Privacy Policy

Overview

In handling your personal information, The Trustee for Acctpro Finance Unit Trust ABN 88 695 578 503 and its individual representatives (“the Broker”) are committed to complying with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

The Broker holds Australian Credit Licence 398415, trading as Acctpro Finance Pty Ltd / YML Finance. Any reference to “we”, “us” or “our” includes our aggregator, Connective Broker Services Pty Ltd (ABN 77 161 731 111, Credit Representative 437202, ACL 389328) and any of its related companies.

When you ask us to assist you, you agree we can, consistent with Australia’s privacy and credit reporting laws, collect, use and exchange personal and credit information about you for the purposes described in this policy.

What Information We Collect

The personal information we collect may include your name, address, date of birth and contact details; employment history, income, assets and liabilities; credit history and credit report information; business and financial information (for commercial applications); and any sensitive or vulnerability information you voluntarily provide.

Why We Collect Your Information

We collect your information to assess your credit application, source a suitable credit provider and any required insurances, manage the loan application and settlement process, and meet our legal obligations as a licensed credit assistance provider. If you do not provide the information we request, we may be unable to process your application.

How We Use and Disclose Your Information

We may disclose your information to credit providers and lenders; consumer and commercial credit reporting services (see Schedule 1); insurers; our aggregator Connective and its related companies; legal practitioners, accountants, and other service providers who assist us; and any organisation that acquires an interest in our business.

Overseas disclosure: Some recipients may be located overseas, including the Philippines, India and Nepal (primarily Connective’s operations infrastructure).

Website Enquiries

When you submit an enquiry through our website contact form, by email, or via WhatsApp, we collect the personal information you provide (name, email, phone number, loan enquiry details) solely to respond to your enquiry and assess whether we can assist you. We do not sell or share this information with third parties for marketing purposes. Our website may use cookies and third-party tools including Google Reviews widgets, subject to those providers’ privacy policies.

Cookies and Website Analytics

Our website uses cookies and similar technologies. Some are needed for the site to work properly. We also use Google Analytics, through Google Tag Manager, to understand how visitors use our website, such as which pages are viewed and whether an enquiry form is submitted. This information does not directly identify you, and we use it only to improve our website and services.

Google may store and process this information on servers outside Australia, including in the United States. You can read how Google uses this information at policies.google.com/technologies/partner-sites.

You can opt out of analytics at any time through our cookie settings, by setting your browser to block or delete cookies, or by installing the Google Analytics Opt-out Browser Add-on. Blocking cookies will not stop you using our website or contacting us.

How We Protect Your Information

We take all reasonable steps to protect your personal information from misuse, loss, unauthorised access, modification or disclosure. Measures include restricted staff access, password protection, internet firewalls, physical access restrictions, and secure destruction of information when no longer required.

Your Rights

You have the right to request access to the information we hold about you, request correction of inaccurate information, ask a credit reporting service not to use your information for direct marketing pre-screening, and request a copy of this Privacy Policy at any time. To exercise these rights, contact our Privacy Officer:

Complaints

If you have a concern about how we have handled your personal information, please contact us first. If unresolved within 30 days, you may contact:

Office of the Australian Information Commissioner (OAIC): www.oaic.gov.au | 1300 363 992

Australian Financial Complaints Authority (AFCA): www.afca.org.au | 1800 931 678 (free call)

Credit Reporting

As part of assessing your application, we or Connective may obtain a credit report about you from a credit reporting service. By engaging us to assist with your loan application, you authorise us to obtain this report on your behalf.

Schedule 1: Credit Reporting Services