Privacy & Cookies Policy

Your Consent

We will only use and retain your Personal Information with your consent or other lawful bases. We are bound by the Privacy Act 1988 (Cth) and the UK Privacy Principles.

By communicating or dealing with us (including over the phone, text, email, social media or through our website), you consent to the information you provide being collected, used, disclosed and stored by us. If you provide Personal Information about a business, organisation or individuals other than yourself, you warrant that you have obtained their consent to us collecting, using, disclosing and storing their Personal Information. If you refuse to provide us with your Personal Information we are limited in the services we can provide.

Personal Information We May Process

“Personal Information” means information that identifies a business, organisation or individual. Examples of Personal Information we may collect include:

• ✓
  Business or organisation name, individual name, gender, address, telephone, fax, email, birth date
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  Profession and professional experience, financial information
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  Business or organisation details, your relationship with that business, contact details and financial information on the business
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  Correspondence, communications and messages between you and us, and between us and third parties
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  Information relating to any loan enquiry, including whether a loan has been approved, the date granted, and other loan details
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  Any other information provided to us by or in relation to you

Website Usage Information

We may collect information about your visits to and use of our website. This will normally be collected and used anonymously. However, if this information contains Personal Information, our privacy policy will apply.

Cookies

A ‘cookie’ is a small piece of data sent from a website and stored on the user’s computer by the user’s web browser. When you visit a site that uses cookies for the first time, a cookie is downloaded onto your device so that the next time you visit that site, your device will remember useful information.

We may use the following cookies:

• a
  Persistent cookies — cookies that last after you have closed your browser and allow a website to remember your actions and preferences such as settings and log-in details
• b
  Strictly necessary cookies — these enable you to move around the website and use its features, ensuring the security of your experience. Without these cookies, services you have asked for, such as enquiring for a loan, cannot be provided

Collection of Your Personal Information

Generally we collect your Personal Information from you directly (or through your authorised representative) including verbally over the phone or in person, by text, by filling in any form on our website, by filling in any printed form, by contacting us through social media and by email.

Information Generated by Us

We and our sub-contractors may generate Personal Information relating to you, including in responding to and dealing with any enquiry, providing our services, or information gained from your use of our website. We may record telephone calls with you.

Use of Your Personal Information

We use your Personal Information to inform you about our website and services, including to respond to enquiries and to keep you updated generally. We may send you emails, texts and social media messages, or contact you via telephone or mail.

We also use your Personal Information for the following purposes:

• a
  To keep internal records and maintain reasonable archives, including concerning enquiries and the progress of your matter
• b
  For direct marketing (see Direct Marketing section below)
• c
  For any purpose for which we have obtained your consent
• d
  For purposes other than those for which it was collected, in certain circumstances where you would reasonably expect us to disclose the information for that purpose

Consequences of Not Providing Your Personal Information

You are not obligated to provide your Personal Information. However, we may not be able to offer our services without it.

Period for Retaining Your Information

We will retain your Personal Information for as long as necessary to fulfil the purposes we collected it for, including to satisfy all legal, accounting, or reporting requirements.

Direct Marketing

We do not use or disclose your Personal Information for direct marketing purposes unless:

• a
  We have obtained your consent to this, such as through an opt-in box on any form or website of ours
• b
  You have submitted an enquiry to us and there is a legitimate interest to do so

We will use your Personal Information (either via email, text, social media, phone or mail) to send you marketing information about services offered by us and offered by third parties selected by us. You are free to stop receiving marketing information from us at any time by contacting us at the details below.

Disclosure of Your Personal Information

We transfer your Personal Information to third parties in the following circumstances:

• a
  Lenders — We disclose your Personal Information to lenders for them to contact you in respect of obtaining a loan
• b
  Credit Repair Service Providers — We disclose your Personal Information to credit repair service providers for them to contact you in respect of repairing your credit history
• c
  Invoice Factoring Providers — We disclose your Personal Information to invoice factoring providers for them to contact you in respect of purchasing your invoices
• d
  Business Function Outsourcing — Where we use third parties to host, provide, operate or supply any part of our website, database, systems or services, we may provide your Personal Information to them
• e
  Legal requirements — We may disclose Personal Information where reasonably necessary or as permitted under applicable law, including to comply with a legal requirement or for the administration of justice
• f
  Business purchasers — If our business is ever transferred to a third party, your Personal Information will be transferred to the purchaser to enable them to continue our business

Third Parties Handling Your Personal Information

In some cases, your Personal Information may be held or processed by others on our behalf. It will only be held and processed by them in accordance with our instructions and this privacy policy.

In other cases (i.e. lenders and other service providers), your Personal Information may need to be provided to them to be held and processed in their own right. In such cases, they will have their own responsibility for your Personal Information, subject to their own privacy policy.

Links to Other Websites

We may have links to third parties’ websites. Any Personal Information you provide on a third party webpage is subject to their privacy policy. We do not have access to information collected by those third party websites, and a link to a third party website does not indicate our endorsement of those websites or services.

Location of Your Personal Information

We may transfer, store and otherwise process your Personal Information anywhere within the UK. We will only send your Personal Information outside the UK to parties with whom we have a contract, and we ensure adequate safeguards are in place for such transfers.

Keeping Your Information Secure

We take appropriate measures to secure your information and protect it against unauthorised or unlawful access, use or interference and accidental loss or destruction, including secure computer storage and hard copy records.

Your Rights

You have certain non-contractual rights under applicable law, including:

• a
  Access — You may request us to tell you what Personal Information we are processing and for what purposes, and to provide you with a copy of your Personal Information that we hold
• b
  Rectification or Deletion — You have the right to have your Personal Information amended if it is inaccurate or incomplete, or deleted in certain circumstances

Changes to This Privacy Policy

We may change our privacy policy at any time and from time to time without notice to you, including by publishing a new version on our website. You should check for updates each time you visit our website.

Applicable Law and Disputes

Our privacy policy is subject to the laws of the United Kingdom and disputes are to be determined by the courts of the United Kingdom.

Copyright

This document, and all content on our website, is Copyright © 2025 eCommerce Funding Limited, all rights reserved.