Privacy Policy
Last updated: May 2026
Loan Ryder Finance (ABN 55 792 577 868, ACL #495259) is committed to protecting the privacy of individuals in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
1. What personal information we collect
We may collect and hold the following types of personal information:
- Name, date of birth, and contact details (phone, email, address)
- Employment details and income information
- Financial information including assets, liabilities, credit history, and bank statements
- Identification documents (e.g. driver licence, passport)
- Details of the finance product you are seeking
- Information provided via our website contact form or in direct communications
2. How we collect personal information
We collect personal information:
- Directly from you (via phone, email, our website contact form, or in person)
- From third parties such as credit reporting agencies, lenders, or accountants (with your consent)
- From publicly available sources where permitted
We will only collect sensitive information with your consent or where the law requires or authorises it.
3. Why we collect personal information
We collect and use your personal information to:
- Assess your finance needs and recommend suitable credit products
- Prepare and submit applications to lenders on your behalf
- Comply with our obligations as a credit representative under the National Consumer Credit Protection Act 2009 (NCCP Act)
- Communicate with you regarding your application and any subsequent matters
- Comply with any applicable legal or regulatory requirements
4. Disclosure of personal information
We may disclose your personal information to:
- Lenders and financial institutions to whom we submit your application
- Credit reporting agencies (where permitted)
- Our aggregator / licensee as required for compliance purposes
- Professional advisors (lawyers, accountants) where necessary
- Government agencies or regulators where required by law
We do not sell your personal information to third parties for marketing purposes.
5. Storage and security
We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure. Your information may be stored in electronic systems (including CRM and lender portals). We use password protection, access controls, and secure file transfer methods.
When personal information is no longer needed for the purpose it was collected, we will take reasonable steps to destroy or de-identify it.
6. Overseas disclosure
Some of the lenders and technology providers we work with may be located overseas (e.g. cloud service providers). Where we disclose your information to an overseas recipient, we take reasonable steps to ensure the recipient handles it in accordance with Australian privacy standards.
7. Marketing communications
We may contact you about products or services that may be of interest to you, but only where you have provided consent or where permitted by law. You may opt out at any time by contacting us.
8. Access and correction
You have the right to request access to the personal information we hold about you and to request corrections if you believe it is inaccurate, out of date, or incomplete. To make a request, contact us using the details below. We will respond within a reasonable time (generally within 30 days).
9. Complaints
If you believe we have handled your personal information in a way that does not comply with the Privacy Act, please contact us first. If we cannot resolve your complaint, you may contact the Office of the Australian Information Commissioner (OAIC) at oaic.gov.au or on 1300 363 992.
10. Contact us
For privacy-related enquiries, corrections, or complaints:
- Email: kiri@loanryderfinance.com.au
- Phone: 0417 997 714
- Address: 12 Royston Way, Lakelands WA 6180
11. Updates to this policy
We may update this Privacy Policy from time to time. The current version is always available on our website. We recommend checking periodically for any updates.