1. Introduction
Breezy Loans Pty Ltd (ABN: 29 627 702 943) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).
2. Information We Collect
2.1 Personal Information
We collect personal information that you voluntarily provide to us, including:
- Full name, date of birth, and contact details
- Email address and phone number
- Residential address and employment information
- Income details and financial information
- Driver's license number and other identification
- Banking and payment details
2.2 Website Information
When you visit our website, we may automatically collect:
- IP address and browser type
- Pages visited and time spent on site
- Referring website information
- Cookies and tracking pixels
3. How We Use Your Information
We use the personal information we collect for the following purposes:
- Processing your loan application
- Assessing your creditworthiness
- Entering into and managing your loan contract
- Conducting credit checks and verification
- Communicating with you about your application and loan
- Sending you promotional materials (with your consent)
- Complying with legal and regulatory obligations
- Improving our website and services
4. Disclosure of Your Information
4.1 When We Share Information
We may share your personal information with:
- Credit Reporting Agencies: To report your loan application and payment history
- Lender Partners: To facilitate loan origination and funding
- Third-party Service Providers: To process payments, verify identity, and provide services
- Government Agencies: When required by law or regulation
- Legal Representatives: In the event of disputes or legal proceedings
4.2 Privacy Breaches
If a privacy breach occurs, we are committed to notifying affected individuals in accordance with the Privacy Act requirements.
5. Data Security
We implement reasonable security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include:
- Secure SSL encryption for website transactions
- Password protection for accounts
- Limited access to personal information
- Regular security audits
- Employee privacy training
Note: While we strive to protect your information, no security system is impenetrable. We cannot guarantee 100% security.
6. Cookies and Tracking
Our website uses cookies and tracking pixels to:
- Remember your preferences
- Track website usage patterns
- Deliver targeted advertising
- Improve user experience
You can disable cookies in your browser settings, though this may affect website functionality.
7. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for their privacy practices. Please review their privacy policies before providing personal information.
8. Your Rights
8.1 Access Your Information
You have the right to access personal information we hold about you. Contact us to request access to your records.
8.2 Correct Your Information
If your information is inaccurate or outdated, you may request corrections. We will update our records promptly.
8.3 Opt-Out
You may opt-out of receiving promotional communications by clicking "unsubscribe" in our emails or contacting us directly.
9. Complaints
If you believe we have breached the Privacy Act or APPs:
- Contact us at hello@breezyloans.com.au with details
- We will investigate and respond within 30 days
- If unsatisfied, contact the Office of the Australian Information Commissioner (OAIC)
10. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Your continued use of our services indicates your acceptance of the updated policy.
11. Contact Us
If you have questions about this Privacy Policy or how we handle your information:
Email: hello@breezyloans.com.au
Address: 8 Budawang Street, Parkinson QLD 4115
License: 389610 | Credit Rep: 514197
Last Updated: November 2025
This Privacy Policy complies with the Privacy Act 1988 (Cth) and the Australian Privacy Principles.