1. Introduction

Autofocus Finance & Lending (ABN 48 382 012 219) ("we", "us", "our") respects your privacy and is committed to protecting your personal information. We are bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This policy outlines how we collect, use, hold, and disclose your personal and credit information when you use our website, interact with our chat widgets, or apply for asset finance through us.

2. What Information We Collect

To provide you with credit assistance and broker services, we must collect personal and financial information. This may include:

- Identification details: Name, date of birth, address, and contact numbers.

- Government-issued identifiers: Driver's licence, Medicare details, or passport numbers (required for Anti-Money Laundering compliance).

- Financial information: Income, expenses, assets, liabilities, bank statements, employment details, and tax returns.

- Credit information: Credit history, repayment history, and credit scores (obtained via credit reporting bodies with your consent).

- Digital data: IP address, browser type, and interaction data via our website and integrated chatbots.

3. How We Collect Your Information

We collect information directly from you when you:

- Fill out forms or calculators on our website.

- Interact with our automated chat widgets (e.g., Fastbots.ai).

- Provide documents via email, SMS, or our secure client portal.

- Speak with us over the phone or in person.

With your consent, we may also collect information from third parties, such as credit reporting bodies, your employer, your accountant, or government agencies.

4. Why We Collect Your Information

We collect, hold, use, and disclose your information strictly to:

- Assess your financial situation and eligibility for asset finance.

- Source and negotiate suitable loan products from our panel of lenders.

- Prepare and lodge finance applications on your behalf via our aggregator CRM (Ambition Cloud).

- Verify your identity in accordance with the Anti-Money Laundering and Counter-Terrorism Financing Act 2006.

- Comply with the National Consumer Credit Protection Act 2009.

- Communicate with you throughout the loan process via automated systems (e.g., Zapier, SMS).

5. Who We Share Your Information With

To secure your finance, we must share your data with trusted third parties. These include:

- Our Aggregator & Licensee: Fintelligence Pty Ltd (ACL 511803) and Market City Finance (our head broker group) for compliance and lodgement purposes.

- Lenders: Financiers and credit providers on our approved panel to whom you are applying for a loan.

- Credit Reporting Bodies: To conduct credit checks (e.g., Equifax, Illion, Experian).

- Service Providers: IT systems, CRM providers (Ambition Cloud), automation tools (Zapier), and secure cloud storage platforms used to run our business.

- Regulatory Bodies: ASIC, AUSTRAC, or AFCA if required by law.

6. How We Store and Secure Your Data

We take the security of your data seriously. Your personal information is held securely in encrypted, cloud-based CRM systems and strictly controlled Google Workspace environments. We do not store physical copies of identity documents. Once your application is lodged, identity documents are moved to secure digital vaults and local copies are permanently deleted to prevent unauthorized access.

7. Accessing and Correcting Your Information

You have the right to request access to the personal information we hold about you and ask us to correct it if it is inaccurate, outdated, or incomplete. To request access or a correction, please contact us using the details below.

8. Privacy Complaints

If you believe we have breached the Australian Privacy Principles, please contact us immediately. We will investigate your complaint and respond within 30 days.

If you are not satisfied with our response, you may escalate your complaint to the Australian Financial Complaints Authority (AFCA), of which we are a member (Member Number: 124097):

- Website: www.afca.org.au

- Email: info@afca.org.au

- Phone: 1800 931 678

Last Updated: 25/09/2026