Privacy Policy

The information we collect depends on how you deal with us.

• Through this website: the details you enter in our application, enquiry, partner sign-up and referral forms — such as your name, phone number, email, postcode, the type and amount of finance you are interested in, whether it is for personal or business use, your work or business situation, and any referral code.
• When we help you arrange finance: information reasonably needed to assess and submit your application, such as identification details (for example driver licence or passport details), date of birth, address history, employment and income, assets, liabilities and expenses, details of your business or a company of which you are a director, and details of any guarantor.
• Credit-related information: information about your credit history and creditworthiness, including credit reports and scores obtained from credit reporting bodies, and information about credit you have applied for or hold.
• Referral partners: your name, business details and contact details, and the referral code we issue to you.

Our website forms do not ask for identification numbers, bank details or documents. We do not seek sensitive information (such as health information) unless it is needed for your application and you agree to provide it.

You can browse this website and make general enquiries without identifying yourself. If you want us to assess or arrange finance, we will need to identify you. If you do not provide the information we ask for, we may not be able to help with your application.

We collect most information directly from you — through this website, by phone or email, and from the documents you give us.

With your consent, or where the law allows, we may also collect information from credit reporting bodies; credit providers and lessors; your accountant, employer or other document issuers (to confirm your identity and the information you have given us); a co-applicant, guarantor or company director; publicly available sources; and referral partners who confirm that you have agreed to be contacted by us.

We use your information to:

• respond to your enquiry or application and contact you about it;
• assess your consumer or commercial credit application or guarantee, or that of a company of which you are a director;
• find a suitable credit provider or lessor, and any insurance you ask us to source, and manage the application through to settlement;
• verify your identity and the information you have provided;
• manage our relationship with referral partners and record which partner referred an application;
• meet our legal, licensing and regulatory obligations, and handle complaints;
• run and improve our business and website; and
• tell you about products or services that may interest you, where you have agreed or the law allows (see section 8).

With your consent, we may disclose your identification information to a credit reporting body (CRB) and obtain credit reporting information about you to help us preliminarily assess your application. Credit providers to whom we submit your application may also exchange information about you with CRBs; each credit provider's own privacy and credit reporting policy explains how.

The CRBs we or those credit providers may deal with are:

• Equifax — equifax.com.au — 1300 921 621
• Experian — experian.com.au — 1300 783 684
• illion — illion.com.au — 13 23 33
• Tasmanian Collection Service — tascol.com.au — (03) 6213 5555

Each CRB has a policy explaining how it manages credit-related information, available on its website. You have the right to ask a CRB not to use your credit reporting information to pre-screen you for direct marketing by a credit provider, and to ask a CRB not to use or disclose your credit reporting information if you believe on reasonable grounds that you have been, or are likely to be, a victim of fraud.

A CRB may include information we or a credit provider disclose in reports it gives to other credit providers to help them assess your creditworthiness. If you fail to meet your payment obligations under a credit contract, or commit a serious credit infringement, the credit provider may be entitled to disclose this to a CRB.

We may disclose your information to:

• credit providers and lessors on our panel to whom we submit your application, and aggregators or platforms used to submit it — when we carry out tasks for a credit provider to manage your application, we act as its agent;
• insurers, if you ask us to source insurance;
• a co-applicant, guarantor or prospective guarantor, where relevant;
• our licensee, Rialto Bridge Capital Pty Ltd, for supervision and compliance;
• people acting for you, such as your accountant, solicitor or another person you nominate;
• organisations that provide services to us, such as IT, cloud and website hosting providers, our customer relationship management system, identity verification services, document custodians, lawyers, auditors and mail houses;
• an organisation that acquires, or is considering acquiring, an interest in our business; and
• regulators, dispute resolution bodies, law enforcement agencies and others where the law requires or authorises it.

If you apply using a referral partner's link or code, we record which partner referred you and may tell the partner that you applied and the general status of the referral. The details of your finances stay between you and Bizzy unless you agree otherwise.

We do not sell your personal information.

Some of the service providers we use store or process information outside Australia. It is not practical to list every country, but they are likely to include Germany, New Zealand, the United Kingdom, the Philippines, Singapore, Malaysia, Vietnam and the United States. When we disclose information overseas we take reasonable steps to make sure it is handled consistently with the Australian Privacy Principles.

When you open a referral partner's link, this website stores a cookie containing that partner's referral code for up to 60 days so it can be added to your application. If you choose a language on this website (for example Simplified Chinese), a cookie remembers that choice for up to 12 months. You can delete cookies in your browser settings at any time.

Like most websites, our hosting provider automatically records technical information such as your IP address, browser type and the pages requested, which we use to keep the site secure and working.

We also use our hosting provider's privacy-friendly visit statistics to count visits and see which pages are used, so we can improve the website. These statistics are aggregated, don't use cookies and aren't used to identify you. This website does not use advertising or cross-site tracking cookies. If that changes, we will update this policy.

Our website may link to other websites. We are not responsible for their privacy practices and encourage you to read their policies.

We will only send you marketing by email or SMS if you have agreed or the law otherwise allows it. Every marketing message identifies us and tells you how to opt out, and you can opt out at any time by contacting us. Submitting an enquiry or application does not, by itself, subscribe you to marketing. We do not use credit reporting information for direct marketing.

With your consent we may give you documents — such as our Credit Guide, credit proposal and privacy disclosures — by email. You can withdraw that consent at any time by contacting us.

We hold information in electronic systems and, in some cases, on paper. We take reasonable steps to protect it from misuse, interference and loss, and from unauthorised access, modification or disclosure — including access controls, password protection, encryption in transit and staff confidentiality obligations.

We keep information only for as long as we need it for the purposes in this policy or as the law requires (in general, records relating to credit assistance are kept for at least seven years). After that we take reasonable steps to destroy or de-identify it.

If a data breach involving your information is likely to result in serious harm, we will notify you and the Office of the Australian Information Commissioner as required by law.

You can ask for access to the personal and credit-related information we hold about you, and ask us to correct it if you think it is inaccurate, out of date, incomplete, irrelevant or misleading. Contact our Privacy Officer on 03 9696 8888 or at finance@bizzyfinance.com.au. We will need to confirm your identity first.

We will respond within 30 days. There is no fee to make a request or to correct information; a reasonable fee may apply for the cost of providing access. If we refuse a request, we will tell you why in writing and how you can complain. If we correct credit-related information that we previously disclosed to others, we will let them know where the law requires.

You can also ask us for a copy of this policy in another form, such as by email or on paper, free of charge.

If you believe we have breached the Privacy Act, the Australian Privacy Principles or the CR Code, please contact our Privacy Officer on 03 9696 8888 or at finance@bizzyfinance.com.au. We will look into it and let you know the outcome.

If you are not satisfied with our response, you can contact the Australian Financial Complaints Authority (AFCA) — afca.org.au, 1800 931 678, info@afca.org.au, GPO Box 3, Melbourne VIC 3001 — or the Office of the Australian Information Commissioner (OAIC) — oaic.gov.au, 1300 363 992, GPO Box 5288, Sydney NSW 2001.

We may update this policy from time to time. The current version is always available on this page, with the date it was last updated.