Privacy Policy

Last Updated: [March 2026]

Emerald Lending Collective is a trading name of Barron Advisory Services Pty Ltd.
Authorise Credit Representative: 57641 of Regional Finance Solutions Pty Ltd ACL: 484980

1. Purpose of This Policy

This Privacy Policy explains how we collect, use, store and disclose personal information in accordance with the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), the National Consumer Credit Protection Act 2009 (NCCP), Anti-Money Laundering and Counter-Terrorism Financing laws and the Notifiable Data Breaches (NDB) Scheme.

This policy applies to clients, prospective clients, website visitors, referrers, and any person who interacts with us.

2. Types of Personal Information We Collect

Identity & Contact Information:
Full name
Residential and postal address
Date and place of birth
Phone number and email address
Identification documents (Driver licence, Passport, Medicare)
Tax residency details

Financial & Credit Information:
Employment and income details
Payslips, tax returns, BAS statements
Bank statements
Assets and liabilities
Expenditure details
Superannuation details
Existing credit facilities
Credit history and credit score information

Credit Reporting Information:
With your consent, we may obtain consumer and commercial credit reports from a Credit Reporting Body (CRB), including repayment history information and default information.

Website & Digital Information:
IP address
Device and browser information
Pages viewed and time spent
Form submissions
Cookies and tracking data

We do not intentionally collect sensitive information unless required by law or voluntarily provided.

3. Why We Collect Your Information

We collect personal information to:
Assess your credit needs and objectives
Make reasonable inquiries about your financial circumstances
Provide credit assistance
Prepare and lodge loan applications
Obtain credit reports (with consent)
Verify identity (AML/KYC)
Meet legal and regulatory obligations
Communicate with lenders and related parties
Provide marketing communications where permitted

If required information is not provided, we may be unable to provide credit assistance.

4. How We Collect Information

We collect information directly from you via application forms, meetings, phone calls, emails, and website forms. We may also collect information from lenders, mortgage insurers, credit reporting bodies (with consent), identification verification services, and authorised third parties.

5. Credit Reporting Body Consent & Authority

By signing our credit application documents, you may authorise us to obtain consumer and commercial credit information from a Credit Reporting Body and appoint us as your agent for this purpose. If you do not provide consent, we may be unable to provide credit assistance.

6. Disclosure of Personal Information

We may disclose your personal information to:
Regional Finance Solutions Pty Ltd (ACL holder)
Lenders and financial institutions
Mortgage insurers
Credit reporting bodies
Aggregators and compliance platforms
Valuers and legal representatives
Technology providers (CRM, cloud storage)
Regulatory bodies including ASIC, AUSTRAC and OAIC
AFCA where required

We do not sell personal information.

7. Overseas Disclosure

Some third-party technology providers may store data overseas. We take reasonable steps to ensure privacy protections align with Australian standards.

8. Cookies & Website Analytics

Our website may use cookies and tracking technologies to improve functionality, analyse traffic, and assist with remarketing. You may disable cookies via your browser settings.

9. Direct Marketing

We may contact you about finance products or services that may be relevant to you. You may opt out at any time by clicking unsubscribe or contacting us directly.

10. Data Security & Notifiable Data Breaches

We take reasonable steps to protect your information through secure systems, encryption, and restricted access.

If we suspect an eligible data breach that may cause serious harm, we will assess the breach within 30 days and notify the Office of the Australian Information Commissioner (OAIC) and affected individuals where required.

11. Access and Correction

You may request access to or correction of your personal information. Requests must be made in writing, and proof of identity may be required.

12. Retention of Personal Information

We retain personal information as required to provide credit assistance and comply with legal obligations. When no longer required, information will be securely destroyed or de-identified.

13. Complaints

If you have a complaint regarding privacy, please contact Emerald Lending Collective.

If unresolved, you may contact:

Office of the Australian Information Commissioner (OAIC)
Website: www.oaic.gov.au
Phone: 1300 363 992

For credit assistance complaints:
Australian Financial Complaints Authority (AFCA)
Website: www.afca.org.au
Phone: 1800 931 678

14. Changes to This Policy

We may update this Privacy Policy from time to time. The latest version will be available on our website.

15. Contact Us

For questions about this Privacy Policy or to request access to information, please contact:

Emerald Lending Collective
Email: emeralddlendingcollective@pm.me
Phone: 0407 704 898