How we collect, use, disclose and protect your personal and financial information.
This policy explains how Property Funding Co. ("we", "us" and "our") handles your personal information, in line with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). We are an Australian commercial finance broker that arranges business-purpose finance secured against property. When you enquire with us or apply for finance you share personal and financial information with us, and we treat that information carefully.
"We", "us" and "our" refer to Property Funding Co. and our related businesses. We arrange business-purpose property finance across Australia.
We operate as Property Funding Co, ABN 12 618 831 315. Our registered and postal address is Level 12, 167 Macquarie Street, Sydney NSW 2000.
We understand how important it is to protect your personal information. Any personal information we collect about you will be used only for the purposes for which we collected it, or as otherwise allowed under the law. Our commitment is to abide by the Australian Privacy Principles, the Privacy Act 1988 (Cth) and any other relevant law.
Personal information means information from which your identity can reasonably be identified, which may include an opinion about you.
When you make an enquiry through our website, we collect the details you provide: your name, phone number, email address, the loan amount and loan type you are interested in, and anything you include in your message.
If you progress to a finance application, we may collect further information needed to assess and manage that finance, such as details to verify your identity, information about the security property, the business or investment purpose of the loan and your exit strategy, and details of your financial position.
We also collect some technical information automatically when you use our website, including lead-source and campaign data (UTM parameters), the landing page you arrived on, the referring website, your IP address, and device, browser and usage information collected through cookies and analytics tools.
We collect and use your personal information to:
Where reasonable and practical, we collect your personal information directly from you, through our enquiry forms, by phone and by email. We also collect information through our website analytics and cookies, and we may collect it from third parties such as finance brokers, accountants and lawyers acting for you.
When you submit an enquiry form on this website, we collect the details you enter: your name, phone number, email address and the loan amount, plus the loan type and any description of your scenario where the form asks for them. We also record information about how you reached the form — the page you enquired from, the page that referred you, and any campaign parameters in the link you followed.
Our enquiry forms are protected by a spam-prevention check provided by Cloudflare. This assesses whether a submission is automated and processes your IP address and basic browser information to do so.
We may disclose your personal information to:
Before disclosing your personal information, we take reasonable steps to satisfy ourselves that the recipient has a commitment to protecting it at least equal to ours, or that you have consented to the disclosure. We may use cloud storage and IT systems that are located, or accessed from, outside Australia.
Some of these providers are located overseas. In particular, enquiry form submissions are transmitted to us using Resend, an email delivery provider located in the United States, and the spam-prevention check on our forms is provided by Cloudflare, which operates globally. Where we disclose personal information to an overseas recipient, we take reasonable steps to ensure it is handled consistently with the Australian Privacy Principles.
We do not carry out credit checks. We do not obtain credit reports about you, and we do not collect information about you from, or disclose information about you to, credit reporting bodies. Because we do not collect, hold, use or disclose credit reporting information, the credit reporting provisions in Part IIIA of the Privacy Act 1988 (Cth) do not apply to the way we handle your information.
We do collect financial information that you give us. Depending on your scenario this may include details of your existing loans and facilities, and anything you choose to tell us about defaults, judgments or past credit issues. We use it only to understand your scenario, to work out which lenders are likely to fund it, and to arrange and manage that funding.
Lenders and funders we refer your scenario to may carry out their own credit checks, including with credit reporting bodies. Those checks are made under each lender's own privacy policy and credit reporting practices, and the lender will tell you what applies before you proceed with an application.
The financial information we hold about you is personal information, so we handle it under this policy and the Australian Privacy Principles. You can ask for access to it or ask us to correct it, and you can complain about how we have handled it. See "Accessing and correcting your information" and "Complaints" below.
Our website uses cookies and similar technologies to understand how visitors use the site and to measure the performance of our marketing. The tools we may use include Google Analytics, Google Ads, Meta advertising tools and phone-call tracking, together with UTM lead-source tracking that records how you reached us. You can control or block cookies through your browser settings, though some parts of the site may not work as intended if you do.
From time to time we may use your personal information to send you information about our finance products, offers you may find of interest, or changes to our business. When you submit an enquiry you consent to us contacting you about your enquiry and related products.
If you do not wish to receive marketing, you can opt out at any time by using the "unsubscribe" link in any marketing email or by contacting us. We will not charge you and will action your request as soon as reasonably possible.
We take reasonable steps to protect your personal information by storing it in a secure environment, in electronic and, where relevant, paper form, and to protect it from misuse, loss and unauthorised access, modification or disclosure. We keep your information only for as long as we need it for the purposes described in this policy, or as required by law.
Enquiries submitted through this website are delivered to, and retained in, our email system. We do not store website enquiries in a separate database.
You may request access to the personal information we hold about you at any time. We may charge a reasonable fee for the cost of retrieving and supplying it. We will usually respond within a reasonable time, and we will explain our reasons if we are not able to give you access.
It is important that the information we hold is accurate and up to date, so please tell us if your details change. If any information we hold is incorrect, inaccurate or out of date, you may ask us to correct it. Where reasonable, we will let you know the outcome of your request, and if we decline to correct information we will give you our reasons.
If we collect government identifiers, such as your tax file number, we will not use or disclose them other than as authorised by law, and we will never use a government identifier to identify you.
In most cases we need to identify you to do business with you. However, where it is lawful and practicable, you can deal with us without providing personal information, for example when you make general enquiries about how our finance works or about indicative pricing.
We will only collect sensitive information about you with your consent. Sensitive information includes information about your racial or ethnic origin, political views, memberships of professional or trade associations or trade unions, sexual orientation, criminal record and health.
If you are dissatisfied with how we have handled your personal information, or you have a complaint about our compliance with the Privacy Act 1988 (Cth), you may contact us at privacy@propertyfundingco.com.au. We will acknowledge your complaint within seven days and provide a decision within 30 days.
If you are not satisfied with our response, you may make a complaint to the Office of the Australian Information Commissioner at www.oaic.gov.au or on 1300 363 992.
We review this policy from time to time and may update it as our practices, technology or the law change. The current version is always published on this page, and you may request a copy in an alternative form.
Last updated: .
To ask about this policy, or to request access to or correction of your information, contact us.