Privacy Policy
PM Finance, we take your privacy seriously. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information. It also explains our credit reporting practices when you apply for or receive credit through our services.
1. What Personal Information We Collect
- Identification details: name, date of birth, address, email, phone number.
- Contact preferences, including social media handles.
- Financial data: income, employment, credit history, tax file number.
- Technical data: IP address, browser type, cookies, and usage activity.
- Communication history: emails, calls, and other records of contact with our team.
2. How We Collect Your Information
We collect personal information directly from you where reasonable—such as via application forms, calls, or online interactions. We may also collect it from third parties like your employer, referrers, solicitors, or other service providers involved in your finance application.
3. Website & Social Activity
We collect data from website usage to improve security and customer experience. This may include geolocation and IP tracking.
If you begin but don't submit an online form, we may contact you to assist.
4. If You Choose Not to Provide Information
If you don't provide your information, we may be unable to offer services such as credit assistance, identity verification, or product recommendations.
5. Use of Personal Information
- Provide and manage financial services.
- Help you apply for credit or leasing products.
- Communicate about relevant products or updates.
- Prevent fraud and comply with legal obligations.
6. Marketing
We may contact you with offers or information we believe may interest you. You may opt out at any time by contacting us.
7. How We Store and Protect Your Information
We store your information securely in both electronic and physical formats, using appropriate safeguards such as restricted access and encryption. Information is destroyed or de-identified when no longer required, in line with legal obligations.
8. Who We Share Your Information With
- Lenders, aggregators, mortgage insurers, and credit reporting bodies.
- Service providers, brokers, legal and financial advisers.
- Regulatory authorities (e.g., ASIC, ATO) when required by law.
- Anyone you authorise us to communicate with.
9. Overseas Disclosure
We generally do not disclose personal information overseas. However, information may be stored in cloud services accessible globally.
10. Accessing and Correcting Your Information
You can request access to or correction of your personal data by contacting us. In some cases, legal exemptions may apply.We aim to process correction requests within 30 days. If we can't, we'll notify you and explain why.
11. Complaints and Dispute Resolution
To lodge a complaint about privacy or credit handling, contact us using the details below.
We aim to respond within five business days. If unresolved, you may escalate your complaint to the Office of the Australian Information Commissioner (OAIC).
12. Anonymous Interactions
You may choose to interact anonymously for general inquiries. For credit services, identification is typically required under Australian law.
13. Changes to This Policy
We may update this policy periodically. Any changes will be posted to our website.
14. Contact Us
For privacy enquiries, corrections, or complaints, please contact:
Email: hello@pmfinance.com.auÂ
Phone: 0420 358 339
Effective Date: December 1, 2025