Privacy Policy

Privacy Policy for Fast Lending Group

MM FINANCIAL GROUP PTY LTD/ FAST LENDING GROUP/ ACN
664 836 328 is committed to providing quality services to you and this policy outlines our ongoing obligations to you in respect of how we manage your Personal Information.

We have adopted the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) (the Privacy Act). The APPs govern the way in which we collect, use, disclose, store, secure and dispose of your Personal Information.

A copy of the Australian Privacy Principles may be obtained from the website of The Office of the Australian Information Commissioner at https://www.oaic.gov.au/.

What is Personal Information and why do we collect it?

Personal Information is information or an opinion that identifies an individual. Examples of Personal Information we collect include names, addresses, email addresses, phone and facsimile numbers.

This Personal Information is obtained in many ways including interviews, correspondence, by telephone and facsimile, by email, via our website (https://fastlending.com.au/), from media and publications, from other publicly available sources, from cookies and from third parties. We don’t guarantee website links or policy of authorized third parties.

We collect your Personal Information for the primary purpose of providing our services to you, providing information to our clients and marketing. We may also use your Personal Information for secondary purposes closely related to the primary purpose, in circumstances where you would reasonably expect such use or disclosure. You may unsubscribe from our mailing/marketing lists at any time by contacting us in writing.

When we collect Personal Information, we will, where appropriate and where possible, explain to you why we are collecting the information and how we plan to use it.

We typically collect the following types of personal information about you:

We typically collect the following types of personal information about you:

  • Personal Identifiers: This includes your name, mailing or street address, email address, telephone number, and facsimile number.
  • Date of Birth: Your age or birth date.
  • Government-issued IDs: This may include your Medicare number, drivers’ licence number, tax file number, and passport number. We may also gather additional details which appear on your Medicare card, driver’s license, and passport as part of our identity verification systems and processes.
  • Professional Information: Your profession, occupation, or job title, together with other relevant employment details such as your salary.
  • Financial information: Information about your source(s) of income, expenditure details, and information about your assets and liabilities.
  • Transactional Information: Details of the products and services you have acquired from us or which you have enquired about, together with any additional information necessary to deliver those services and to respond to your enquiries.
  • Digital Interaction Information: Any additional information relating to you that you provide to us through our website, applications or other online means. This includes personal information which may be collected via cookies and other online technologies and methods used as discussed in section 9 of this Policy, such as information about the devices on which you visit us or other third-party networks, and your activities on those devices or sites.
  • Social Media Information: Third-party account details (for example where you sign in through a social network), your public social profile information (e.g., name, profile picture), together with the email address you use to log into your social media account.
  • In-person Information: Any other information that you provide to us in person, including at our offices or during visits by our representatives.
  • Employment Application Information: Personal information you may provide to us if you are applying for employment with us that is relevant to such employment (such as your qualifications and work history).
  • Survey Information: Personal information you may provide to us if you participate in any surveys, we, or a third-party service provider acting on our behalf, may conduct from time to time including personal information relating to your survey responses.

Sensitive Information

Certain types of personal information we collect or hold about you, of this Policy, such as health records depicted on your driver’s license, your tax file number, or your passport number, may fall under the category of ‘sensitive information’ as per the Privacy Act. We only collect or hold this type of sensitive information when it is reasonably necessary for carrying out one or more of our functions or activities. By providing us with this sensitive information, you are expressly consenting to its use for the relevant functions or activities.

In some instances, you may provide us with sensitive information while applying for a position with us (for instance, you might disclose your voluntary work in a religious group). We only collect, use, and disclose sensitive information about you during the employment application process after obtaining your specific consent beforehand.

Personal Information Provided About Another Individual

On occasion, we may ask you to provide us with personal information about another individual, such as:

  • Personal and financial information about a co-applicant for any finance you are seeking.
  • The name and contact details of your accountant.
  • In cases where we request a personal or trade reference from you, the name and contact details of your referee and their relationship to you.

If you do provide us with personal information about another person, it’s important that you inform that individual about this policy and let them know that their information has been shared with us.

Sensitive information will be used by us only:

  • For the primary purpose for which it was obtained
  • For a secondary purpose that is directly related to the primary purpose
  • With your consent, or where required or authorised by law.

Third Parties
Where reasonable and practicable to do so, we will collect your Personal Information only from you. However, in some circumstances, we may be provided with information by third parties. In such a case we will take reasonable steps to ensure that you are made aware of the information provided to us by the third party.

Collecting Personal Information from Third Parties and Group Companies

We might also gather personal information about you from third parties and group companies, including:

  • Service Providers: Entities that provide services to us, such as identity verification service providers.
  • Referrals: Any third party who refers you to us.
  • Financial Associates: Your accountant, any referees you provide, or we request, and any joint applicants for finance.
  • Employment References: Your nominated referees and previous employer if you are applying for a role with us.
  • Other Third-Party Companies: This includes credit reporting bodies, providers of title search services, law enforcement agencies, and other government entities.

Disclosure of Personal Information

Your Personal Information may be disclosed in several circumstances including the following:

  • Third parties where you consent to the use or disclosure.
  • Where required or authorised by law.

Security of Personal Information

Your Personal Information is stored in a manner that reasonably protects it from misuse, loss and from unauthorized access, modification, or disclosure.

When your Personal Information is no longer needed for the purpose for which it was obtained, we will take reasonable steps to destroy or permanently de-identify your Personal Information. However, most of the Personal Information is or will be stored in client files which will be kept by us for a minimum of 7 years.

Direct Marketing

Purpose of Our Direct Marketing

We may use or disclose your personal information for the purpose of direct marketing, including:

  • Sharing your information within Fast Lending Group and selected companies, allowing our other divisions to contact you or offer you complementary or other products and services, including providing more relevant advertising content.
  • Utilizing your information for administrative, marketing, planning, product or service development, quality control, and research purposes by us, our related bodies corporate, contractors, or service providers.
  • Improving the performance of our marketing and advertising campaigns (including those conducted on behalf of our financiers or other business partners), and assessing the performance of our website.

Our direct marketing actions are in accordance with applicable laws, such as the Spam Act 2003 (Cth), and APP 7 relating to direct marketing.

Typically, we may send you direct marketing communications about our products and services (or those of our financiers) that we believe may interest you. These communications may be sent in various forms, including mail, SMS, fax and email, or in the form of targeted content and offerings.

By engaging with Fast Lending Group, you expressly acknowledge and agree that we may also share or disclose your personal information to other third-party entities so they may directly market to you.

Opting Out of Direct Marketing Communications

If you have a preferred method of communication, we will Endeavor to use that method when practical. If we commence sending any direct marketing to you, you may amend or opt-out of receiving marketing communications from us by:

  • Using the unsubscribe process available in email communications or emailing hello@fastlending.com.au.
  • Changing your communication preferences within the preference centre accessible via email communications.
  • Calling our customer service number at 1300 521 119.

Direct Online Interaction

Application of this policy to our website and online applications

This policy also extends to any websites that we operate, including our website at Fastlending.com.au. This policy covers any personal and credit-related information you provide to us using our website.

How does Fast Lending Group record my activity and use it?

When you visit our website, use our applications, or respond to a survey, promotion, or competition, we typically record anonymous information such as IP address, time, date, referring URL, and other referral information, device information and location, carrier, site interactions such as your access to website features, pages accessed, content, searching activities, lead submission, and files accessed and downloaded, type of browser and operating system, and other clickstream information.

The information collected by us may be linked to other information we hold about a user, creating a comprehensive profile about the users’ browsing, purchasing and other activities. This data may be used by us and shared with third parties to categorise a user and provide personalised offers, marketing and advertising. Activity data may be shared with advertisers for these purposes where the user is already a customer of the advertiser.

Fast Lending Group may use third-party advertising applications and companies to collect data and/or serve ads when you visit our website or applications. These companies may use information about your visits to websites and other media to provide advertisements about goods and services of interest to you.

Cookies and other online behavioural technologies and methods

We use “cookies” and other online behavioural technologies and methods to collect and store the information outlined above. A cookie is a small file that stays on your computer or other device until it expires, or you turn your device off.

Cookies may be used by us or by service providers engaged by us to provide you with the full range of services we offer, remember your preferences, remember the sites you visit, measure and analyse usage of our websites and for security. This information does not constitute personal information, and we may use this information for any lawful purpose. We use both session ID cookies and persistent cookies, first-party cookies and third-party cookies. Persistent cookies may be used to identify the sites you visit on third-party sites and to personalise the advertising that you see when you make future visits to those sites or other sites or platforms. Cookie data and other data may be sold, licensed or otherwise provided to third parties for this purpose.

If you do not wish to receive any cookies, you may adjust your browser to either prompt or refuse cookies. Please note that if you disable cookies, we may not be able to provide you with our full range of products and services, and not all the functions on our website will be available to you.

Access to your Personal Information

You may access the Personal Information we hold about you and to update and/or correct it, subject to certain exceptions. If you wish to access your Personal Information, please contact us in writing at hello@fastlending.com.au.

Fast Lending Group will not charge any fee for your access request but may charge an administrative fee for providing a copy of your Personal Information.

To protect your Personal Information, we may require identification from you before releasing the requested information.

Maintaining the Quality of your Personal Information

It is important to us that your Personal Information is up to date. We will take reasonable steps to make sure that your Personal Information is accurate, complete, and up to date. If you find that the information we have is not up to date or is inaccurate, please advise us as soon as practicable so we can update our records and ensure we can continue to provide quality services to you.

Security

As Fast Lending Group’s websites and applications are connected to the internet, which is inherently vulnerable, we take every possible precaution to safeguard your information. We utilize Secure Socket Layer (SSL) technology to encrypt information transmission to us when feasible. However, we cannot assure total security during information transmission over the internet. Consequently, any personal information you transmit to us online is at your own risk.

External Links

Fast Lending Group’s website may feature links to websites operated by third parties. These third-party websites have their own privacy protocols and we cannot ensure the security of any personal information they may gather. We are not accountable for the privacy policies or the content of these linked sites.

Policy Updates

This Policy may change from time to time and is available on our website at https://fastlending.com.au/.

Privacy Policy Complaints and Enquiries

If you have any queries or complaints about our Privacy Policy, please contact us at:

Email: hello@fastlending.com.au
Phone: 1300 521 119