Privacy Policy
Introduction
In this Privacy Policy, “we”, “us” and “our” refer to FIFO Finance (Credit Representative Number 517525), authorised under Australian Credit Licence Number 384704, and our related businesses.
This Privacy Policy outlines how we collect, use, disclose and store personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
We are committed to protecting your privacy and handling your personal information responsibly. Where we handle credit information, we also comply with Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code 2014.
This Policy applies to all personal information collected by FIFO Finance through our website fifofinance.com.au, our services, and our interactions with clients, partners and applicants.
Why We Collect Personal Information
We collect and hold personal information to:
- assess and process applications for finance or credit
- manage and administer approved finance
- communicate with you about our services
- provide information about products and services that may be relevant to you
- manage our ongoing relationship with you
- meet legal, regulatory and compliance obligations (including AML/CTF requirements)
- respond to enquiries or complaints
Information We Collect
The personal information we may collect includes (but is not limited to):
- name, date of birth and contact details (phone, email, address)
- identification documents (e.g. driver’s licence, passport)
- employment, income and financial information
- asset and liability details
- bank account details (where required)
- credit information, including credit reports
If you apply for finance, we may also collect information relating to dependants, living arrangements, employment history, and supporting financial documentation.
We do not intentionally collect sensitive information such as political opinions, religious beliefs or ethnic background.
Information Collected From Third Parties
Where permitted by law, we may collect personal or credit information from third parties, including:
- credit reporting bodies
- lenders and funders
- accountants, solicitors or financial advisers
- identity verification services
- publicly available registers
This information is collected to verify your identity, assess applications, or meet compliance obligations.
How We Collect Personal Information
Personal information is generally collected directly from you via:
- online forms
- email, phone or in-person communication
- applications for finance or services
We may also use electronic verification tools and publicly available sources to confirm information you provide.
If you provide personal information about another person, you confirm that you have their consent to do so and that they have been made aware of this Privacy Policy.
Dealing With Us Anonymously
You may browse our website anonymously. However, where we are required by law to identify you (for example, when assessing finance), we may not be able to deal with you anonymously.
How We Use and Disclose Personal Information
We use and disclose personal information only where necessary to:
- assess and manage finance applications
- provide requested services
- communicate with you
- comply with legal obligations
- conduct direct marketing (where permitted)
We may disclose your personal information to:
- lenders, funders and credit providers
- service providers and contractors
- professional advisers (lawyers, accountants)
- regulators or government bodies (e.g. ASIC, AUSTRAC)
- identity verification and credit reporting bodies
- overseas service providers supporting our operations
You consent to these disclosures as part of using our services.
Direct Marketing
We may use your personal information to send you information about services or offers that may be relevant to you.
You can opt out at any time by contacting us at: info@fifofinance.com.au
We will honour opt-out requests promptly and at no cost.
Credit Information
Credit information is used to assess eligibility for finance and may include repayment history, defaults and current credit facilities.
We handle credit information in accordance with the Privacy Act and the Credit Reporting Code.
Security of Information
We take reasonable steps to protect personal information from misuse, loss, unauthorised access or disclosure.
Information is stored securely in electronic systems with restricted access. When information is no longer required, it is securely destroyed or de-identified unless retention is required by law.
Cross-Border Disclosure
Some service providers we use may be located overseas (including the Philippines). Where this occurs, we take reasonable steps to ensure those providers comply with privacy obligations consistent with Australian law.
Access and Correction
You may request access to, or correction of, your personal information by contacting us.
We will respond within a reasonable timeframe and in accordance with the Privacy Act. There is no fee for correction requests.
Complaints
If you have a privacy concern or complaint, please contact us first so we can attempt to resolve the issue.
If you are not satisfied, you may contact the Office of the Australian Information Commissioner (OAIC).
Notifiable Data Breaches
If a data breach occurs that is likely to result in serious harm, we will notify affected individuals and the OAIC as required by law.
Changes to This Policy
This Privacy Policy may be updated from time to time. The current version will always be available on our website.
Contact Us
For privacy enquiries, access requests or complaints:
Phone: 1300 137 159
Email: info@fifofinance.com.au