Privacy Policy
Prospect Loans respects your privacy and is committed to handling personal information responsibly and transparently. This Privacy Policy explains how we collect, use, disclose and protect personal information in connection with our website and services.
1. Information We Collect
We may collect information that you provide to us, including:
- Your name.
- Email address.
- Phone number.
- Loan or finance requirements.
- Requested loan amount.
- Credit profile information that you choose to provide.
- The purpose of your enquiry.
- Any other information you submit through our forms, email, phone or other communications.
We may also collect limited technical information, such as your IP address, browser type, device information and website usage information, where reasonably necessary for security, website operation and analytics.
2. How We Collect Information
We collect personal information directly from you when you:
- Submit an enquiry or contact form.
- Request information about our services.
- Contact us by email or phone.
- Communicate with us in connection with a finance enquiry or service.
- Browse or use our website, where certain technical information may be collected automatically.
3. How We Use Personal Information
We may use personal information to:
- Respond to your enquiry.
- Understand and discuss your finance requirements.
- Contact you about your enquiry.
- Provide information or services you request.
- Send transactional communications, such as enquiry confirmations.
- Verify, maintain and improve our website and services.
- Protect our website and systems from fraud, spam and misuse.
- Comply with legal, regulatory and professional obligations.
We will not use your personal information for unrelated direct marketing unless permitted by law or you have provided the required consent. You may opt out of marketing communications at any time.
4. Disclosure to Service Providers
We may disclose personal information to trusted service providers that help us operate our website and business. These providers may include website hosting providers, form-processing providers, email delivery providers, security providers, analytics providers and other technology or business service providers.
For example, information submitted through our website may be processed by a third-party form or email provider so that we can receive and respond to your enquiry.
We only disclose information where reasonably necessary for the relevant service, business purpose or legal obligation. We do not sell your personal information.
5. Overseas Processing
Some service providers may store or process personal information outside Australia. Where this occurs, we take reasonable steps to require those providers to handle personal information securely and consistently with applicable privacy obligations.
You can contact us using the details below if you require more information about likely overseas service providers relevant to your enquiry.
6. Security
We take reasonable technical and organisational steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure. These steps may include access controls, secure connections, environment-based secrets, validation and security monitoring.
No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
7. Retention
We retain personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, to provide services, manage enquiries, resolve disputes, maintain business records and comply with legal or regulatory obligations.
When information is no longer required, we take reasonable steps to securely delete or de-identify it, subject to applicable retention requirements.
8. Access and Correction
You may request access to personal information we hold about you or ask us to correct information that is inaccurate, incomplete or out of date.
To make a request, contact us using the details below. We may need to verify your identity before responding to a request.
9. Privacy Complaints
If you have a question or complaint about how we handle your personal information, please contact us first using the details below. We will acknowledge and investigate your complaint and respond within a reasonable timeframe.
If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) through its website at www.oaic.gov.au.
10. Cookies and Analytics
Our website may use cookies or similar technologies to support essential website functionality, security, performance and analytics. You can adjust cookie settings through your browser, although disabling some cookies may affect website functionality.
11. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We recommend reviewing their privacy policies before providing personal information.
12. Changes to This Policy
We may update this Privacy Policy from time to time. The updated version will be published on this page with a revised last-updated date.
13. Contact Us
For privacy enquiries, access or correction requests, or privacy complaints, contact:
Prospect Loans
By submitting an enquiry through our website, you acknowledge that Prospect Loans may collect and use your information to respond to your enquiry and provide requested services. Your information may be processed by trusted service providers as described in this Privacy Policy.
