which you may read here
By communicating or dealing with Lending Express, including by completing and submitting the Application Information through the Site, you consent to the information you provide being collected, stored, used and disclosed by us in accordance with
Types of Information We Collect
“Personal Information” means information that can be directly associated with a specific person, such as gender, birth date, marital status, professional experience, education, or credit card information. We collect such Personal Information that
you provide us in order for us to provide you with our Services. This Personal Information may include: your full name, gender, birth date, place of birth, place of residence, profession and professional experience, or the Application Information.
We also receive information from Lenders regarding your loan application or loan. Such information may include whether or not a loan has been approved, the amount of the loan, the date in which the loan is granted and additional information regarding
the loan. If you choose to use the Credit Sense service on our website, we may also retain the Statements. We also collect Personal Information when you contact us for any reason. It is your voluntary decision whether to provide us with any such Personal
Information, but if you refuse to provide such information we may not be able to register you to use the Services or your use of the Services may be limited. To the extent that you provide Personal Information about individuals other than yourself,
on their behalf and confirm that you have the authority to do so. In addition, when you use the Site, certain information may be automatically gathered about your computer, browser, operating system, IP address or mobile device.
How we Protect Information
We make efforts to follow generally accepted industry standards to protect Personal Information, both during transmission and once we receive it, including by keeping your Personal Information secure in a combination of secure computer storage, hard
copy files and other records. However, you must realize that no method of transmission over the Internet or method of electronic storage is 100% secure. Therefore, we cannot guarantee its absolute security. We will delete any Personal Information
provided to us by a user upon the receipt of a written request by such user. We cannot restore information that we have deleted.
How we Use Information
Please note that we are not a government agency, government organization, financial institution, loan provider or other funding provider. We are a company providing value added services meant to connect small businesses with small business loan providers.
We will provide third party Lenders your Application Information on your behalf for the opportunity to receive a small business loan. If you are found eligible for a business loan by several Lenders, you may choose with which Lender(s) you want to
complete the process. We will share your Application Information only with those Lenders which you have chosen to complete the application process with. We are not responsible for any errors in the content you provide to us. The Application Information
may include your Statements, if you have used the Credit Sense service on our website. If you have successfully completed the loan process, we will use the Personal Information provided to us by Lenders in order to calculate our Service Fees. Except
as specifically set forth in these Terms, we will not share your Personal Information with third parties without your explicit permission except as otherwise permitted by the Privacy Act 1988 (Cth) and the Australian Privacy Principles. We may use
Personal Information internally – for example, to help diagnose problems with our servers, to make our Site or Services more useful, or to customize our Site or Services and personalize their content for you. We may share your Personal Information
with members of our corporate family, third party vendors, service providers and Lenders. We may also authorize third party Lenders, vendors or service providers to collect information on our behalf. We may offer third party products or services on
our website. You can tell when a third party is involved in a product or service because their name will appear, either alone or with ours. If you choose to use these products or services, we may share information about you, including your Personal
Information, with those partners. Please note that we do not control the privacy practices of these third party business partners. If you wish to no longer allow that third party to use your information, please contact that third party directly. If
you were referred to our Site from another website (for example, through a link), we may share some information about you with that referring website. We encourage you to review the privacy policies of any website that referred you here. Additionally,
when you link to one of our partners from our Site, we provide that partner with a unique identifier so they know that you were referred from our Site. This unique identifier will not contain any of your Personal Information. By analyzing all information
we receive, including all information concerning users, we may compile statistical information across a variety of users (“Statistical Information”). Statistical Information helps understand trends and user needs so that new products and services
can be considered and so existing products and services can be tailored to user desires. Statistical Information does not indicate individuals’ identities, and we will not link Statistical Information to any Personal Information. We may share Statistical
Information with our partners, without restriction, on commercial terms that we can determine in our sole discretion. We also use a tool called “Google Analytics” to collect information about the use of the Site or Services. Google Analytics collects
information such as how often users visit this Site, what pages they visit when they do so, and what other sites they used prior to coming to this Site. Google Analytics collects only the IP address assigned to you on the date you visit this site,
rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. We use the information we get from Google Analytics only to improve our
. We may lawfully disclose your Personal Information for purposes other than those purposes for which it was collected and described
herein (secondary purpose) in certain circumstances, including where you would reasonably expect us to disclose the information for that purpose. We can (and you authorize us to) disclose any information about you as we, in our sole discretion, reasonably
believe necessary or as otherwise permitted under the Privacy Act 1988 (Cth), including: when disclosure is required or authorized by or under an Australian law or a court or tribunal order; to lesson or prevent serious threat to your health and safety
or to public health or safety; to take appropriate action where we have reason to suspect that unlawful activity, or misconduct of a series nature, that relates to our business functions or activities has been, is being, or may be engaged in; to assist
another entity, body or person to locate a person who has been reported as missing; for the establishment, exercise or defense of a legal or equitable claim; for the purposes of a confidential alternative dispute resolution process or for one or more
enforcement related activities conducted by, or on behalf of, an enforcement body.
cookie may be used to help save your settings and customizations. Also, if you log in to an application that we may provide, such a cookie will be used to recognize you as a valid user so you will not need to log in each time you use the application.
Most Web browsers are initially configured to accept cookies, but you can change this setting so your browser either refuses all cookies or informs you when a cookie is being sent. Also, you are free to delete any existing cookies at any time. Please
note that some features of the Services may not function properly when cookies are disabled or removed.
Online Links to Other Sites
of third party websites to which we or our partners link. We may connect with you, regarding the Services via Facebook or another third party platform (“Third Party Platform”). By agreeing to connect with us through a Third Party Platform you are
takes place when you connect with us via your Third Party Platform account.
Use of the Site/Services by Children
You must be at least 18 years of age in order to use the Site and/or Services. We do not knowingly collect personally identifiable information from children under the age of 13. In the event you become aware that somebody under the age of 13 has
enrolled without parental permission, please inform us immediately.
Correcting or Updating your Information.
We allow you to view the information you provided during registration and to alter any data, inaccuracies or errors. To request such access, or correct, update, or amend your personal information please contact us at the following email address,
postal address or telephone number: Email address: firstname.lastname@example.org
Postal Address: Level 25, Aurora Place 88 Phillip Street, Sydney, Australia We will retain your information for as long as your
account is active or as needed to provide you Services. If you wish to request that we no longer use your information to provide you Services, please contact us at the email address, postal address, or telephone number listed above. We will retain
and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We may send you email, text and social media messages (including but not limited to Facebook or Twitter), or contact you via telephone calls or direct mail. By accepting the Terms and Conditions for the Site or Services (including the terms of this
personal information from our mailing list and stop receiving future communication from us by following the unsubscribe link located at the bottom of each communication or by emailing us at email@example.com. You will also be given the opportunity
to unsubscribe from commercial messages in any such email we send. Please note that we reserve the right to send you service related communications, including service announcements and administrative messages, relating to your transactions on this
Site or Services, without offering you the opportunity to opt out of receiving them unless you cancel your account. Please note that you may still receive information from third parties to whom Lending Express may have disclosed your Personal Information
prior to your opt-out. If you no longer wish to receive information from such third party, please contact them directly. We may contact you via phone call, voicemail, text, email or media messages regarding the Site or Services during hours that may
be outside of the limitations of the ACMA as set out in:
. You hereby acknowledge
that by accepting the Terms for the Site and Services, you hereby affirmatively consent to such contact from us.
Other Uses or Transfer of Your Information
We will fully cooperate with any law enforcement authorities or court order requesting or directing us to disclose the identity, behavior or digital content of any user suspected to have engaged in illegal or infringing behavior. We may use subcontractors
that are located in countries other than your own, and send them information we receive. All our subcontractors will be subject to non-disclosure and non-use obligations. Nevertheless, some countries may have levels of protection of personal and other
information which are not as high as in your country of residence or business. We may transfer our databases containing your Personal Information if we sell our business or part of it.
Comments, Questions or Complaints
through our complaints process or you may decide to make a formal complaint with the Office of the Australian Information Commissioner (which is the regulatory responsible for privacy in Australia). Last updated: 05/07/2017