Who this covers
Business House Credit, referred to as "we" or "us". We are bound by the Privacy Act 1988 (Cth) and the Australian Privacy Principles.
What we collect
- Contact details: name, email, mobile, business address.
- Business information: ABN, entity name and type, sector, trading history, turnover, and details of the funding you are seeking.
- Financial information: bank statements, ATO statements, financial statements, BAS, details of existing facilities and their payout figures.
- Identity documents: driver's licence, passport or similar, where a lender requires identity verification.
- Website usage data: pages visited, how long each page was open, how far down it was read and where on the page it was clicked, recorded without cookies and without identifying you.
Cookies and advertising measurement
Our own page-view counter sets no cookies and identifies nobody. We do use Google Ads
conversion measurement. If you reach us by clicking one of our Google ads, a first-party
cookie set by Google's tag (named _gcl_aw or _gcl_au, kept for
up to 90 days) records that click, and if you then send an enquiry the tag tells Google Ads
that an enquiry happened so we know which advertising is working. Nothing you type into the
form is sent to Google: not your name, email, mobile or business details. Google processes
this data in the United States and describes its handling in the
Google Privacy Policy. You can
stop the cookie being set by blocking third-party scripts or cookies in your browser, and you
can manage ad personalisation at
adssettings.google.com. The form
works the same either way.
How we collect it
Directly from you, through our enquiry form, by email, by phone, and in documents you send us. We also collect publicly available business information from the Australian Business Register when you search for your business on our enquiry form. We may receive information about you from your accountant, bookkeeper or another referrer where they introduce you to us.
Why we collect it
To assess your funding requirements, prepare and submit applications to lenders, respond to your enquiry, meet lender and legal requirements, and maintain our records. We cannot arrange finance without this information.
Who we disclose it to
- Lenders and their credit teams, when we submit or discuss your application.
- Our aggregator, where applicable.
- Service providers who host our systems, send our emails, or provide bank statement retrieval and identity verification services.
- Your professional advisers, where you have asked us to deal with them.
- Regulators or law enforcement, where we are required to by law.
We do not sell your personal information, and we do not disclose it for marketing by anyone else.
Overseas disclosure
Some of our technology providers store or process data outside Australia. Where that is the case we take reasonable steps to ensure your information is handled consistently with the Australian Privacy Principles. Google Ads conversion data is processed in the United States.
How we hold it
Electronically, in access-controlled systems, with data held in Australia where we can. Access is limited to people who need it to do their job. We take reasonable steps to protect information from misuse, loss and unauthorised access.
How long we keep it
We keep records of settled transactions for seven years from settlement, in line with our record-keeping obligations. Where an application does not proceed, we destroy or de-identify the information within twenty-four months. Identity documents are destroyed once verification is complete and recorded.
Marketing
We will contact you about your enquiry regardless. We will only send you general marketing communications if you have opted in, and every one of those contains an unsubscribe link.
Accessing and correcting your information
You can ask us for a copy of the personal information we hold about you, and ask us to correct it if it is wrong. Contact us using the details below. We will respond within a reasonable period, and if we refuse we will tell you why in writing.
Complaints
If you think we have mishandled your personal information, contact us first at applications@businesshousecredit.com.au and we will investigate. If you are not satisfied with our response you can contact the Office of the Australian Information Commissioner at oaic.gov.au or on 1300 363 992.
Contact us
[ Your name ]
Business House Credit
applications@businesshousecredit.com.au
[ postal address ]
Last updated [ month, year ].