Who this policy applies to
This Privacy Policy applies to Finbridge Finance Pty Ltd ACN 652 852 205 and Alice Wang, Credit Representative Number 565187. Credit Representative Number 565187 is authorised under Australian Credit Licence 384324 held by outsource Financial Pty Ltd ACN 131 090 705.
What information we collect and how we use it
When we assist with your finance needs, we ask for information needed to understand your borrowing requirements, borrowing capacity and the finance options that may be available to you.
We may use your information to advise about and assist with your finance needs, prepare applications, communicate with lenders and manage ongoing requirements such as refinancing, client service, records and relationship management.
We may provide information to lenders, aggregators, outsource Financial Pty Ltd, their representatives, and other companies with whom you choose to deal, so they can assess whether to provide finance and on what terms.
If you do not provide complete information
We can only properly assist with your borrowing capacity and the suitability of a loan if we have all relevant information. If you do not provide full information, we may not be able to properly advise or assist you.
How we hold and protect your information
We strive to maintain the reliability, accuracy, completeness and currency of the personal information we hold and to protect its privacy and security. We keep personal information only for as long as reasonably necessary for the purpose for which it was collected, or to comply with applicable legal, ethical, reporting or document retention requirements.
Your information may be held electronically in secure business systems, email systems, lender or aggregator platforms, cloud storage, and where necessary in paper form. We take reasonable steps to protect information from misuse, interference, loss, unauthorised access, modification or disclosure.
Overseas storage and processing
We may hold or process information on servers located overseas for filtering, hosting, storage, reporting, analytics, or system development and testing purposes. Where this occurs, we take reasonable steps to work with providers that have appropriate data handling and security arrangements.
Based on the Outsource privacy template, countries may include the United States, Singapore, Serbia and the Philippines. Overseas organisations may be required to disclose information under foreign laws.
Will we disclose information to anyone?
We do not sell, trade or rent your personal information to others.
We may disclose information to lenders, outsource Financial Pty Ltd, aggregators, credit assistance providers, service providers, contractors, professional advisers, or other parties where needed to assist with your finance needs, operate our business, comply with law, or where the Privacy Act permits.
Accessing or correcting your information
You can ask to access or correct the personal information we hold about you. Please contact Alice Wang using the details below. We do not charge for receiving a request for access to personal information or for complying with a correction request.
- Email: alicewang@finbridgeloan.com.au
- Phone: 0451 115 836
Your consent
By asking us to assist with your finance needs, you consent to the collection and use of the information you provide for the purposes described in this Privacy Policy.
Privacy questions or complaints
We welcome questions and comments about privacy. If you have any concerns or complaints, please contact Alice Wang at alicewang@finbridgeloan.com.au or 0451 115 836.
本隐私政策适用对象
本隐私政策适用于 Finbridge Finance Pty Ltd ACN 652 852 205 以及 Alice Wang，Credit Representative Number 565187。Credit Representative Number 565187 is authorised under Australian Credit Licence 384324 held by outsource Financial Pty Ltd ACN 131 090 705。
我们收集哪些信息，以及如何使用
当您委托我们协助处理财务需求时，我们会收集必要信息，用于了解您的借款需求、借款能力，以及可能适合进一步评估的贷款方向。
我们可能使用您提供的信息，为您说明并协助处理房贷、车贷、个人贷款等相关财务需求，包括准备申请资料、与信贷机构沟通、处理转贷、客户服务、记录保存及客户关系管理等事项。
为协助您完成咨询或贷款申请，我们可能向信贷机构、信贷聚合平台、outsource Financial Pty Ltd、其代表、服务提供商，以及您选择合作的其他机构，提供必要相关资料，以便其评估是否提供贷款以及相关条款。
如果资料不完整
我们需要取得与您情况相关的完整资料，才可较准确地协助评估借款能力及贷款适配方向。若您未能提供完整资料，我们可能无法妥善为您提供说明或协助。
我们如何保存及保护信息
我们会尽力维护所持个人信息的可靠性、准确性、完整性及及时性，并采取合理措施保护其隐私与安全。我们仅会在达成收集目的所需期间内，或为符合法律、合规、报告及文件保存要求而合理保存相关信息。
您的信息可能以电子形式保存在业务系统、邮件系统、信贷机构或聚合平台、云端存储中；必要时也可能以纸质形式保存。我们会采取合理措施，防止信息被误用、干扰、遗失、未经授权访问、修改或披露。
海外存储及处理
我们可能因过滤、托管、存储、报告、分析、系统开发或测试等目的，将信息保存在海外服务器或由海外服务商处理。出现此类情况时，我们会采取合理措施，与具备适当信息处理和安全安排的服务商合作。
根据 Outsource 隐私模板，相关国家可能包括美国、新加坡、塞尔维亚及菲律宾。海外机构可能需依据当地法律披露相关信息。
我们是否会披露信息
我们不会出售、交易、出租您的个人信息。
在协助处理您的财务需求、运营业务、履行法律要求，或 Privacy Act 允许的情况下，我们可能向信贷机构、outsource Financial Pty Ltd、信贷聚合平台、信贷协助服务提供方、服务商、承包商、专业顾问或其他相关方披露必要信息。
查阅或更正您的信息
您可以要求查阅或更正我们留存的您的个人信息。请通过以下方式联系 Alice Wang。我们不会因接收查阅请求或处理更正请求而向您收费。
您的同意
当您委托我们协助处理财务需求时，即代表您同意我们依据本隐私政策收集及使用您提交的信息。
隐私问题或投诉
如您对隐私事项有任何疑问、意见或投诉，欢迎联系 Alice Wang，邮箱为 alicewang@finbridgeloan.com.au，电话为 0451 115 836。