Privacy Policy

Last updated: June 2026

Loan Ryder Finance (ABN 55 792 577 868) is a Credit Representative (Credit Representative Number 495259) of Fintelligence Pty Ltd ACN 625 017 174 Australian Credit Licence 511803. We are 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

We use Netlify (United States) for our website hosting, contact form processing, and analytics, which means some of your information may be stored or processed overseas. In addition, 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. Cookies

Our website does not set tracking or advertising cookies. We use Netlify Analytics, which measures aggregate website traffic from server-side logs and does not use cookies or client-side scripts to identify or track individual visitors. Because we do not use tracking cookies, no cookie consent banner is required to browse our site.

9. IP addresses

Our hosting provider, Netlify, records IP addresses in its server logs for security purposes and to produce aggregate visitor statistics. Some website features (such as animation libraries) are loaded from a third-party content delivery network, which may receive your IP address when your browser requests those files. We do not use IP addresses to identify you personally.

10. Advertising and tracking

We do not use third-party advertising networks, web beacons, or cross-site tracking technologies, and we do not track your activity across other websites.

11. Contact form submissions

When you submit our website contact form, the information you provide (your name, phone number, optional email address, the type of finance you are interested in, and any message) is collected and processed via Netlify Forms so that we can respond to your enquiry and assess suitable lending options. We do not offer save-and-resume online applications — the contact form simply sends us your enquiry.

12. 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).

13. 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.

14. 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

15. 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.