Privacy Policy
Last updated: July 2026
Easy As Loans (ABN 77 590 660 633), holder of Australian Credit Licence (ACL) 477976 ("we", "us", "our"), is committed to protecting your privacy. This Privacy Policy explains how we collect, hold, use and disclose your personal information and credit‑related information, in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs) and the Privacy (Credit Reporting) Code (CR Code).
1. The information we collect
Depending on the products and services you ask us to help with, we may collect:
• Identity and contact details — such as your name, date of birth, address, email and phone number.
• Financial information — such as your income, employment, assets, liabilities, expenses and the finance you are seeking.
• Credit information — such as information about credit you have applied for or hold, repayment history and information from credit reporting bodies.
• Other information — such as residency status, living situation, and any information you provide when you contact us or use this Website.
2. How we collect it
We usually collect information directly from you — through this Website, our enquiry form, over the phone, by email or in person. Sometimes we collect information from third parties, such as lenders, credit reporting bodies, your employer, your accountant, referrers or other service providers, where it is reasonable and practicable to do so.
3. Why we collect, hold, use and disclose it
We collect and use your information to:
• respond to your enquiry and assess your needs and objectives;
• prepare and submit finance applications to lenders on your behalf;
• provide our credit assistance and broking services;
• manage our relationship with you and provide ongoing service;
• comply with our legal and regulatory obligations; and
• (where you have not opted out) tell you about products or services that may interest you.
4. Who we disclose it to
With your consent, or where otherwise permitted by law, we may disclose your information to:
• lenders and credit providers, mortgage managers and insurers;
• aggregators and referrers we work with;
• credit reporting bodies (see below);
• our professional advisers and service providers (such as IT and administrative support); and
• government or regulatory bodies where required or authorised by law.
5. Credit reporting
In arranging finance, a lender may obtain a credit report about you from a credit reporting body. The credit reporting bodies we or our lenders may deal with include Equifax, illion and Experian. You can obtain a copy of their privacy policies, which describe how they manage credit‑related information and how you can access it, from their websites. We will always talk you through any credit check before it happens.
6. Direct marketing
We may occasionally send you information about products and services that may be useful to you. You can opt out at any time by contacting us using the details below, and we will stop sending you marketing communications.
7. Overseas disclosure
We generally store and process information in Australia. Some of our service providers may store data overseas or on cloud infrastructure located outside Australia. Where this occurs, we take reasonable steps to ensure your information is handled consistently with the APPs.
8. Website and cookies
When you use our Website, we may collect limited technical information (such as your device type and pages visited) to help us operate and improve the Website. You can set your browser to refuse cookies, though some features of the Website may not work as intended.
9. Keeping your information secure
We take reasonable steps to protect your information from misuse, interference and loss, and from unauthorised access, modification or disclosure. When we no longer need your information and are not required to keep it by law, we take reasonable steps to destroy or de‑identify it.
10. Accessing and correcting your information
You may request access to the personal and credit information we hold about you, and ask us to correct it if it is inaccurate, out of date or incomplete. Contact us using the details below and we will respond within a reasonable time. In some cases we may charge a reasonable fee for access.
11. Complaints
If you believe we have breached your privacy or the CR Code, please contact us first and we will investigate and respond, usually within 30 days. If you are not satisfied with our response, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or 1300 363 992, or to the Australian Financial Complaints Authority (AFCA) at www.afca.org.au or 1800 931 678.
12. Changes to this policy
We may update this Privacy Policy from time to time. The current version will always be available on this Website.
13. Contact us
Easy As Loans · ACL 477976 · ABN 77 590 660 633
Adelaide, South Australia
Email: [email protected] · Phone: 0402 083 863