Privacy Policy

Vaze Finance – Privacy Policy
Effective Date: March  2026

Who we are

In this policy, “we”, “us”, and “our” refer to Vaze Finance, its related businesses, and any associated entities identified in the Credit Guide provided to you.

Our commitment to your privacy

Your privacy matters to us. This policy explains how we collect, use, store, and protect your personal information. We are committed to ensuring that your personal information is handled in accordance with the Australian Privacy Principles, the Privacy Act, and any other relevant laws.
We only use your personal information for the purposes for which it was collected, or as permitted by law.

What is personal information?

Personal information includes any information or opinion that identifies you or could reasonably identify you. This may include credit information used to assess your eligibility for finance, such as:

• your existing loans

• repayment history

• defaults or credit events

We may collect details such as your name, date of birth, contact information, address, occupation, account details, and any other information required to identify you.

If you make an enquiry through our website, we may also collect details about the type and amount of finance you are interested in.

If you apply for finance, we may collect additional information such as your employment details, financial position, dependants, and proof of income and expenses.

If you apply for insurance products through us, we may collect your health information, but only with your consent.

Why we collect your information

We collect personal information to:
• assess and manage your finance application
• manage your ongoing finance relationship with us
• provide products, services, and customer support
• communicate with you or respond to your enquiries
• offer you additional products or services that may be of interest

We may also use your information for direct marketing purposes, unless you opt out.

How we collect your information

Where possible, we collect personal information directly from you.
We may also collect information from third parties including:

• aggregators (such as LMG)

• other finance brokers

• your accountant, lawyer, or other representatives

Disclosure of your personal information

We may disclose your personal information to:

• prospective lenders, funders, or intermediaries

• third‑party service providers (such as IT providers, printing, postal services, and call centres)

• associated businesses for marketing (with your consent)

• organisations that administer or manage your finance

• your representatives (brokers, lawyers, accountants)

• anyone you have authorised us to provide information to

• government bodies where required by law

• investors, advisers, or entities with an interest in our business

• your employer or referees for verification purposes

Before sharing your information, we take reasonable steps to ensure the receiving party has appropriate privacy safeguards or that you have provided consent.

Direct marketing

We may use your information to send you updates, product offers, or information relevant to your finance needs.

If you do not wish to receive marketing materials, you may opt out at any time by contacting us or using the unsubscribe function in emails.

Updating your personal information

We rely on you to keep your details up to date. If your information changes, please contact us to request an update.

Accessing your personal information

You may request access to the personal information we hold about you at any time. A fee may apply to cover retrieval and processing costs.

We typically respond within seven days. In some cases, we may refuse access—for example, where information relates to legal proceedings. If this occurs, we will explain why.

If you believe your information is inaccurate or incomplete, you can request a correction. We will respond within seven days and, where appropriate, correct the information within 30 days.

Use of government identifiers

Government identifiers such as your tax file number are only used or disclosed where required by law. We do not use these identifiers to identify you.

Doing business without identifying you

Where lawful and practicable, we may allow you to interact with us anonymously—such as when making general product enquiries.

Sensitive information
We only collect sensitive information (such as health, ethnicity, or criminal record details) with your consent.

How we protect your information

We take reasonable steps to safeguard your information from loss, misuse, unauthorised access, modification, or disclosure. Information may be stored in both electronic and paper formats.

Complaints

If you have concerns about how we handle your personal information, you can lodge a complaint through the contact link on our website.

• We will acknowledge your complaint within seven days

• A decision will be provided within 30 days

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or 1300 363 992.

More information
If you require further information about how we manage personal information, please contact us.

Changes to this policy
We regularly review our privacy policy to reflect changes in law, technology, and business operations. Updates may occur from time to time, and you may request this policy in an alternative format.