Privacy Policy

1. Introduction

Caleb Dale Stephen Jacobs (ABN: 84 131 824 543) (we, us or our) is committed to protecting your privacy and handling your personal information responsibly.

This Privacy Policy explains how we collect, hold, use, disclose and protect your personal information when you visit our website, submit an enquiry, complete an online form, request information about financial products or services, or otherwise interact with us.

We operate a lead generation platform that connects individuals seeking information about financial products and services with relevant third-party businesses, including finance brokers, mortgage brokers, lenders and other service providers.

We handle personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and other applicable Australian laws, including relevant obligations under the National Consumer Credit Protection Act 2009 (Cth).

By using our website or submitting an enquiry, you acknowledge that you have had the opportunity to read this Privacy Policy.

2. What Personal Information We Collect

Depending on the nature of your enquiry, we may collect the following information:

Personal identification information

• Full name.
• Date of birth.
• Residential address.
• Email address.
• Telephone and mobile numbers.

Financial information

• Employment status and occupation.
• Income and employment details.
• Approximate monthly expenses.
• Financial circumstances and existing liabilities.
• Loan requirements and borrowing preferences.
• Property ownership information.
• Credit-related information you voluntarily provide.

Enquiry information

• The type of financial product or service you are interested in.
• Your requested loan amount or finance requirements.
• Your preferred contact method.
• Details submitted through our website forms.
• Information relating to communications and interactions with us.

Technical information

When you access our website, we may automatically collect:

• IP address.
• Browser type and version.
• Device information.
• Website usage information.
• Pages visited and time spent on our website.
• Cookies and similar tracking technologies.

We do not intentionally collect sensitive information unless it is reasonably necessary for our functions or activities and permitted by applicable privacy laws.

3. How We Collect Your Personal Information

We may collect personal information through:

• Online enquiry and application forms.
• Website contact forms.
• Telephone conversations.
• Email correspondence.
• Online advertising campaigns.
• Social media advertising and lead forms.
• Third-party marketing platforms.
• Referrals and other lawful sources.

Where reasonably practicable, we collect personal information directly from you.

If we collect information from another organisation or third party, we will take reasonable steps to ensure that the collection is lawful and that appropriate privacy requirements are satisfied.

4. Why We Collect Your Personal Information

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

• Responding to your enquiries.
• Understanding your financial requirements.
• Identifying potentially suitable financial products or services.
• Connecting you with relevant finance brokers, mortgage brokers, lenders or other service providers.
• Forwarding your enquiry to selected third-party businesses.
• Allowing third-party businesses to contact you about your enquiry.
• Facilitating communication between you and relevant service providers.
• Improving our website, marketing and lead generation services.
• Managing our business operations.
• Complying with applicable legal and regulatory obligations.
• Preventing fraud and maintaining website security.

We will not use your personal information for purposes unrelated to those described in this Privacy Policy unless permitted or required by law or you have provided any consent required by law.

5. Disclosure of Your Personal Information to Third Parties

This section is particularly important to our lead generation business.

When you submit an enquiry through our website, you acknowledge that your personal information may be disclosed to third-party businesses for the purpose of responding to your enquiry and providing information about relevant products or services.

Depending on the nature of your enquiry, these businesses may include:

• Mortgage brokers.
• Finance brokers.
• Credit assistance providers.
• Lenders and credit providers.
• Financial service providers.
• Referral partners.
• Other businesses relevant to your enquiry.

These third parties may contact you by telephone, email or SMS to discuss your enquiry, understand your requirements and provide information about their products or services.

We may also disclose your information to:

• Website hosting providers.
• Customer relationship management (CRM) platforms.
• Marketing and advertising providers.
• Information technology and data storage providers.
• Professional advisers.
• Government agencies and regulatory authorities where required or authorised by law.

We take reasonable steps to ensure that third parties receiving personal information handle it appropriately and in accordance with applicable privacy requirements.

Third-party contact

By submitting an enquiry and providing the relevant consent, you authorise us to disclose your personal information to the relevant third-party service providers so they can contact you about the products or services you have requested.

We do not represent that every third-party provider will be suitable for your circumstances, and any financial product or service will be subject to the relevant provider's own assessment, eligibility criteria and terms.

We do not authorise third parties to use your information for unrelated purposes merely because we have referred your enquiry to them.

6. Consent to Contact and Marketing Communications

When you submit an enquiry, you may be asked to provide consent for us and relevant third-party service providers to contact you about your enquiry.

Depending on the consent you provide, contact may occur through:

• Telephone calls.
• SMS messages.
• Email.
• Other communication methods you have authorised.

Where applicable, we will obtain the necessary consent before using or disclosing your personal information for direct marketing.

You may withdraw your consent to marketing communications at any time by:

• Using the unsubscribe facility in an email.
• Replying STOP to an SMS where available.
• Contacting us using the details provided in this Privacy Policy.

Withdrawal of marketing consent does not necessarily prevent us or a third-party provider from contacting you about an existing enquiry, transaction or other matter where contact is otherwise permitted by law.

We will take reasonable steps to process requests to stop marketing communications.

7. Credit Information and Credit Reporting

We may collect general financial information that you voluntarily provide through our website to help identify relevant financial products or services.

We do not ordinarily obtain comprehensive credit reports or access credit reporting information merely because you submit an enquiry.

Where a finance broker or credit provider requires access to credit information, that organisation is responsible for obtaining any necessary authorisation and complying with applicable credit reporting requirements.

Any credit reporting information collected or handled by a third-party broker or credit provider will be subject to that organisation's privacy policy and applicable laws, including Part IIIA of the Privacy Act 1988 (Cth), where relevant.

8. Cookies and Tracking Technologies

Our website may use cookies, tracking pixels and similar technologies to:

• Improve website functionality.
• Understand website visitor behaviour.
• Measure advertising performance.
• Improve marketing campaigns.
• Remember user preferences.
• Analyse website traffic.

Some third-party advertising and analytics providers may also collect information through these technologies.

You can manage or disable cookies through your browser settings. However, disabling cookies may affect certain website functions.

9. Storage and Security of Personal Information

We take reasonable steps to protect your personal information against misuse, interference, loss, unauthorised access, modification or disclosure.

Security measures may include:

• Secure website connections.
• Password-protected systems.
• Access restrictions.
• Secure cloud storage.
• Appropriate staff access controls.
• Third-party technology security arrangements.

Personal information may be stored electronically using our internal systems and third-party service providers.

While we take reasonable steps to protect your information, no electronic transmission or storage system can be guaranteed to be completely secure.

If a data breach occurs, we will respond in accordance with applicable legal requirements, including the Notifiable Data Breaches scheme where applicable.

10. Overseas Disclosure

Some of our website hosting, software, analytics, CRM or technology providers may store or process personal information outside Australia.

Where personal information is disclosed to overseas recipients, we will take reasonable steps to comply with the applicable requirements of the Privacy Act 1988 (Cth), including Australian Privacy Principle 8 where applicable.

Countries in which information may be stored or processed include:

• Australia, US and EMEA.

11. Accessing and Correcting Your Personal Information

You may request access to personal information we hold about you.

You may also request that we correct information that is inaccurate, incomplete, misleading or out of date.

To make an access or correction request, please contact us using the details in this Privacy Policy.

We will respond within a reasonable period and in accordance with applicable privacy legislation.

In certain circumstances, we may be legally permitted to refuse access to particular information. If this occurs, we will explain the reasons where required by law.

12. Retention of Personal Information

We retain personal information only for as long as reasonably necessary for the purposes for which it was collected, including:

• Responding to enquiries.
• Maintaining business and transaction records.
• Meeting legal and regulatory obligations.
• Resolving disputes.
• Enforcing our agreements.
• Maintaining appropriate compliance records.

When personal information is no longer required, we will take reasonable steps to destroy or de-identify it, unless we are legally required or authorised to retain it.

13. Third-Party Websites

Our website may contain links to third-party websites.

We are not responsible for the privacy practices, content or security of external websites.

If you access a third-party website or submit information directly to a third-party service provider, you should review its privacy policy before providing your personal information.

14. Direct Marketing and Your Rights

We may use your personal information for direct marketing where permitted by applicable law.

We will provide an appropriate means for you to opt out of direct marketing communications.

You may request that we stop using or disclosing your personal information for direct marketing purposes.

Where applicable, we will also comply with the Spam Act 2003 (Cth), the Do Not Call Register Act 2006 (Cth) and relevant telemarketing requirements.

15. Privacy Complaints

If you believe we have mishandled your personal information or breached applicable privacy requirements, you may lodge a complaint with us.

Please provide details of your concern so that we can investigate.

We will:

• Acknowledge your complaint.
• Investigate the circumstances.
• Request further information if necessary.
• Take appropriate corrective action where required.
• Respond within a reasonable period.

If you are not satisfied with our response, you may be entitled to lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

Website: https://www.oaic.gov.au/

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business operations, website functionality, legal obligations or privacy practices.

The latest version will be published on our website, together with the updated date.

We encourage visitors to review this Privacy Policy periodically.

17. Contact Us

If you have any questions, concerns, access requests, correction requests or privacy complaints, please contact us:

• Business name: Caleb Dale Stephen Jacobs T/A Flo Finance
• ABN: 84 131 824 543
• Email: privacy@findyourflo.xyz
• Website: www.findyourflo.xyz
• Privacy Officer: Caleb Jacobs