Australian Asset & Lending Solutions ("AALS", "we", "us" or "our") respects your privacy and is committed to handling personal information in a transparent and responsible way.
This Privacy Policy explains how we collect, hold, use and disclose personal information when you use our website, submit an enquiry or application, provide supporting documents, communicate with us, or otherwise engage our services.
Personal Information We Collect
The kinds of personal information we may collect depend on your interaction with us and may include:
- Name, address, date of birth, contact details and identification information;
- Business, ABN, ACN, trading, industry and employment information;
- Finance application details, asset details, loan purpose, requested amount and preferred structure;
- Financial information, bank details, income, expenses, assets, liabilities, ATO information and supporting documents;
- Director, guarantor, accountant, vendor, dealer, referrer and business reference details;
- Electronic signatures, uploaded documents and application declarations;
- Website usage information, device information, IP address, cookies and analytics data; and
- Records of communications, enquiries, complaints and consent preferences.
How We Collect Information
We usually collect personal information directly from you when you complete an online form, upload documents, sign a consent, contact us by phone or email, or work with us during a finance application.
We may also collect information from third parties where permitted by law or with your consent, including lenders, financiers, credit providers, credit reporting bodies, referrers, brokers, accountants, dealers, vendors, government registers, identity verification services and publicly available sources.
Why We Collect, Use And Disclose Information
We collect, hold, use and disclose personal information for purposes connected with our commercial finance services, including to:
- Respond to enquiries and assess finance requirements;
- Prepare, package, submit and manage applications for finance;
- Verify identity, business details, asset details and supporting information;
- Communicate with applicants, guarantors, referrers, lenders, vendors and professional advisers;
- Arrange electronic signing, document storage, application summaries and workflow notifications;
- Meet legal, regulatory, lender, fraud prevention, record keeping and compliance obligations;
- Manage client relationships, referrals, service quality, complaints and internal administration; and
- Send relevant service updates or marketing communications where permitted, with the ability to opt out.
Who We May Disclose Information To
We may disclose personal information where reasonably necessary for the purposes above, including to lenders, financiers, private funders, credit providers, credit reporting bodies, insurers, valuers, brokers, referrers, accountants, solicitors, dealers, vendors, identity verification providers, electronic signing providers, CRM providers, website hosting providers, cloud storage providers, email and SMS providers, regulators, dispute resolution bodies and other service providers.
Where a third party is involved, their own privacy policy and procedures may also apply.
Overseas Disclosure
Some technology, cloud, CRM, email, storage, analytics or communication providers may store or process information outside Australia. Where personal information is disclosed overseas, we will take reasonable steps to ensure it is handled consistently with applicable privacy obligations.
Security And Storage
We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification and disclosure. This may include access controls, secure systems, document handling procedures and limiting access to people who need the information to perform their role.
No internet transmission or electronic storage method is completely secure. If you believe your information has been affected by a security issue, please contact us promptly.
Access And Correction
You may request access to personal information we hold about you or ask us to correct information you believe is inaccurate, out of date, incomplete, irrelevant or misleading.
We may need to verify your identity before processing a request. In some circumstances, access may be refused or limited where permitted by law.
Privacy Complaints
If you have a privacy concern or complaint, please contact us in writing using the details below. We will acknowledge your concern, investigate it and respond as soon as reasonably practicable.
If you are not satisfied with our response, you may be able to contact the Office of the Australian Information Commissioner or another relevant dispute resolution body.
Cookies And Website Analytics
Our website may use cookies, analytics and similar technologies to support site functionality, improve performance, understand visitor activity and protect the website. You can usually adjust your browser settings to block or delete cookies, although some website features may not function correctly.
Changes To This Policy
We may update this Privacy Policy from time to time. The latest version will be published on this website.
Contact
Australian Asset & Lending Solutions
Email: john@asls.net.au
Phone: 0451 411 183