Privacy Policy – Aryo Finance

1. Introduction

At Aryo Finance, we respect your privacy and are committed to protecting your personal information.
This Privacy Policy explains how we collect, use, store, and disclose your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

By engaging with Aryo Finance — whether online, in person, or through any of our services — you consent to the practices described in this policy.

2. What Information We Collect

We may collect the following types of personal information when you apply for or enquire about a loan or financial service:

  • Full name, date of birth, and contact details (address, phone, email)

  • Employment details and income information

  • Financial details, including assets, liabilities, expenses, and credit history

  • Identification details (e.g., driver’s licence, passport, or Medicare number)

  • Credit report information (via authorised credit reporting bodies)

  • Information about your property, loan purpose, and financial goals

We may also collect sensitive information (e.g., health or hardship details) only when necessary to provide you with appropriate financial assistance — and only with your explicit consent.

3. How We Collect Your Information

We collect personal information directly from you when you:

  • Complete an enquiry form on our website

  • Apply for a loan through us or complete our client documents

  • Communicate with us via phone, email, or social media

  • Authorise third parties (e.g., your accountant, employer, or real estate agent) to share details with us

We may also collect information from external sources such as lenders, credit reporting bodies, or government registers (where permitted by law).

4. Why We Collect Your Information

We collect, hold, and use your personal information for the following purposes:

  • To assess your loan application and provide mortgage broking services

  • To verify your identity and comply with AML/CTF requirements

  • To obtain credit reports and liaise with lenders on your behalf

  • To communicate with you about your application, products, or related services

  • To meet our legal and regulatory obligations under the National Consumer Credit Protection Act 2009 (NCCP Act) and ASIC Regulatory Guide 209

  • To manage and improve our business operations and client experience

5. Disclosure of Your Information

We may disclose your personal information to:

  • Authorised credit providers and lenders

  • Credit reporting bodies

  • Our aggregators, referral partners, and professional advisers (e.g., accountants, conveyancers)

  • Regulatory bodies such as ASIC, AFCA, and AUSTRAC, where required by law

  • Third-party service providers (e.g., software platforms, cloud storage, verification systems)

We ensure that all third parties who handle your data adhere to strict privacy and confidentiality standards.

6. Storage and Security

Your personal information is stored securely, whether electronically or in physical form.
We take reasonable steps to protect your data from misuse, interference, loss, unauthorised access, modification, or disclosure — including through:

  • Encrypted systems and password protection

  • Restricted staff access based on role and responsibility

  • Secure data backups and disposal procedures

7. Access and Correction

You have the right to access and correct the personal information we hold about you.
If you wish to request access or correction, please contact us at [insert contact email].
We will respond within a reasonable timeframe (usually within 30 days) and may require verification of your identity before releasing information.

8. Direct Marketing

From time to time, we may send you information about products or services we believe may be of interest.
You may opt out of receiving marketing communications at any time by clicking “unsubscribe” in our emails or contacting us directly.

9. Complaints

If you believe we have breached your privacy or mishandled your personal information, please contact us in writing at [insert complaints email].
We will acknowledge your complaint and aim to resolve it within 30 days.
If you are not satisfied with our response, you can contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au or AFCA at www.afca.org.au.

10. Changes to This Policy

We may update this Privacy Policy from time to time.
The latest version will always be available on our website at www.aryofinance.com.au/privacy.