About this page: This Privacy Policy explains how FinanceFlow collects, uses and protects your personal information, ensuring transparency and compliance with Australian privacy standards.
Privacy Policy of FinanceFlow (A company incorporated in, and trading in, Australia), in the conduct of its business and the website https://financeflow.com.au/
This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information in accordance with Australian laws, including the Privacy Act 1988 (Cth), the Telecommunications Act 1997 (Cth), the Do Not Call Register Act 2006 (Cth), and the Spam Act 2010 (Cth).
We value your privacy and are committed to protecting your personal information. This policy explains how we handle your information and adhere to the Australian Privacy Principles (APPs).
To meet our regulatory obligations including those under the Anti-Money Laundering and Counter Terrorism Financing Act, FinanceFlow needs to verify your identity.
To verify your identity electronically, FinanceFlow and its related partners may (with your consent): provide your name, and contact details to a verification service to conduct an assessment of how well that information matches the information they hold or can access about you.
They may contact the authority that issued the document, use a government or other verification service, or use third party systems, databases and services (which may involve sending your information from Australia to New Zealand or vice versa) to help them do this; and provide your name, address and date of birth to the Australian credit reporting bodies to obtain an assessment about how well that information matches the information they hold about you.
Please note: The process of electronic verification does not include a credit check, and will not affect your credit score. We will never ask you to provide banking information, including your banking password or security codes.
By selecting 'Agree' on our loans page, you agree to how we verify your identity online. If you do not wish to verify online, speak to us to verify another way.
We collect personal information that you provide to us directly, enter on our website, or share through other interactions. This includes, but is not limited to:
We do not request further personal or business information—such as business details, security address, financial position, income or existing debt—until after you complete your loan‑type questions and our team contacts you to discuss your initial responses. This staged approach ensures we only collect information that is reasonably necessary for assessing eligibility and determining appropriate lending pathways, in accordance with the Australian Privacy Principles.
No credit check is conducted at the enquiry stage.
We gather personal information through various methods, including:
Where applicable, we may also share your information with third‑party lending platforms to help match you with suitable financial products. These parties are bound by confidentiality and data protection obligations, and any sharing is conducted in accordance with this Privacy Policy.
After you complete your loan‑type questions, we may request additional information—such as business details, security address, financial information or existing debt—only where necessary to assess eligibility, determine suitable lending pathways, or progress your application. This information is typically collected during a follow‑up call with our team.
No credit check is performed without your express consent.
Your personal information may be used to:
We may contact you via phone, email, SMS, mail, social media, or other communication methods. Your personal information is essential for us to fulfil our services effectively.
Basic contact details collected at the enquiry stage are used solely to review your situation, contact you regarding potential eligibility, and determine whether additional information is required.
Further information—such as business details, security address, financial position or existing debt—is only used after you complete your loan‑type questions and we have discussed your initial responses with you.
All the above categories exclude text messaging originator opt‑in data and consent; this information will not be shared with any third parties except aggregators and service providers who facilitate the delivery of text messaging services.
You may unsubscribe from SMS and email communications at any time.
We may disclose your personal information to:
How we use your mobile phone number can be found under Section 12, Mobile Information Privacy.
In the event of a business sale, merger, or asset transfer, your personal information may be shared with potential buyers under confidentiality agreements.
We implement robust security measures to protect your information from misuse, loss, unauthorised access, or disclosure. While we strive to secure your data, no transmission method over the Internet is entirely secure, and we cannot guarantee absolute protection.
You may request access to the personal information we hold about you. To do so, contact us at [email protected]. A small administrative fee may apply.
If you believe your information is inaccurate or outdated, let us know, and we will correct it as required by the Privacy Act 1988 (Cth).
If you have concerns about our privacy practices, please email the Support Manager at [email protected].
We take complaints seriously and will address them promptly upon receiving written notice.
We reserve the right to amend this Privacy Policy at any time in accordance with our requirements and the law. Any amendments will be updated on our website. Please access our website regularly to ensure that you have our most recent Privacy Policy.
We may collect technical data, such as your browser type, IP address, and pages visited before accessing our site. This aggregated information helps us improve website performance.
We may interface with third-party platforms like Google and Facebook. Please review their privacy policies to understand how they handle your data.
We take your mobile privacy seriously. We do not share your mobile information with third parties or affiliates for marketing or promotional purposes.
Mobile data—including phone numbers and SMS opt-in details—is only used to deliver services you've requested or opted into. This may include:
Your mobile information may be shared with trusted service providers (such as SMS platforms or aggregators) strictly for operational purposes, and only where necessary to fulfill your request. These providers are bound by confidentiality and data protection obligations.
Text messaging originator opt-in data and consent will never be shared with third parties, except for those directly involved in delivering the messaging service.
You may unsubscribe from SMS and email communications at any time by following the instructions provided in each message or by contacting us directly.
Our website uses cookies to enhance user experience and analyze site traffic. Cookies are small files stored on your device that do not harm your system. You can disable cookies in your browser settings, but this may limit functionality.
Our website may contain links to third-party websites for your convenience. We are not responsible for their privacy practices. We encourage users to review privacy policies on all external sites.
Should you wish to discuss a breach of your privacy or any aspect of this Policy, please forward your request, complaint or query by email to the contact person set out below. We shall endeavour to respond as soon as possible.
Compliance Manager
[email protected]