Privacy Policy

This Privacy Policy outlines how Vibes Finance Pty Ltd collects, uses, stores, and protects your personal
information in compliance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

1. Introduction

Vibes Finance Pty Ltd (“we,” “us,” or “our”) is committed to protecting your privacy. By using our services, you
consent to the collection and handling of your personal data as outlined in this policy.

2. What Personal Information We Collect

We collect personal information necessary for our financial services, including:

• Identification Details: Full name, date of birth, address, and government-issued ID.
• Contact Information: Phone number, email address, and postal address.
• Financial Data: Income details, employment history, and tax records.
• Credit Information: Credit reports, loan details, and liabilities.
• Online Data: IP address, device type, and browsing behavior through cookies.

3. How We Use Your Information

Your personal information is used for:

• Assessing loan applications and financial services eligibility.
• Verifying your identity as required by Australian law.
• Communicating with you regarding applications and services.
• Enhancing our website and customer experience.
• Ensuring compliance with financial and credit regulations.

4. Disclosure of Your Personal Information

We do not sell your personal information. However, we may share it with:

• Financial Institutions: For loan processing.
• Credit Reporting Agencies: For creditworthiness assessments.
• Regulatory Bodies: When required by Australian law.
• Service Providers: IT support, auditors, and legal advisors.

5. How We Protect Your Personal Data

We take security seriously and implement measures such as:

• Data encryption for secure transmission.
• Restricted access to personal information.
• Regular security audits and risk assessments.

6. Your Rights & Choices

Under the Privacy Act 1988 (Cth), you have the right to:

• Access your personal data upon request.
• Correct any inaccurate or outdated information.
• Opt-out of marketing communications.
• Request deletion of your personal data, subject to legal obligations.

7. Cookies and Website Analytics

We use cookies to improve our website and track user behavior. You can adjust your cookie settings through your
browser preferences.

8. Third-Party Websites

Our website may contain links to external websites. We are not responsible for their privacy practices, and we
encourage you to review their policies before sharing personal information.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website.

10. Contact Us

If you have any questions regarding this Privacy Policy, please contact us:

• Vibes Finance Pty Ltd
• Address: 8 Troon Place, St Andrews, NSW, Australia 2566
• Email: amrit@vibesfinance.com.au
• Phone: 0272085431
• Business Hours: Monday – Saturday, 9:00 AM – 5:00 PM