Privacy Policy

At K9 Finance Pty Ltd (ABN 86 679 957 638)(“we”, “our”, “us”), we are committed to safeguarding your privacy. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information. This policy applies to all services provided by K9 Finance Pty Ltd and includes our credit reporting practices.

If you are located in a country that is a member of the European Economic Area (EEA), the EU General Data Protection Regulation 2016/679 (GDPR) governs how we handle your personal information. Under the GDPR, we are considered a data controller, which means we determine how and why your personal information is processed.

General Information We may collect and hold the following types of personal information:

Identification details such as name, address, email address, telephone number, and date of birth.

Financial information including your tax file number.
Other contact information, including social media handles.
Any additional information we deem necessary to provide our services.

Credit Information In connection with credit applications or facilities, we may collect credit-related information, including:

Details from co-loan applicants, guarantors, or referees.
Information from employers, accountants, or real estate agents.
Data from credit reporting agencies and other relevant organizations.

Direct Collection We prefer to collect personal information directly from you, such as when you fill out forms, callus, or interact with our website.

We may also use electronic means like email or SMS for communication and verification.

Indirect Collection We may also collect personal information from third parties, such as:

Public records or social media if we are unable to contact you directly.
Legal or financial representatives.
Organizations assisting in processing applications or verifying identity.

When you use our website, we may collect information to:

Verify your identity and improve our services.
Contact you if you start but do not complete an online application.
Gather de-identified information for security and service improvement purposes.

We implement robust security measures to protect your information, including:

Secure storage practices for both paper and electronic records.
Access controls to ensure only authorized personnel can view your information.
Contracts with third-party storage providers to ensure the security of your data.

We retain your information only as long as necessary for our purposes and as required by law. Once no longer needed, we will destroy or de-identify your information.

We use your personal information to:

Provide and manage our services.
Offer credit assistance and related advice.
Administer applications and services.
Contact you about other products or services that may interest you.

Marketing With your consent, we may use your information for marketing purposes. You can opt out of receiving marketing communications at any time.

We may share your information with:

Representatives and referees you’ve provided.
Third-party service providers, such as lenders and fraud detection agencies.
Regulatory bodies as required by law.
Overseas organizations, including those in the Philippines, for business purposes.

You have the right to access and correct your personal information. To request access or correction:

Contact us in writing or by phone.
We may charge a small fee for providing access.
We will respond within a reasonable timeframe.

If you have concerns about how we handle your information, contact us at:

K9 Finance Pty Ltd
Address: Sunbury VIC
Tel : 03 8686 9191
Email: ask@K9finance.com.au

For unresolved issues, you may contact: Office of the Australian Information Commissioner (for Australian residents)
Relevant data protection authority (for EEA residents)

If you reside in the EEA, you can:

Object to processing or request the deletion of your personal information.
Withdraw consent if processing is based on consent.
Request an electronic copy of your personal information.

For general inquiries, you may choose to interact with us anonymously or under a pseudonym. However, we may not be able to assist you fully without knowing your identity.

We may collect government-related identifiers, such as tax file numbers, only when authorized by law and will not use or disclose this information except as legally permitted.

For any questions or concerns regarding our privacy practices, please contact us at

K9 Finance Pty Ltd
Address: Sunbury VIC
Tel : 03 8904 8171
Email: hey@k9finance.com.au