Privacy Policy.

About this policy

This policy applies to Fund 360 Pty Ltd (ABN 41 660 241 421, Credit Representative 574086) and Hayden Gemmill (Credit Representative 569499), authorised credit representatives of Viking Asset Aggregation Pty Ltd (Australian Credit Licence 543046) ("we", "us", "our"). We're bound by the Privacy Act 1988 (Cth), including the Australian Privacy Principles and, where relevant, the credit reporting provisions in Part IIIA of that Act.

By using our website or services, or by giving us your personal information, you agree to it being handled as described in this policy.

What we collect

Depending on how we help you, we may collect:

• identity details, such as your name, date of birth, address and driver's licence or other ID;
• contact details, such as your phone number and email address;
• employment and income details, including payslips, tax returns and business financials;
• financial details, including your assets, liabilities, expenses and bank statements;
• credit related information, such as your credit history and existing credit;
• details of the vehicle, equipment or other asset you want to finance; and
• information about your business, if you're applying for business finance.

If you're a referral partner, we collect your name, business details and contact details, and the details of clients you refer to us with their consent.

We only collect sensitive information, such as health information, where it's reasonably necessary, for example to assess a hardship request, and only with your consent.

How we collect it

We collect personal information:

• directly from you, through our website forms, by phone, by email or in person;
• from people you've authorised, such as your accountant, a dealership or a referral partner;
• from lenders, credit reporting bodies and identity verification services; and
• from publicly available sources, such as the ABN register or PPSR.

You can choose not to give us certain information, but we may then be unable to help you find or apply for finance.

Why we collect it

We collect, hold and use your personal information to:

• understand your needs and suggest finance options that suit you;
• meet our responsible lending obligations, including assessing whether credit is not unsuitable;
• prepare and submit applications to lenders, and manage them through to settlement;
• verify your identity and meet our legal and regulatory obligations;
• respond to enquiries, referrals and complaints; and
• keep in touch with you about your finance and related services, where you've agreed.

Who we share it with

Where needed to help you, we may share your personal information with:

• lenders, lessors and other credit providers on our panel;
• our credit licensee and its compliance and audit providers;
• finance aggregators and software platforms we use to lodge applications;
• valuers, insurers, dealers and sellers involved in your purchase;
• your employer and salary packaging provider, for novated leases;
• the person who referred you to us, with your consent, to let them know how things are progressing;
• identity verification and fraud prevention services;
• our professional advisers and IT service providers; and
• government bodies and regulators, where required or authorised by law.

We don't sell your personal information.

Credit reporting

Lenders we submit your application to may obtain a credit report about you from a credit reporting body, such as Equifax, illion or Experian, and may share information about your credit with them. Each lender's privacy policy and credit reporting policy will explain how it handles your credit information.

Enquiring with us doesn't affect your credit file. We'll let you know before an application is submitted to a lender.

Overseas disclosure

Some of the service providers we use, such as cloud hosting, email and website form providers, may store information outside Australia, including in the United States. Where we use overseas providers, we take reasonable steps to make sure they handle your information in line with the Australian Privacy Principles.

Our website

When you submit a form on our website, such as the quote, contact or referral forms, we receive the details you enter. Our website host may also record standard technical information, such as your IP address and browser type, to keep the site secure and working properly.

We use advertising tools, such as the Meta Pixel, which use cookies and similar technology to measure how people find and use our website and to show our ads to people who may be interested in them. These tools collect information such as the pages you visit and whether you submit a form, and don't give us your name or contact details. You can control or block cookies in your browser settings, and manage your ad preferences in your Facebook and Instagram settings.

Marketing

We may contact you about finance options or services we think may interest you, such as when your loan is coming to an end. You can opt out at any time by using the unsubscribe link in an email or by contacting us.

Security and storage

We take reasonable steps to protect your personal information from misuse, interference, loss and unauthorised access, including secure systems, access controls and password protection.

We keep records for as long as we need them for the purposes above and to meet our legal obligations. Credit laws generally require us to keep records for at least seven years. After that, we securely destroy or de-identify the information.

Access and correction

You can ask for access to the personal information we hold about you, or ask us to correct it if it's inaccurate, out of date or incomplete. Contact us using the details below. We'll respond within a reasonable time, usually 30 days. There's no charge to make a request, though we may charge a reasonable fee for providing access in some cases. If we refuse a request, we'll tell you why.

Privacy complaints

If you think we've breached your privacy, please contact us first. We'll acknowledge your complaint and aim to resolve it within 30 days. See our Complaints page for how the process works.

If you're not satisfied with our response, you can contact:

Contact us

For privacy questions, access or correction requests, or complaints, contact us:

We may update this policy from time to time. The latest version will always be on this page.