Privacy Policy

 

At Theory Group Pty Ltd trading as Loan Theory (ABN 32 683 569 995) (“Loan Theory”, “we”, “us”, “our”), we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles. This Privacy Policy describes how we collect, use, hold and disclose your personal information, and how we keep it secure.

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What information do we collect?

 

We may collect personal information from you when you interact with us, including when you:

 

• make an enquiry through our website, phone, or email

• apply for finance or related services through us

• complete online forms or surveys

• participate in events, promotions, or webinars we run

• subscribe to receive updates or resources.

 

Personal information may include (but is not limited to):

 

• your name, date of birth, address and contact details

• employment and financial information (e.g. income, assets, liabilities, expenses)

• identification documents (e.g. driver’s licence, passport, Medicare card)

• sensitive information, such as health or vulnerability information you choose to share with us.

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How do we use your information?

 

We use your personal information to:

 

• provide you with advice and assistance in relation to your credit needs

• communicate with you during your finance application and ongoing relationship with us

• send you requested information, tools, or resources

• issue invoices and manage your account with us

• conduct client surveys and improve our services

• comply with legal and regulatory obligations.

 

We may also use your personal information internally to help us improve our services and to resolve issues.

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Direct marketing and email communications

 

From time to time, we may use your contact details to provide you with information about:

 

• finance and credit services relevant to you

• updates about Loan Theory

• invitations to webinars, events or workshops

• resources, guides or offers you may find useful.

 

We will only send you direct marketing communications where you have provided your consent (such as ticking a form box or opting in) or where otherwise permitted by law.

 

All promotional emails we send include a clear and functional unsubscribe link, allowing you to opt out at any time at no cost. You may also opt out by contacting us at hello@loantheory.com.au or phoning 0419 845 874. We will take all reasonable steps to action your request promptly.

 

We do not sell, rent or share your personal information with third parties for their own marketing purposes. However, we may use third-party email marketing service providers to manage and send our communications. These providers may store your information on servers outside Australia.

 

We aim to ensure that our communications are relevant and limited to information that you are likely to find useful. You can also contact us at any time to update your communication preferences.

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What if you don’t provide your information?

 

If you don’t provide us with the information we request, we may not be able to properly advise or assist you with your credit needs.

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How do we hold and protect your information?

 

We take reasonable steps to ensure that the personal information we hold is accurate, complete, up-to-date and secure. We keep personal information only for as long as it is reasonably necessary for the purposes for which it was collected or to comply with legal and regulatory obligations.

 

We store personal information in both electronic and physical formats. Electronic records are stored on secure systems with access controls, encryption and monitoring. Physical documents are held in secure facilities. We regularly review our security measures to protect your information against misuse, loss, unauthorised access, modification or disclosure.

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Disclosure of your information

 

We do not sell, trade or rent your personal information to others.

 

We may disclose your information to:

 

• our credit licensee for administration and supervision

• lenders, insurers, valuers and other service providers involved in your finance application

• professional advisers, contractors or service providers who assist us in operating our business

• regulators, law enforcement agencies or courts where required by law

• related bodies corporate in connection with business operations, mergers or reorganisations.

 

 

Overseas disclosures

 

Some of the recipients we disclose personal information to may be located overseas. These countries may include (but are not limited to) the Philippines, India, and Nepal. Where we disclose personal information overseas, we take reasonable steps to ensure that recipients handle your information in accordance with Australian privacy laws.

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Accessing and correcting your information

 

You have the right to access the personal information we hold about you, subject to some exceptions allowed by law. You may also request correction of any inaccurate, out-of-date or incomplete information.

 

To make a request, please contact our Privacy Officer using the details below. We do not charge for receiving a request or for making corrections. If we need to charge you for providing access (for example, where significant time or resources are involved), we will advise you of the cost before processing your request.

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Complaints

 

If you have a concern or complaint about how we have handled your personal information, please contact our Privacy Officer in writing at hello@loantheory.com.au. Please include as much detail as possible about your concern.

 

We will acknowledge your complaint promptly and aim to resolve it within a reasonable timeframe. If you are not satisfied with our response, you may refer your complaint to the Office of the Australian Information Commissioner (OAIC).

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Cookies & web beacons

 

We may use cookies and web beacons on our website from time to time to improve your browsing experience and analyse website traffic. Cookies are text files placed in your browser to store preferences. They do not identify you personally unless you choose to provide us with personal information.

 

You can choose to disable cookies through your browser settings, but this may limit the functionality of our website.

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Links to other websites

 

Our website may contain links to external websites. We are not responsible for the privacy practices of those websites. We encourage you to review their privacy policies when you visit them.

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Your consent

 

By engaging with Loan Theory, including submitting enquiries, applications or online forms, you consent to the collection, use and disclosure of your personal information in accordance with this Privacy Policy.

 

Contact us

 

If you have any questions, requests, or complaints about this Privacy Policy or our handling of your personal information, please contact:

 

Privacy Officer

Loan Theory

Email: hello@loantheory.com.au

Phone: 0419 845 874