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Privacy Policy

Finance & Lending Exchange PTY LTD T/AS Flex

At Flex, your privacy matters. This Privacy Policy outlines how Finance & Lending Exchange PTY LTD T/AS Flex ("we", "us", or "our") collect, handle, store, and disclose your personal and credit-related information in accordance with the Australian Privacy Principles (APPs) and relevant credit reporting provisions under the Privacy Act 1988 (Cth).

Respecting Your Privacy

We are committed to protecting your personal information and ensuring transparency in how it is handled. This policy outlines how we manage your information when you use our services, submit a credit application, or engage with us online.

What information We Collect

We may collect the following types of personal and credit information:

  • Identification details (e.g. full name, address, email, phone number, DOB)
  • Contact details, including social media handles (where relevant)
  • Financial and credit information, including credit history, income details, or tax file numbers (TFN)
  • Employment, business, and professional information
  • Sensitive information, where required by law (e.g. health or ethnicity in insurance applications)
  • Online activity (e.g. IP addresses, site usage, device type, cookies)

We only collect information that is reasonably necessary to provide you with our services or meet legal and regulatory obligations.

How We Collect Your Information

We collect information directly from you wherever possible. This may occur when:

  • You fill out forms on our website
  • You contact us via phone, email, or SMS
  • You engage with us through social media or submit a credit application

In some cases, we may collect information from third parties, including:

  • Referrers, brokers, or aggregators
  • Credit reporting bodies and lenders
  • Your employer, accountant, or legal representative
  • Public records or identification verification providers
  • Any authorised agent acting on your behalf

Use of Website and Digital Platforms

When you visit our website or engage with us online, we may:

  • Monitor your activity to verify your identity, protect your data, and improve our services
  • Use temporary cookies or analytics tools to understand user behaviour
  • Contact you to assist with incomplete applications
  • De-identify data to improve digital experiences

If confidential matters arise via social channels, we will redirect communications to secure channels.

Why We Collect Your Information

We collect and use your personal information for a range of purposes, including:

  • Assessing and providing credit assistance
  • Submitting applications to lenders or lessors
  • Identifying suitable financial products
  • Managing your relationship with us (including customer service)
  • Meeting compliance with anti-money laundering and legal obligations
  • Marketing our services (unless you opt out)
  • Conducting fraud detection and prevention

Marketing and Your Rights

We may use your information to offer services or products that may be of interest. You may opt-out of direct marketing at any time by contacting us.

We do not sell your personal information.

With your consent, we may refer you to third-party providers where it aligns with your needs or financial objectives.

Disclosure of Your Information

To deliver our services, we may disclose your information to:

  • Lenders, lessors, and mortgage insurers
  • Credit reporting bodies
  • Our service providers, contractors, or professional advisers
  • Government bodies (ASIC, ATO, AFCA) as required
  • Your representatives (lawyers, brokers, accountants, or agents)
  • Aggregators and referrers
  • Third parties with your consent

Storage and Security

We take the security of your data seriously. Information is stored electronically and in some cases, physically, and is protected using:

  • Secure servers and access controls
  • Encryption and password protection
  • Strict internal policies and data minimisation practices
  • Agreements with third-party providers to uphold data protection

When information is no longer needed, we take appropriate steps to destroy or de-identify it.

Access and Correction of Personal Information

You have the right to access or request correction of your personal information. We will respond to such requests within a reasonable timeframe.

To make a request, please contact:
Finance & Lending Exchange PTY LTD T/AS Flex

Suite 103, 964 Mount Alexander Road,

Essendon, VIC, 3040

Phone: 0421 376 398

Email: info@finexchange.com.au

Complaints and Concerns

If you believe your privacy has been breached or you wish to raise a concern, please contact us directly. We will investigate your complaint and respond in writing.

If you are unsatisfied with our response, you can lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

Website: www.oaic.gov.au

Phone: 1300 363 992

Policy Updates

We may amend this Privacy Policy from time to time to reflect changes in law or our business practices. The most current version will always be available on our website.

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