Money3 - Privacy Policy

1. PRIVACY POLICY

'We', 'us' and 'our' refer to Money3 Loans Pty Ltd (trading as "Money3 Loans"), ACN 108979406, Australian Credit Licence 000389067 and its related entities and businesses.

This Privacy Policy sets out how we collect, hold, use and disclose your personal information and credit information. It applies to all personal information collected by us, whether collected directly from you or from third parties.

We are bound by the Privacy Act 1988 (Cth) (the Act), the Australian Privacy Principles set out in Schedule 1 of the Act, the Privacy (Credit Reporting) Code 2024, the National Consumer Credit Protection Act 2009 (Cth), and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth). This policy has been prepared in accordance with those obligations.

This Privacy Policy explains how we collect, use and disclose personal information. By providing personal information to us, you acknowledge that we will handle it in accordance with this Privacy Policy and any applicable laws. We may update this policy from time to time, and the current version will be available on our website at www.money3.com.au

2. OUR COMMITMENT TO PROTECT YOUR PRIVACY

We are committed to protecting the privacy and confidentiality of the personal information we collect and hold about you. We recognise that you have a right to control how your personal information is collected, used, disclosed and otherwise managed.

We will only use or disclose your personal information for the purposes for which it was collected, for related purposes where you would reasonably expect us to do so, or as otherwise permitted or required by law.

We are bound by, and committed to complying with, the Australian Privacy Principles as set out in Schedule 1 of the Act, the Privacy (Credit Reporting) Code 2024, and all other applicable legislation governing the handling of personal and credit information.

3. PERSONAL INFORMATION

For the purposes of this policy, "personal information" means information or an opinion about an identified individual, or an individual who is reasonably identifiable, whether the information or opinion is true or not and whether recorded in a material form or not. Personal information may include credit information.

"Credit information" means information used to assess your eligibility for finance. Credit information generally includes the type and amount of credit sought or provided, repayment history, default information (including overdue payments), and court information. Credit information is usually exchanged between credit and finance providers and credit reporting bodies.

The kinds of personal information we collect may include:

• name, date of birth, and address;
• account details and occupation;
• other identifying information; and
• for finance applicants: ages and number of dependants and cohabitants, length of time at current address, employment details, and proof of earnings and expenses.

Where we require personal information about a third party (such as a spouse, joint account holder, or dependant), by providing that information you confirm that you have obtained the necessary consents from that third party and have informed them of the purpose for which their information is being disclosed, the existence of this Privacy Policy, and how they may obtain a copy of it.

4. WHY WE COLLECT YOUR PERSONAL INFORMATION

We collect personal information for the purposes of assessing finance applications, managing finance, direct marketing, managing our relationship with you, offering other products and services, improving our level of service, developing expertise and know-how, and training and quality assurance. These purposes include:

• providing quality products or services;
• assessing an application for finance and any guarantee and related insurance proposal;
• arranging finance and any related insurance;
• maintaining contact details and ongoing management of finance, guarantees and ancillary services;
• conducting audits, credit analysis, research, risk management and portfolio analysis;
• complying with applicable laws both in Australia and overseas, including (without limitation) the National Consumer Credit Protection Act 2009 (Cth) and the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth);
• direct marketing of products and services;
• managing our relationship with you;
• improving our level of service including responding to inquiries and complaints;
• developing our expertise and know-how; and
• training and quality assurance.

We may disclose your personal information to organisations that provide products or services used or marketed by us, and to any organisation that may have, or is considering having, an interest in your finance or our business.

We also collect and hold personal information about finance brokers, loan originators and other business partners and affiliates to manage and improve our relationships and services with those parties.

5. HOW DO WE COLLECT YOUR PERSONAL INFORMATION?

Where it is reasonable and practicable to do so, we will collect personal information directly from you. This may occur through telephone conversations, emails, online or paper-based application forms, and other correspondence. We may also collect personal information from third parties and via cookies when you access our website through advertisements on third-party websites.

Sources from which we may collect personal information include:

• Businesses providing creditworthiness information (credit reporting bodies).
• Credit providers named in your applications or credit reports, including information about creditworthiness, credit standing, credit history, credit capacity, status of finance and any default.
• Sources disclosed in your application, such as referees, past and present employers, landlords, next of kin, and persons acting on your behalf (including car or finance brokers).
• Funders, trustees and related service providers assisting in processing applications and management of credit.
• Guarantors or proposed guarantors.
• Referrers, suppliers of goods, mercantile agents, collection agencies and insurance product providers.
• Our agents, contractors and external advisers.
• Government authorities in connection with lawful information requests or to meet legal obligations.
• Our associates, related entities or contractors, including but not limited to:
  1. Go Car Finance Limited (a Related Body Corporate based in New Zealand);
  2. Automotive Financial Services Pty Limited;
  3. Bennji Pty Ltd; and
  4. Solvar Limited
• Publicly available resources, such as personal insolvency information in the National Personal Insolvency Index.
• Issuers of identification documents via third-party verification systems.

6. SENSITIVE INFORMATION, COOKIES AND ONLINE APPLICATIONS

6.1 Sensitive Information

We will only collect sensitive information with your consent. Sensitive information is personal information that includes information relating to racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.

We may collect and hold health information where we are assisting you to procure products with an insurance component. We do not use or share that information for any purpose other than the underwriting or administration of your policy, claim or account, or as otherwise disclosed to you when the information was collected.

6.2 Information from Third Parties

Our website may contain links to third-party websites. Where you access a third-party website through our website and that third party collects information, we may collect or have access to that information as part of our arrangements with the third party. Cookie information, preferences or other information may be shared between us and the third party.

6.3 Cookies

A cookie is a small data file placed on your computer by a website server. We use cookies for the following purposes:

• allocating a unique number to your browser;
• customising our website for you;
• statistical analysis;
• identifying whether you have accessed a third-party website; and
• security purposes.

6.4 IP Addresses

Your IP address is the identifier for your computer when using the internet. It may be necessary to collect your IP address for your interaction with various parts of our website.

6.5 Online Applications

When you send a completed online application, we retain the information to provide financial services. You may suspend and save online applications to complete at a later time. If an application is suspended or saved, the information is retained in our systems so you may recover it. Online applications that have been suspended or saved may be viewed by us.

7. SECURITY OF INFORMATION

The security of your personal information is of the highest importance to us. We regularly review developments in security and encryption technologies to maintain appropriate safeguards.

While we take all reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification or disclosure, no data transmission over the internet can be guaranteed as totally secure. We cannot warrant the security of any information you transmit to us or receive from us.

Where we hold personal information, we store it in secure environments protected by a combination of physical and technological measures. We take reasonable steps to preserve the security of cookie information and personal information in accordance with this policy. Your browser will generally advise you whether the information you are sending us is secure or not.

Where we no longer require your personal information for any purpose permitted under the Privacy Act 1988 (Cth) and we are not legally required to retain it, we will take reasonable steps to destroy or de-identify that information.

8. DISCLOSURE OF PERSONAL INFORMATION

We may disclose your personal information to the following recipients:

• Finance brokers, mortgage managers and others who assist in providing products or services to you.
• Anyone who represents you, including financial consultants, accountants, lawyers and advisers.
• Credit reporting bodies in Australia and New Zealand, including Equifax, illion and Experian, to collect overdue payments or otherwise provide information to an external agency for collecting overdue payments.

• Third parties, including but not limited to our related bodies such as:
  1. Go Car Finance Limited (a Related Body Corporate based in New Zealand);
  2. Automotive Financial Services Pty Limited;
  3. Bennji Pty Ltd; and
  4. Solvar Limited.

By agreeing to apply for a loan, you are deemed to have consented to providing your details to such third parties.

• Prospective funders or other intermediaries in relation to your finance requirements, including information about your account, creditworthiness, credit standing, credit history and credit capacity. We may provide an opinion about you.
• Other organisations involved in managing or administering your finance, including third-party suppliers, printing and postal services, call centres, lenders mortgage insurers, trade insurers and credit reporting bodies.
• Associated businesses that may wish to market products to you.
• Any associates, related entities or contractors, including but not limited to Automotive Financial Services Pty Ltd, Go Car Finance Limited, Bennji Pty Ltd and Solvar Limited.
• Companies providing information and infrastructure systems to us.
• Any person where you have provided consent, including in connection with securitisation or other proposed transfer or dealing of credit.
• Any person who proposes to guarantee, or has guaranteed, repayment of your finance.
• Any industry body, tribunal, court or otherwise in connection with complaints regarding approval or management of a loan.
• Government authorities where required by law, including under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth).
• Investors, agents or advisers, or any entity with an interest in our business.
• Organisations providing products or services used or marketed by us.
• Organisations providing online verification of identity, employment or income, including Equifax Verification Exchange (refer to https://www.equifax.com.au/ve-collection-statement).
• Your employer, referees, listed contacts or identity verification services to verify information you have provided.

Prior to disclosing personal information, we will take all reasonable steps to satisfy ourselves that:

1. the recipient has a commitment to protecting personal information at least equal to our commitment; or
2. you have consented to us making the disclosure.

9. CREDIT REPORTING BODY NOTIFICATIONS AND CREDIT INFORMATION

When you apply for credit, we may collect personal information that is likely to be disclosed to a credit reporting body (CRB). In compliance with the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2024, we notify you of the following:

1. If we make an information request to a CRB:
   1. your consent is not required for such a request;
   2. a record of the request may be used by the CRB or other credit providers to assess your creditworthiness, including to calculate a credit score; and
   3. such a request may affect your credit score, as determined by the CRB.
2. The CRB may include information we provide in reports made available to other credit providers to assist in their assessments.
3. You may obtain copies of:
   1. our policy on the management of credit-related personal information by contacting us at the details in Section 15; and
   2. the relevant CRB's policy, available directly from the CRB at the contact details below.

Credit Reporting Body	Website	Phone	Postal Address
Equifax Pty Ltd	www.equifax.com.au	13 83 32	PO Box 964, North Sydney, NSW 2059
illion Pty Ltd	www.illion.com.au	13 23 33	PO Box 7405 St Kilda Road, Melbourne, VIC 3004
Experian Pty Ltd	www.experian.com.au	03 8622 1600	Level 26, 2 Southbank Blvd, Southbank, VIC 3006

We may collect the following kinds of credit information and exchange it with CRBs and other entities, including (without limitation):

• Go Car Finance Limited (a Related Body Corporate based in New Zealand);
• Automotive Financial Services Pty Limited;
• Bennji Pty Ltd; and
• Solvar Limited,

for the purpose of assessing credit applications:

• Credit liability information (name of credit provider, whether the provider holds an Australian Credit Licence, type of finance, date entered into, terms and conditions, maximum amount available, date terminated).
• Repayment history information.
• Bank statements.
• Information about the type of finance applied for.
• Default and payment information.
• Court proceedings information.
• Serious credit infringement information and publicly available information obtained in connection with a CRB request.

We may hold personal information, including credit information, in physical and electronic form, including cloud-based storage. Cloud storage and IT servers may be located outside Australia. We will take reasonable steps to protect such information from misuse, interference, loss, unauthorised access, modification or disclosure. Access to and use of personal and credit information within our organisation is appropriately limited on a need-to-know basis.

10. CROSS-BORDER DISCLOSURE AND NOTIFIABLE MATTERS

We may disclose personal information, including credit information, to overseas entities located in New Zealand and the Philippines that provide support functions on our behalf. We may also disclose personal information to overseas recipients for analytical and business purposes. Please contact us using the details in Section 15 for further information about cross-border disclosures.

If you are a credit applicant and have been a resident in New Zealand, we are likely to disclose identification information to an overseas recipient in New Zealand to obtain credit information from New Zealand sources.

The law requires us to advise you of certain notifiable matters regarding the use of credit information. You may request these notifiable matters (and this privacy policy) in an alternative form. The following notifiable matters apply:

• We exchange credit information with credit reporting bodies to assess your creditworthiness, assess your application for finance and manage your finance.
• If you fail to meet your payment obligations in relation to finance we have provided, or if you commit a serious credit infringement, we may disclose this information to a credit reporting body.
• You have the right to request access to your credit information held by us and to request correction of that information. Please refer to Section 12 (Access, Correction and Credit-Related Complaints) for further details.
• Credit information held by credit reporting bodies may be used for pre-screening of direct marketing offers of credit. You may contact the relevant credit reporting body to request that your credit information not be used for this purpose.
• If you believe you have been, or are likely to be, a victim of fraud, you may contact the relevant credit reporting body. For a period of 21 days after such notification, the credit reporting body must not use or disclose that credit information.

11. DIRECT MARKETING

From time to time, we may use your personal information to provide you with current information about finance, offers, changes to our organisation, and new products or services offered by us or our associated companies that we believe may be of interest to you.

If you do not wish to receive direct marketing communications, you may opt out at any time by telephoning 1300014870 or writing to 1/40 Graduate Road Bundoora Vic 3083.

Where a marketing communication is sent by email or text message, you may use the unsubscribe function included in that communication. There is no charge for giving effect to your request.

By using the unsubscribe function, you will only unsubscribe from marketing communications sent by the specific entity or brand that sent the communication, and only in respect of that method of delivery. If you would like to unsubscribe from all marketing communications from Money3 Loans Pty Ltd and its related entities across all delivery methods, please contact us using the details set out in this policy. There is no charge for this request, and we will take all reasonable steps to give effect to it at the earliest opportunity.

12. ACCESS, CORRECTION AND CREDIT-RELATED COMPLAINTS

You may request access to your personal information and credit information held by us at any time. We may charge a reasonable fee to cover the costs of retrieving and supplying the information.

We will endeavour to respond to your access request within seven (7) days, noting that we may need to contact other entities to respond to your request. In limited situations, we may not be able to comply with your request (for example, where existing or anticipated legal proceedings apply, or where the request is vexatious). If access is denied, we will provide you with a written explanation of the reasons.

If you believe that personal information or credit information we hold about you is incorrect, inaccurate or out of date, you may request that we correct it. Where appropriate, we will correct the information at the time of your request; otherwise, we will provide an initial response within seven (7) days. Where reasonable and after investigation, we will provide details about whether the information has been corrected within thirty (30) days. We may need to consult with other finance providers, credit reporting bodies or other entities as part of our investigation. If we refuse to correct the information, we will provide you with written reasons for the refusal.

For credit-related complaints, we will endeavour to provide you with a written notice setting out how we propose to deal with the complaint within seven (7) days of receiving it. We may consult with credit reporting bodies or other credit providers about the complaint where we consider it necessary and relevant to do so. After we have reasonably investigated your complaint, which we endeavour to complete no later than thirty (30) days from the date of your complaint, we will provide you with a further notice setting out our findings and the decision reached.

13. GOVERNMENT IDENTIFIERS AND ANONYMITY

Where we collect government-related identifiers, such as a Medicare number, tax file number, driver's licence number or Australian passport number, we will not use or disclose those identifiers other than as required or authorised by law, or where reasonably necessary to verify your identity for the purpose of providing our products and services.

In most circumstances it will be necessary for us to identify you in order to conduct business with you. Where it is lawful and practicable to do so, however, we will offer you the opportunity of doing business with us without providing personal information. For example, you may make general inquiries about interest rates or current promotional offers without identifying yourself.

14. COMPLAINTS AND EXTERNAL DISPUTE RESOLUTION

If you are dissatisfied with how we have handled your personal information, or if you believe we have breached the Australian Privacy Principles or the Act, you may contact our complaints team:

• Phone: 03 9093 8211
• Online: www.money3.com.au/contact-us/customer-complaints
• Email: resolutions@money3.com.au

We will acknowledge your complaint within one business day of receipt and will endeavour to provide a decision within 30 days.

If your privacy complaint remains unresolved, you may lodge a complaint with the Office of the Australian Information Commissioner:

• Phone: 1300 363 992
• Web: www.oaic.gov.au
• Email: enquiries@oaic.gov.au
• Post: GPO Box 5218, Sydney NSW 2001

For all other complaints that remain unresolved, you may refer the matter to our external dispute resolution provider, the Australian Financial Complaints Authority (AFCA):

• Phone: 1800 931 678
• Web: www.afca.org.au
• Email: info@afca.org.au
• Post: Australian Financial Complaints Authority Limited, GPO Box 3, Melbourne VIC 3001

15. FURTHER INFORMATION, CHANGES AND DISCLAIMER

If you have any questions or concerns about this policy or the way in which we handle your personal information, please contact us:

Contact Method	Details
Email	customercare@money3.com.au
Telephone	1300 329 131
Post	Attn: Privacy Officer, 1/40 Graduate Road Vic 3083

We may change this privacy policy from time to time. Any amendments will be effective at the time they are published on our website at www.money3.com.au We encourage you to review this policy periodically. This privacy policy was last updated in October 2026.

The information contained on our website is for general information purposes only. It is provided by Money3 Loans Pty Ltd, and whilst we endeavour to keep the information up-to-date and correct, Money3 Loans Pty Ltd gives no warranty and accepts no responsibility for the accuracy or completeness of any information on the website. Any reliance you place on such information is strictly at your own risk. Money3 Loans Pty Ltd reserves the right to make changes to the website and to this policy as it deems appropriate.

 

 

 

 

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