Privacy Policy

1. About this policy

Repute Finance Pty Ltd (ABN 83 702 137 719) (“Repute Finance”, “we”, “us” or “our”) is a financial services and lending solutions provider based in Perth, Western Australia. We respect your privacy and are committed to protecting the personal information we hold about you.

This policy explains how we collect, use, disclose, store and otherwise handle personal information in accordance with the Privacy Act 1988 (Cth) and the 13 Australian Privacy Principles (APPs). By using our website at https://reputefinance.site or engaging our services, you agree to the handling of your personal information as described in this policy.

2. Personal information we collect

The types of personal information we may collect include:

• your name, date of birth and contact details (including residential address, email address);
• identification documents required to verify your identity, such as driver licence or passport details;
• employment details and income information;
• financial information, including assets, liabilities, expenses, bank account details and credit history;
• information about your financing requirements and circumstances relevant to the lending solutions we provide;
• records of your interactions with us, including enquiries, quotations and correspondence; and
• information you provide when you complete a form on our website, such as our quote request form.

We will only collect sensitive information (such as information about your health, where relevant to a finance application) with your consent, or where otherwise permitted by law.

3. How we collect personal information

Wherever practicable, we collect personal information directly from you, for example when you:

• submit an enquiry, quote request or contact form through our website;
• communicate with us by email;
• provide documents in support of a finance or lending application.

We may also collect personal information from third parties where it is unreasonable or impracticable to collect it directly from you, including from lenders and credit providers, credit reporting bodies, referees, your accountant or financial adviser, and other professionals you have authorised to provide information to us.

4. Why we collect and use personal information

We collect, hold, use and disclose personal information for purposes including:

• assessing and processing enquiries, quotations and applications for finance and lending solutions;
• verifying your identity as required by the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) and other applicable laws;
• arranging, managing and administering finance products and lending solutions on your behalf;
• responding to your enquiries and providing ongoing client service;
• meeting our record-keeping, regulatory and legal obligations, including under the National Consumer Credit Protection Act 2009 (Cth);
• improving our website, products and services; and
• direct marketing, where permitted by law (see section 9).

If we collect personal information about you and you do not provide some or all of that information, we may be unable to provide our services or progress your application.

5. Disclosure of personal information

We may disclose your personal information to:

• lenders, credit providers and financiers, for the purpose of assessing and arranging finance;
• credit reporting bodies, in accordance with the Privacy Act 1988 (Cth) and the Credit Reporting Code;
• service providers who assist us to operate our business, such as IT and hosting providers, secure data storage providers, and professional advisers (including accountants, auditors and lawyers);
• referees and third parties you have nominated or authorised;
• regulators, government agencies, tribunals or courts, where required or authorised by law; and
• any other person with your consent, or where otherwise permitted under the Australian Privacy Principles.

Some of our service providers, including cloud hosting and data storage providers, may be located outside Australia. Where personal information is disclosed overseas, we take reasonable steps to ensure that recipient handles your personal information in accordance with the Australian Privacy Principles.

6. Credit-related information

In connection with lending solutions, we may collect credit-related personal information about you, including information about your credit history, applications for credit and reports obtained from credit reporting bodies. We handle such information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles and the Credit Reporting Code. Credit-related information is used only for the purposes set out in this policy and as permitted by law.

7. Security and retention of personal information

We take reasonable steps to protect personal information we hold from misuse, interference, loss and unauthorised access, modification or disclosure. These steps include secure electronic storage, access controls limited to authorised personnel, and appropriate technical and organisational safeguards.

We will retain your personal information only for as long as reasonably necessary to fulfil the purposes for which it was collected, or as required by applicable record-keeping laws (commonly up to seven years). Once no longer required, we take reasonable steps to destroy or de-identify the information.

8. Cookies and website analytics

Our website may use cookies and similar technologies to improve your browsing experience and to analyse website traffic. Cookies are small files stored on your device. Most browsers allow you to refuse cookies or delete them through your browser settings; however, some features of our website may not function fully without them. Aggregated analytics data does not identify you personally.

9. Direct marketing

We may use your personal information to provide you with information about our finance and lending services, where you would reasonably expect this or you have consented. Every marketing communication we send will include a simple way to opt out, and you may also opt out at any time by emailing us at ceo@reputefinance.site. We will not use or disclose sensitive information for direct marketing without your consent.

10. Accessing and correcting your personal information

Under the Australian Privacy Principles, you have a right to request access to the personal information we hold about you, and to request corrections where that information is inaccurate, out-of-date, incomplete, irrelevant or misleading.

To make a request, please email us at ceo@reputefinance.site. We will respond to your request within a reasonable period. In limited circumstances, we may refuse access where permitted by law; if so, we will provide written reasons and information about how you may complain. There is generally no charge for access requests, although a reasonable fee may apply for providing copies of documents.

11. Privacy complaints

If you believe we have breached the Australian Privacy Principles or mishandled your personal information, please contact us at ceo@reputefinance.site with the details of your concern. We take complaints seriously and will acknowledge and investigate your complaint promptly, providing a written response within a reasonable time.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC) via www.oaic.gov.au.

12. Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology or legal requirements. The current version will always be published on this page, together with the date of the most recent update. Continued use of our website or services after an update constitutes acceptance of the revised policy.

13. Contact our Privacy Officer

If you have any questions about this Privacy Policy or how we handle your personal information, please contact our Privacy Officer:

Repute Finance Pty Ltd (ABN 83 702 137 719)
Perth, Western Australia
Email: ceo@reputefinance.site

You may also like to review our Terms of Service or return to our home page.