At Funds Assist Financial Services, trading as Carnaby Street Pty Ltd, we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information in accordance with the Australian Privacy Principles (APPs) set out in the Privacy Act 1988 (Cth).

1. Collection of Personal Information

We collect personal information that is necessary for the services we provide, which may include:

• Your name, contact details, and identification information
• Employment, income, and financial information
• Information about your credit history and current financial obligations
• Other relevant details necessary for assessing your eligibility for financial products and services

We collect personal information directly from you through forms, applications, and communication. In some cases, we may also collect information from third parties with your consent, such as credit reporting agencies, lenders, or your financial institution.

2. Use of Personal Information

We use your personal information to:

• Provide financial advice and services
• Assess and process loan applications
• Offer suitable financial products and services
• Communicate with you about your loans, products, and services
• Comply with legal, regulatory, and contractual obligations

We may also use your personal information to send you marketing communications about products and services that may be of interest to you. You can opt-out of marketing communications at any time by contacting us.

3. Disclosure of Personal Information

We may disclose your personal information to:

• Lenders, credit providers, and financial institutions for the purpose of assessing and processing your loan application
• Credit reporting agencies for credit checks and reporting
• Our contractors, agents, or service providers who assist us in delivering our services
• Regulatory bodies, government agencies, or as required by law

We will not disclose your personal information to third parties for marketing purposes without your consent.

4. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure. This includes physical, electronic, and administrative safeguards to ensure your personal information remains secure.

5. Access and Correction

You have the right to access the personal information we hold about you. If you believe that any of your personal information is incorrect or incomplete, please contact us, and we will take reasonable steps to correct it.

6. Retention of Personal Information

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by law. Once your personal information is no longer needed, we will take reasonable steps to securely delete or de-identify it.

7. Overseas Transfers

We do not generally disclose your personal information to overseas recipients. If, in the future, we need to transfer your personal information overseas, we will take steps to ensure that it is protected in accordance with this Privacy Policy.

8. Complaints

If you have any concerns about how we handle your personal information or wish to make a complaint, please contact us. We will investigate your complaint and take appropriate action. If you are not satisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

9. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website, and the revised policy will be effective from the date it is published.

10. Contact Us

For further information or if you have any questions about how we manage your personal information, please contact us:

Funds Assist Financial Services (Trading as Carnaby Street Pty Ltd)
Australian Credit Licence 543877
Email: hello@fundsassist.com.au
Phone: (03) 8609 3998
Address: Level 2, Two Melbourne Quarter, 697 Collins Street, Docklands Vic 3008

By engaging with our services, you consent to the collection, use, and disclosure of your personal information as outlined in this Privacy Policy.