Borrower Connect (“we”, “us”, “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, hold, use, and disclose personal information in connection with our lead generation services, including via our website www.borrowerconnect.com.au (the “Site”), web forms, and related digital channels.
By accessing our Site or providing us with personal information, you agree to the terms of this Privacy Policy.
1. The Information We Collect
We may collect personal information about you when you interact with our website, submit an enquiry, or otherwise engage with our services.
The types of personal information we may collect include:
- Contact details, such as your name, email address, phone number and residential or business address.
- Personal or business information provided in connection with an enquiry or lead form submission, which may include information relevant to the products or services you are seeking.
- Technical and usage information, such as your IP address, browser type, device information, referring URLs, pages viewed, and interaction data collected through cookies and analytics tools.
- Any other personal information you voluntarily provide to us through forms, emails, phone calls or other communications.
We collect personal information:
- Directly from you, when you provide it to us, for example, by completing a form, subscribing to updates, or contacting us.
- Automatically, through the use of cookies, analytics tools and similar technologies when you access or use our website.
We will only collect personal information that is reasonably necessary for, or directly related to, our business functions and activities. Where practicable, we collect personal information directly from you. If we collect personal information about you from a third party, we will take reasonable steps to notify you in accordance with the Australian Privacy Principles. We do not intentionally collect sensitive information (as defined under the Privacy Act 1988 (Cth)), unless required by law or with your explicit consent.
2. How We Use Your Information
We collect, hold, use and disclose your personal information for purposes related to our business activities, including:
- Providing, operating and improving our lead generation services.
- Assessing your enquiry and matching your details with relevant business partners whose products or services may be of interest to you.
- Disclosing your personal information to selected business partners so they may contact you directly regarding their products or services.
- Communicating with you, including responding to enquiries and providing service-related updates.
- Conducting data analysis, website analytics, service optimisation and marketing activities.
- Verifying your identity where required.
- Complying with our legal, regulatory and contractual obligations.
We will only use or disclose your personal information for the primary purpose for which it was collected, or for related purposes that you would reasonably expect, unless we obtain your consent or are otherwise required or authorised by law to do so.
We may disclose your personal information to:
- Our authorised business partners and service providers.
- Third-party service providers who assist us with IT support, data hosting, analytics, marketing, or administrative services.
- Government, regulatory or law enforcement agencies where required or authorised by law.
We do not sell your personal information to third parties for independent resale or unrelated marketing purposes.
Where we disclose personal information to third parties, we take reasonable steps to ensure they handle that information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
3. Disclosure to Third Parties
We may disclose your personal information to third parties where it is reasonably necessary for our business functions and activities, including:
- Approved business partners, brokers, referrers, or related entities for the purpose of responding to your enquiry or providing information about products or services you have expressed interest in.
- Service providers and contractors who assist us in operating our business, including IT service providers, data hosting providers, marketing and advertising platforms, analytics providers, and administrative support services.
- Government agencies, regulators, law enforcement bodies, or courts, where disclosure is required or authorised by law.
We will only disclose personal information for the primary purpose for which it was collected, for related purposes you would reasonably expect, with your consent, or where otherwise required or permitted under the Privacy Act 1988 (Cth).
Where we disclose personal information to third parties, we take reasonable steps to ensure they are bound by confidentiality and privacy obligations and handle your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
If we disclose personal information to recipients located overseas, we will take reasonable steps to ensure that the overseas recipient does not breach the Australian Privacy Principles in relation to that information, unless an exception under the Privacy Act applies.
4. Cookies and Tracking Technologies
We use cookies and similar tracking technologies, including pixels and analytics tools, to operate our website, improve functionality, analyse website traffic, and support our marketing activities.
Cookies are small data files stored on your device when you visit our website. They allow us to recognise your browser, remember your preferences, and understand how users interact with our website.
We may use both:
- Session cookies, which are temporary and expire when you close your browser.
- Persistent cookies, which remain on your device until they expire or are deleted.
Cookies and tracking technologies may be used to:
- Enable essential website functionality.
- Improve website performance and user experience.
- Collect statistical information about website usage.
- Support advertising, marketing, and remarketing activities.
Some cookies may be set by third-party service providers, such as analytics or advertising partners, to help us measure website usage or deliver relevant content. These third parties may collect and process information in accordance with their own privacy policies.
You may manage or disable cookies through your browser settings. Please note that disabling cookies may affect the availability or functionality of parts of our website.
Personal information collected through cookies and tracking technologies is handled in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). This includes how we collect, use, disclose, store, and protect personal information.
For more information about how we handle personal information, including how you may access or correct your information or make a privacy complaint, please refer to the remainder of this Privacy Policy.
5. Data Security
We take reasonable steps to protect personal information we hold from misuse, interference and loss, as well as from unauthorised access, modification or disclosure. These steps include implementing appropriate technical, physical and organisational safeguards designed to protect personal information based on its sensitivity.
Our security measures may include, where appropriate:
- Secure servers and data storage systems.
- Access controls and authentication procedures.
- Encryption, firewalls, and other technical security measures.
- Internal policies and procedures governing data access, handling and retention.
We take reasonable steps to ensure that personal information we no longer require for any purpose permitted under the Privacy Act 1988 (Cth) is destroyed or de-identified, unless we are required by law to retain it.
While we take reasonable precautions to protect personal information, you acknowledge that no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
6. Retention
We retain personal information only for as long as it is reasonably necessary to fulfil the purposes for which it was collected, as outlined in this Privacy Policy, or as otherwise required or authorised by law.
When personal information is no longer required for any permitted purpose, we take reasonable steps to destroy or de-identify the information, in accordance with our legal and regulatory obligations and consistent with the requirements of the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
7. Your Rights
Under the Privacy Act 1988 (Cth) and the Australian Privacy Principles, you may have the right to:
- Request access to the personal information we hold about you.
- Request correction of any personal information that is inaccurate, out of date, incomplete, irrelevant or misleading.
- Withdraw your consent to the collection, use or disclosure of your personal information, where consent is relied upon.
- Request that we restrict or cease certain uses or disclosures of your personal information, where permitted by law.
Requests to access or correct personal information will be handled in accordance with the Privacy Act 1988 (Cth). We may need to verify your identity before processing your request and may refuse access in limited circumstances permitted by law. Where access is refused, we will provide you with written reasons as required.
To exercise any of your rights, or to make a privacy-related enquiry or complaint, please contact us using the contact details set out below. We will respond to your request within a reasonable period.
8. Direct Marketing and Consent
We may use your personal information to send you marketing and promotional communications about products and services offered by us and our approved business partners relevant to your enquiry, where permitted by law.
By submitting your personal information through our website, online forms, or other digital channels, you acknowledge and agree that:
- You provide your consent (which may be express or inferred, depending on the circumstances) for us to contact you for marketing purposes via email, SMS, telephone and other electronic communications.
- You consent to the disclosure of your personal information to our approved business partners so they may contact you directly regarding products or services relevant to your enquiry.
- You acknowledge that marketing communications may be delivered using automated or assisted technologies, including automated calling or messaging systems, where permitted by law.
We comply with the Spam Act 2003 (Cth) and all applicable marketing and communications laws. This means that:
- We only send commercial electronic messages where we have obtained the required consent.
- We clearly identify ourselves, or the relevant sender, in each communication.
- All marketing emails and SMS messages include a functional and easy-to-use unsubscribe facility.
You may opt out or withdraw your consent to receive marketing communications at any time by using the unsubscribe mechanism included in the communication or by contacting us using the details provided in this Privacy Policy. We will process all opt-out requests promptly and in accordance with applicable laws.
9. International Transfers
We may disclose or store personal information with third-party service providers located outside Australia, including cloud hosting, data storage, analytics, marketing, and technology service providers.
Where we disclose personal information to overseas recipients, we take reasonable steps to ensure that the recipient does not breach the Australian Privacy Principles in relation to that information, unless an exception under the Privacy Act 1988 (Cth) applies.
This may include:
- Entering into contractual arrangements requiring overseas recipients to handle personal information in a manner consistent with the Australian Privacy Principles.
- Using reputable service providers with appropriate data protection and security controls in place.
In some circumstances, personal information may be stored or processed in multiple jurisdictions depending on the location of our service providers’ servers.
By providing your personal information to us, you acknowledge that your personal information may be disclosed to overseas recipients as described in this Privacy Policy.
10. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our business practices, legal or regulatory requirements, or the way we handle personal information.
Any updated version of this Privacy Policy will be published on our website and will include the date of the latest revision. The updated policy will take effect from the date it is published.
We encourage you to review this Privacy Policy periodically to stay informed about how we manage and protect your personal information.
Where changes are material, we may take reasonable steps to notify you directly, for example, by email or website notice, where appropriate.
11. Contact Us
If you have any questions about this Privacy Policy, wish to access or correct the personal information we hold about you, or have a privacy-related enquiry or complaint, please contact us using the details below:
Email: [email protected]
When contacting us, please provide sufficient details so we can properly identify you and respond to your request.
We will acknowledge and respond to privacy enquiries and complaints within a reasonable period. If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC). Further information about the OAIC is available at www.oaic.gov.au .