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Privacy Policy

Last updated: 01/09/2025

 

1. Introduction

 

Loans by Dale (“we”, “us”, “our”) is a credit representative (CRN 539483) of Finsure Finance and Insurance Pty Ltd (ABN 72 068 153 926, Australian Credit Licence 384704).

We are committed to protecting your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This Privacy Policy explains how we collect, use, store and disclose your personal information when providing credit assistance services.

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2. What information we collect

 

The types of personal information we may collect include:

  • Identification details (name, date of birth, address, contact details, driver licence or passport);

  • Financial information (income, expenses, assets, liabilities, credit history, tax and accounting records);

  • Employment or business details (employer name, ABN/ACN, payslips, BAS statements);

  • Loan and banking details relevant to assessing your credit needs;

  • Any other information you provide to us in relation to your finance application.

We may also collect sensitive information (e.g. health or insurance information) but only with your consent and if it is directly relevant to your credit application.

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3. How we collect information

 

We collect personal information directly from you when you:

  • Complete our forms or calculators on this website;

  • Provide documents during the loan application process;

  • Contact us by phone, email or in person.

We may also collect information from third parties where authorised, including:

  • Credit reporting bodies;

  • Employers, accountants or referees;

  • Publicly available sources;

  • Finsure’s systems and lender partners.

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4. Why we collect and use your information

 

We collect and use your personal information for the purpose of:

  • Providing credit assistance and arranging finance with lenders;

  • Assessing your application against lender requirements and responsible lending obligations;

  • Meeting our legal and compliance obligations under the National Consumer Credit Protection Act 2009 (NCCP Act);

  • Communicating with you about your application and related services;

  • Managing ongoing client relationships, including customer care and follow-up.

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5. Disclosure of your information

 

We may disclose your personal information to:

  • Finsure Finance and Insurance Pty Ltd (our aggregator) for compliance and operational support;

  • Lenders and product providers when arranging finance;

  • Credit reporting bodies, for the purpose of assessing your application;

  • Service providers such as IT support, data storage, identification verification services, and external compliance auditors;

  • Professional advisers such as accountants, solicitors or financial planners (with your consent);

  • Government, regulatory and dispute resolution bodies such as ASIC, AUSTRAC, or AFCA where required by law.

Some service providers may be located overseas (including but not limited to cloud data hosting). Where this occurs, we will take reasonable steps to ensure that your information is handled in accordance with the APPs.

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6. Marketing

 

We may use your contact information to provide you with updates, news or promotions related to our services. You may opt out at any time by contacting us using the details below.

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7. Security and storage

 

We take reasonable steps to protect your personal information from misuse, loss, unauthorised access or disclosure. Your information is stored in secure electronic systems provided by Finsure and its service providers.

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8. Access and correction

 

You have the right to request access to the personal information we hold about you, and to request correction if you believe it is inaccurate or incomplete. We will respond to your request within a reasonable timeframe.

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9. Complaints

 

If you have a concern about how we handle your personal information, please contact us:

Loans by Dale
Email: info@loansbydale.com.au
Phone: 0430 090 075

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We will acknowledge and investigate your complaint promptly. If you are not satisfied with our response, you may refer your complaint to:

Australian Financial Complaints Authority (AFCA)
Phone: 1800 931 678
Email: info@afca.org.au
Mail: GPO Box 3, Melbourne VIC 3001

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10. Contact us

 

If you have any questions about this Privacy Policy or how your information is handled, please contact us at:

Loans by Dale
Email: info@loansbydale.com.au

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