Privacy Policy

This Privacy Policy explains how loangorilla.com.au ("loangorilla.com.au", "we", "us", "our") collects, uses, discloses and protects your personal information when you use our website, tools and services in Australia.

We operate as a finance comparison and broker service. We are not a bank or credit provider; instead, we compare car loan products and, where you ask us to, introduce you to credit providers and/or credit assistance providers that hold an Australian Credit Licence (ACL).

This policy applies to all of the services offered by loangorilla.com.au as an Authorised Credit Representative of Access Lending Group Pty Ltd (ABN 70 648 921 957) ACL #531308, 25 King Street Bowen Hills Brisbane, QLD 4006 and the platforms through which we interact with you, including our website, your Customer Account, our social media accounts and our call centre. We may modify this Policy at any time, and if we do, we'll publish it on this website; see "Changes to this Policy" below.

We are committed to protecting your privacy and complying with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs) and, where we handle credit‑related information, the Privacy (Credit Reporting) Code.

By using our website or services, you agree to this Privacy Policy.

The information we collect and hold depends on how you interact with us. It may include (but is not limited to):

• Personal details like name, date of birth, gender (if you choose to provide it), and marital status.
• Contact details like residential and postal addresses, previous addresses, email addresses and phone numbers
• Government-issued identifiers like driver's licence, passport details, Medicare number or other identity documents where required
• Employment details like status, occupation, employer name and duration
• Financial details — Where you proceed beyond general comparison into an application or request credit assistance: income and expenditure, assets and liabilities, number and ages of dependants, existing loans and credit limits, insurance history, proof of identification information, bank account details (if you choose to provide them, or via secure bank‑statement or open‑banking services), details regarding your financial circumstances and future requirements, details about your property values, details about the risk you want to insure, and other financial details. We may collect and/or receive (subject to your consent and law) information from credit reporting bodies (CRBs), such as your credit report, credit score, repayment history, defaults and publicly available information about you along with information from credit providers, credit assistance providers, brokers and other intermediaries regarding your applications and credit arrangements
• Service-related details like your username, encrypted password and service usage history, incidents, enquiries and complaints other details relating to special situations
• Behavioral & online data like browsing history, product preferences, IP address, device information.

We do not generally need sensitive information (e.g. health, ethnicity, union membership). If we do need it and you provide it, we will only collect and use it with your consent or as otherwise permitted by law.

In some cases we may collect information that is usually non-personally identifiable (such as location data, data about personal attributes or online identifiers) but that, taken together with other collected data, may identify you, either directly or indirectly.

Where reasonable and practical, we collect information directly from you when you:

• Visit our website, use calculators or comparison tools
• Make an enquiry or request to be contacted
• Start, save or submit an application
• Communicate with us by phone. We may record telephone calls for quality, training, verification and compliance purposes. By agreeing to this Privacy Policy, you consent to those recordings. If you do not wish your call to be recorded, please tell our consultant at the start of the call.
• Communicate with us by email, chat or social media
• Subscribe to newsletters, updates or marketing

We may also collect information from third parties, including:

• Credit providers and credit assistance providers we work with
• Other brokers or intermediaries involved in your credit journey
• Service providers (e.g. ID verification, open‑banking, analytics, marketing)
• Credit reporting bodies (CRBs), where permitted and with your consent
• Public sources, such as public registers or online platforms, where relevant and lawful

If you provide information about another person (e.g. joint applicant, spouse or referee), you must ensure that you are authorised to do so and that the person is aware of this Policy.

Provide and improve our services

• Operate our website, tools, calculators and comparison services
• Identify car loan products that may be suitable for you
• Assess your eligibility for particular products (at a high level)
• Facilitate introductions or applications with credit providers or credit assistance providers at your request
• Respond to enquiries, feedback and complaints

Perform credit‑related activities

• Verify your identity (including as required by law)
• Assist in the preparation and lodgement of applications
• Work with credit providers and brokers in assessing your creditworthiness and serviceability
• Help manage ongoing relationships relating to your chosen product

Manage risk, security and compliance

• Detect and prevent fraud, misuse and security incidents
• Comply with legal and regulatory obligations, including under consumer credit, anti‑money laundering, privacy and financial services laws
• Maintain records and cooperate with regulators and dispute‑resolution bodies

Marketing and communications

• Send you information about products and services that may interest you (where permitted by law and your preferences)
• Provide newsletters, updates, guides and promotions
• Personalise content and offers based on your interactions and preferences

We will not sell your personal information to unrelated third parties.

We may disclose personal information to:

Credit providers we work with

When you ask us to help you with a car loan, we may send your information to one or more credit providers or credit assistance providers from our panel so they can assess your application or enquiry.

Each of these providers has its own privacy policy that explains how they collect, hold, use and disclose your information, and how you can access or correct the information they hold about you. We encourage you to read those policies carefully on the provider's own website.

We work with a range of credit providers and intermediaries, which may change from time to time. These include, but are not limited to:

• Alex Bank Pty Ltd (ABN 13 627 244 848)
• Angle Finance Pty Ltd (ABN 98 603 303 126)
• ANZ Banking Group Ltd (ABN 11 005 357 522)
• Australian Motorcycle and Marine Finance Pty. Ltd. (ACN 603 969 875)
• Azora Asset Finance Pty Ltd (ABN 12 087 826 159)
• Bank of Queensland Ltd (ABN 32 009 656 740)
• Branded Financial Services Pty Ltd (ABN 27 004 013 334)
• Capital Finance Australia Ltd (ABN 23 069 663 136)
• Finance One Pty Ltd (ABN 80 139 719 903)
• Finance One Commercial Pty Ltd (ABN 18 634 900 548)
• Fair Go Finance Pty Ltd (ACN 134 369 574)
• Jacaranda Finance Pty Ltd (ABN 53 162 078 195)
• Latitude Automotive Financial Services (ABN 80 004 187 419)
• Latitude Personal Finance Pty Ltd (ABN 54 008 443 810)
• Liberty Financial Pty Ltd (ACN 077 248 983)
• Macquarie Bank Ltd (ABN 46 008 583 542)
• Maple Asset Finance Pty Ltd (ACN 674 353 103)
• Metro Finance Pty Ltd (ABN 44 600 674 903)
• Morris Finance (ABN 70 083 630 139)
• Multipli Pty Ltd (ABN 12 130 240 443)
• National Australia Bank Ltd (ABN 12 004 044 937)
• Now Finance Group Pty Ltd (ACN 158 703 612)
• OurMoneyMarket Lending Pty Ltd (ABN 64 605 231 669)
• Pepper Group Ltd (ABN 55 094 317 665)
• Plenti RE Ltd (ABN 57 166 646 635)
• Selfco (ABN 40 087 652 060)
• Wisr Finance Pty Ltd (ABN 39 119 503 221)
• Westpac Banking Corporation (ABN 33 007 457 141)

Our panel may change over time. The fact that a provider appears or does not appear in this list does not guarantee that their products will be available to you, or that they are included in every comparison we present. We will only share your information with those providers that are relevant to your enquiry or application.

This happens when:

• You have requested or authorised us to refer or introduce you; and/or
• You proceed with an enquiry, quote or application that requires your details to be shared.

Our service providers

• IT, hosting, cloud and data‑storage providers
• Analytics, measurement and optimisation services
• Identity verification and open‑banking providers
• Customer support, communication and marketing platforms
• Professional advisers (legal, audit, accounting)

Regulators, law enforcement and dispute bodies

• Regulators such as ASIC, ACCC or OAIC, where required
• External dispute resolution schemes (e.g. AFCA) where applicable
• Law‑enforcement agencies or courts, where required or authorised by law

Related entities and business transactions

• Our related companies (if any) for the purposes described in this Policy
• Entities involved in a business transfer, merger, acquisition or restructure, subject to confidentiality obligations

Some recipients may be located outside Australia for example in Asia, Europe or the USA. Where we disclose personal information overseas, we will take reasonable steps to ensure those recipients handle it in accordance with this Policy and applicable law.

Our website may contain links to third‑party websites. We are not responsible for the privacy practices of those sites. We encourage you to read the privacy policies of any third‑party site you visit.

We may use your contact details to tell you about products, services and offers we think may be relevant, including car loans and related products, in accordance with the Privacy Act and spam laws. Marketing may be by email, SMS, phone or other electronic channels as permitted by law. You will continue to receive direct marketing communications until you choose to opt out.

Whenever we communicate with you for direct marketing purposes, we will give you the opportunity to opt out of receiving further direct marketing communications from us by following the "unsubscribe" instructions included in any email or electronic message, even if you are no longer a customer.

You can opt out of marketing at any time by:

• Clicking the unsubscribe link in any marketing email we send; or
• Contacting us using the details in Section 11.

If you opt out of marketing, we may still send you non‑marketing messages (for example, about your enquiry, application or important service updates).

We use cookies, pixels and similar technologies to:

• Help our site function correctly and securely
• Remember your preferences and improve your experience
• Understand how visitors use our site and improve performance
• Support advertising and remarketing activities

Cookies may be set by us or by third parties who provide services to us (for example, analytics or advertising partners).

You can control some cookie settings in your browser, including blocking or deleting cookies. However, some features of our site may not work properly if you disable certain cookies.

We may use tools such as Google Analytics and other analytics/advertising services in accordance with their terms and applicable law.

We take reasonable steps to keep personal information secure from misuse, interference, loss, and unauthorised access, modification or disclosure. These steps include:

• Secure systems and data‑storage practices
• Access controls, authentication and staff training
• Use of reputable third‑party service providers

However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. You are responsible for keeping your own devices and passwords secure.

We retain personal information for as long as necessary to:

• Provide our services to you
• Meet the purposes described in this Policy
• Comply with legal and regulatory obligations

When personal information is no longer required, we will take reasonable steps to destroy or de-identify it, unless we are legally required to retain it.

You have the right to:

• Request access to personal information we hold about you; and
• Ask us to correct information that is inaccurate, out of date, incomplete, irrelevant or misleading.
• Request copies of our privacy policy and this document, in a form that suits you (e.g. hard copy or email)
• Ask CRBs to provide you with a copy of the information it holds about you and for them not to use your information for direct marketing assessment purposes, including pre-screening. You have the right to directly request a CRB or more information about how they handle your credit information, to correct that credit information, or contact a CRB to advise them that you believe that you may have been a victim of fraud. For 21 days after the CRB receives your notification, the CRB must not use or disclose that credit information. You can contact any of the following CRBs for more information: illion (www.illion.com.au), Experian (www.experian.com.au), and Equifax Pty Limited (www.equifax.com.au).

To make a request, contact us using the details in Section 11. We may need to verify your identity before processing your request.

In some cases, we may refuse access or correction where permitted or required by law. If we do, we will tell you why (unless it is unreasonable to do so) and how you can complain.

Please contact us for these purposes using the details in Contacting us below. We shall process and respond to your request in accordance with Australian Privacy Principle 12. There is no charge for making a request but a reasonable administrative charge, on a cost recovery basis, may be payable before we agree to provide access.

If you have a concern or complaint about how we handle your personal information, please contact us first via email: support@loangorilla.com.au

Provide as much detail as you can. We will acknowledge your complaint, allocate your complaint to a suitably senior staff member, and aim to process and respond within a reasonable time e.g. 30 days.

If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC):

• Website: https://www.oaic.gov.au
• Phone: 1300 363 992

We may change this Privacy Policy from time to time. The "Last updated" date at the top shows the latest version.

We encourage you to review this page periodically. If changes are material, we may also notify you via our website or email.

If you have any questions about this Privacy Policy or how we handle your personal information, contact: Email: support@loangorilla.com.au