Privacy Policy

Overview

CoreLend (operated by Jonathan Al Aaraj, Credit Representative No. 572954) is committed to protecting your personal information. This policy explains what we collect, why we collect it, how we use it, and your rights in relation to it.

We handle your information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). If you have any questions after reading this, contact us directly.

1. Information We Collect

We collect personal information that is necessary to assess your finance needs and provide broking services. This may include:

• Your name, date of birth, and contact details (email, phone, address)
• Employment status, income, and financial information
• Details about assets, liabilities, and expenses
• Information about the property or asset you are seeking finance for
• Identification documents required by lenders or for verification purposes

We collect this information directly from you, through our contact form, by phone, by email, or through third parties such as lenders and credit reporting bodies where permitted by law.

We only collect what is reasonably necessary. If you choose not to provide certain information, we may not be able to provide the services you are requesting.

2. How We Use Your Information

We use your personal information to:

• Assess your borrowing capacity and finance needs
• Research and recommend suitable credit products from our lender panel
• Prepare and submit loan applications on your behalf
• Communicate with you about the progress of your application
• Meet our legal and regulatory obligations under the National Consumer Credit Protection Act
• Contact you about your existing loan arrangements or relevant product updates (where you have consented)

We will not use your information for any purpose that is incompatible with the reason it was collected without your consent.

3. Disclosure to Third Parties

We may disclose your personal information to:

• Lenders and credit providers, to assess and process your loan application
• Outsource Financial Pty Ltd (ACL 384324), our Australian Credit Licence holder, as required for compliance and oversight
• Credit reporting bodies, to obtain credit reports where required for a loan application
• Solicitors, valuers, and other professional service providers, where necessary to facilitate your loan
• Regulatory bodies, such as ASIC, where we are legally required to do so

We do not sell your personal information. We do not share it with marketing companies or unrelated third parties.

Some of our service providers may be located overseas (for example, cloud storage or CRM software). Where this occurs, we take reasonable steps to ensure your information is handled in accordance with the APPs.

4. Data Security

We take the security of your personal information seriously. We implement reasonable physical, electronic, and administrative safeguards to protect your information from misuse, loss, unauthorised access, modification, or disclosure.

Our contact form and communications use industry-standard encryption (TLS/HTTPS). Access to your file is limited to people who need it to provide services to you.

If we no longer require your information and are not required by law to retain it, we will take reasonable steps to destroy or de-identify it securely.

No transmission of data over the internet is completely secure. While we do everything reasonable to protect your information, we cannot guarantee absolute security of any data you send us electronically.

5. Cookies

Our website uses cookies, small text files placed on your device, to help the site function correctly and to understand how visitors use it.

We may use:

• Essential cookies, required for basic site functionality
• Analytics cookies, to understand page traffic and improve content (e.g. Google Analytics)

You can control cookies through your browser settings. Disabling cookies may affect some website functionality. We do not use cookies to collect sensitive personal information.

6. Your Rights

Under the Australian Privacy Principles, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or out-of-date information
• Opt out of direct marketing communications
• Make a complaint if you believe we have not handled your information appropriately

To exercise any of these rights, contact us using the details below. We will respond within a reasonable timeframe (generally 30 days). If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au.

7. Contact Us

If you have any questions about this Privacy Policy, wish to access your personal information, or want to make a complaint, please contact:

This policy may be updated from time to time. The current version is always available on this page. Material changes will be notified where practicable.