect personal and sensitive information necessary to provide finance services, including but not limited to:

Personal Information

• Full name
• Date of birth
• Contact details (email, phone number, address)
• Identification documents (e.g. driver licence, passport)
• Employment and income details
• Financial information (assets, liabilities, expenses)

Credit & Financial Information

• Credit history and credit reports
• Banking and transaction data (via secure data sharing, where authorised)
• Loan and repayment history

Business Information (if applicable)

• Business name and structure
• ABN / ACN
• Financial statements

Technical & Usage Information

• IP address
• Device and browser information
• Application activity and timestamps

4. How We Collect Your Information

We collect personal information when you:

• Complete an application through our website or mobile app
• Upload documents or link banking data
• Communicate with us via phone, email, or chat
• Authorise third-party data sharing (e.g. open banking providers)

We may also collect information from:

• Credit reporting bodies
• Lenders and financial institutions
• Identity verification providers

5. Why We Collect Your Information

We collect, use, and disclose your personal information to:

• Assess your eligibility for finance products
• Provide credit assistance services
• Verify your identity and financial position
• Comply with responsible lending obligations
• Communicate with lenders on your behalf
• Improve our platform and user experience
• Meet legal and regulatory requirements

6. Disclosure of Personal Information

Your personal information may be disclosed to:

• Banks and non-bank lenders
• Credit reporting bodies
• Identity and fraud prevention services
• Technology and data service providers
• Regulatory authorities where required by law

We only disclose information that is reasonably necessary for the purpose of providing our services.

7. Credit Reporting

We may collect and disclose your personal information to credit reporting bodies to:

• Obtain credit reports
• Assess creditworthiness
• Verify information you provide

You have rights to access and correct your credit information under Australian law.

8. Overseas Disclosure

Some service providers may store or process data outside Australia. Where this occurs, we take reasonable steps to ensure your information is protected in accordance with Australian privacy laws.

9. Data Security

We take reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or disclosure, including:

• Secure servers and encryption
• Access controls and authentication
• Secure document uploads

Despite these measures, no data transmission is completely risk-free.

10. Retention of Information

We retain personal information only for as long as necessary to:

• Provide our services
• Comply with legal and regulatory obligations
• Resolve disputes

When no longer required, information is securely destroyed or de-identified.

11. Your Rights

You have the right to:

• Request access to your personal information
• Request correction of inaccurate information
• Withdraw consent (subject to legal obligations)

Requests can be made using the contact details below.

12. Cookies & Analytics

We use cookies and analytics tools to:

• Improve platform functionality
• Understand user behaviour
• Enhance security

You can manage cookie preferences through your browser settings.

13. Complaints

If you believe your privacy has been breached, please contact us:

Email: support@believefinance.com.au
Phone: 0451256365

We will investigate and respond within a reasonable timeframe.

If you are not satisfied, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

14. Changes to This Policy

We may update this Privacy Policy from time to time. The latest version will always be available on our website and platform.

15. Consent & Acknowledgement

By accessing or using this website, mobile application, or any digital platform operated by Believe Finance or its affiliates, partners, and service providers, you acknowledge and agree that:

• You have read and understood this Privacy Policy
• You consent to the collection, use, storage, and disclosure of your personal information in accordance with this Privacy Policy
• You authorise Believe Finance to obtain, verify, and exchange your personal and credit information with relevant third parties, including lenders, credit reporting bodies, and service providers, for the purpose of assessing your eligibility for financial products and services
• You understand that such information may be used to provide you with tailored finance options, facilitate your application, and improve our services

If you do not agree with this Privacy Policy, you should discontinue use of our website and services.