Welcome to Kwickloans. We respect your privacy and are committed to protecting your personal and credit information. This Privacy Policy explains:
- what information we collect
- how we use, store, and disclose it
- your rights in relation to your information
- and how to contact us
If you have any questions, please contact us at: contactus@kwickloans.com.au
1. Who We Are & Scope
“Kwickloans”, “we”, “our” or “us” refers to the entity operating the website at kwickloans.com.au and offering financial services such as:
- Car loans
- Truck loans
- Equipment financing
- Home loans
- Business loans
This policy applies to all personal information (including credit‑related information) we collect via our website, mobile or digital platforms, through loan applications, or via other interactions with you.
2. What Information We Collect
We collect personal information that is reasonably necessary for us to provide our financial services. This may include:
- Your full name, date of birth
- Contact details: email, phone number, postal address
- Identity documents: driver’s licence, passport, or other identification
- Employment details, income & financial situation
- Credit history, credit score, prior defaults or dishonours
- Bank account and transaction information
- Details of assets, liabilities, existing loans
- Business details (if you apply for a business loan)
- Usage data (e.g. IP address, browser type, device, pages visited)
- Other information you choose to provide (e.g. in support documents)
We collect credit-related information only when necessary and permitted by law, to assess your loan application or manage credit provided to you.
3. How We Collect Information
We collect information by:
- You directly providing it (via application forms, emails, phone calls, in person)
- Interactions with our website or digital platforms (e.g. via cookies and tracking)
- Third parties, including:
- Credit reporting bodies
- Employers, accountants, referees
- Other lenders or financial institutions
- Public or government databases
- Your representatives or guarantors
Where possible, we will obtain your consent before collecting from a third party.
4. How We Use Your Information
Your personal and credit-related information may be used for purposes including:
- Evaluating and processing your loan application
- Verifying your identity and employment
- Conducting credit checks and risk assessments
- Communicating with you (e.g. status updates, offers, service notices)
- Managing, servicing, and administering loans
- Managing defaults, recoveries, and enforcement
- Compliance with legal, regulatory or audit obligations
- Fraud prevention and risk management
- Marketing of our products or services (with your consent, where applicable)
- Internal analysis, quality control, and improving our services
We will only use your information in a manner consistent with the purpose for which it was collected, or for a secondary purpose you would reasonably expect or have consented to.
5. Disclosure of Information
We may disclose your personal or credit information to:
- Credit reporting bodies
- Lenders, financiers, insurers, guarantors
- Service providers, contractors, agents (e.g. IT, data processing, document management)
- Auditors, legal and accounting advisors
- Government or regulatory authorities (if required by law)
- External dispute bodies or courts
- Your representatives, brokers, or referees
- Entities involved in securitisation or funding arrangements
Where we disclose information to third parties, we will take reasonable steps to ensure they are bound to confidentiality and privacy obligations consistent with this policy.
We do not sell your personal information for marketing or commercial exploitation outside our business or with third parties, except where you have consented.
6. Credit Reporting & Credit-related Information
When you apply for credit:
- We may obtain a credit report about you from a credit reporting body
- We may include in that report your repayment history, defaults, inquiries, and credit score
- We may disclose to credit reporting bodies when you default on payments or commit serious credit infringements
- The information exchanged helps assess creditworthiness and manage our risks
You have rights under the Credit Reporting Code to:
- Request that we not use certain credit information for providing you “pre-screened” offers
- Access and correct credit-related information we hold about you
- Request that we not disclose your credit information except under permitted circumstances
7. Storage, Security & Overseas Transfers
We store your information securely using physical, electronic, and organizational safeguards. We take reasonable steps to protect against misuse, loss, unauthorized access, modification or disclosure.
Information may be stored electronically (including in cloud environments) and may be hosted on servers located in Australia or overseas. In such cases, we put in place safeguards (e.g. contractual, technical) to ensure overseas entities comply with privacy obligations.
We retain personal and credit-related information for no longer than required by law or for the purposes for which it was collected, unless a longer retention period is permitted or required.
8. Use of Cookies & Analytics
Our website may use cookies, web beacons, log files, analytics tools (e.g. Google Analytics) to collect non‑identifying usage data such as:
- Your IP address
- Browser type, device information
- Pages viewed, time on site
- Referral pages and navigation paths
This helps us understand site usage, improve performance, and enhance user experience. You may disable cookies in your browser settings, though it may limit certain functionalities.
9. Accessing, Updating & Deleting Your Information
You have the right to:
- Request access to the personal and credit-related information we hold about you
- Request correction of inaccurate, incomplete or out-of-date information
- Request deletion or de‑identification, subject to legal or regulatory constraints
- Withdraw consent (where processing is based on consent)
- Limit the use or disclosure of your information
To exercise these rights, contact us via contactus@kwickloans.com.au. We will respond within a reasonable timeframe and inform you of any valid grounds to refuse, if applicable.
10. Complaints & Dispute Resolution
If you believe we have breached this Privacy Policy or applicable privacy law, please contact us at contactus@kwickloans.com.au describing your concern.
We will:
- Acknowledge your complaint promptly
- Investigate and respond within a reasonable time
- Take corrective steps where appropriate
11. Changes to This Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. The updated version will have a new “Effective Date” and will be posted on our website.
Your continued use of our services after changes constitutes acceptance of the new policy.
