Privacy Policy - Equity Access

Last Updated: July 2025

​

1. About This Policy

Equity Access Funding Pty Ltd (ABN: [Company ABN], "we", "us", "our", "Equity Access") is committed to protecting the privacy and confidentiality of personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs) 12. This Privacy Policy explains how we collect, use, store, disclose and manage your personal information when you interact with our services or visit our website at www.equityaccess.com.au

 

Our Contact Details:

• Company: Equity Access Funding Pty Ltd

• Address: Level 2, 49-51 York Street, Sydney NSW 2000

• Phone: +61 468 885 012

• Email: contact@equityaccess.com.au

 

This policy applies to all personal information we collect about individuals, including clients, potential clients, website visitors, brokers, legal professionals, accountants, investors, and other business contacts.

​

2. What Personal Information We Collect

 

2.1 Types of Information Collected

We collect personal information that is necessary for our business operations as a commercial lender specialising in secured private credit, including:

Identity and Contact Information:

• Full name, date of birth, and residential/business addresses

• Phone numbers and email addresses

• Government-issued identification (driver's licence, passport)

Financial Information:

• Income details, employment information, and financial position

• Bank statements and transaction records

• Credit history and credit reporting information

• Tax file numbers (where legally required)

• Details of assets, liabilities, and existing loans

Property and Security Information:

• Property valuations and ownership details

• Property addresses and legal descriptions

• Insurance information and property condition reports

Business and Professional Information:

• Business registration details and ABN/ACN

• Professional licences and accreditations (for brokers, lawyers, accountants)

• Company directorships and shareholdings

 

2.2 Sensitive Information

We may collect sensitive information where necessary for our lending services, including:

• Information about your membership of professional associations

• Criminal record checks (where required by law)

• Health information (only where it affects loan serviceability)

We will only collect sensitive information with your explicit consent and where it is reasonably necessary for our business functions.

 

3. How We Collect Personal Information

 

3.1 Direct Collection

We primarily collect personal information directly from you through:

• Application forms and loan documentation

• Phone conversations and meetings

• Our website contact forms and enquiry submissions

• Email correspondence

• Identity verification procedures

 

3.2 Third Party Collection

We may collect information from third parties, including:

• Credit reporting agencies and credit bureaus

• Property valuers and real estate agents

• Accountants, lawyers, and other professional advisers (with your consent)

• Government agencies and regulatory bodies

• Employers and financial institutions (for verification purposes)

• Mortgage brokers and referral partners

3.3 Website Information

When you visit our website, we may collect:

• IP addresses and browser information

• Pages visited and time spent on our website

• Information submitted through contact forms

• Cookies and similar tracking technologies

 

4. Why We Collect and Use Personal Information

 

4.1 Primary Purposes

We collect and use personal information for:

• Loan Assessment: Evaluating loan applications and creditworthiness

• Service Provision: Providing lending services, including B-Note investments

• Legal Compliance: Meeting regulatory requirements under Australian financial services laws

• Identity Verification: Complying with Anti-Money Laundering and Counter-Terrorism Financing obligations

• Risk Management: Assessing and managing credit and security risks

 

4.2 Secondary Purposes

We may also use personal information for:

• Customer service and support

• Improving our products and services

• Internal business administration

• Marketing our services (with your consent)

• Fraud prevention and security

 

4.3 Direct Marketing

We may use your personal information for direct marketing purposes only where:

• You have consented to receive marketing communications

• You would reasonably expect us to use your information for marketing

• We provide a simple opt-out mechanism in all marketing communications

You can opt out of marketing communications at any time by contacting us at contact@equityaccess.com.au.

 

5. How We Disclose Personal Information

 

5.1 Permitted Disclosures

We may disclose your personal information to:

• Legal and Professional Advisers: Including lawyers, accountants, and auditors

• Service Providers: Including IT providers, storage facilities, and administrative service providers

• Regulatory Bodies: Including ASIC, AUSTRAC, and other government agencies as required by law

• Credit Providers: Including banks and other financial institutions for refinancing

• Valuers and Assessors: For property valuations and assessments

• Mortgage Brokers: Where you have been referred through a broker arrangement

 

5.2 Credit Reporting

We may disclose credit-related personal information to credit reporting agencies in accordance with the Privacy Act 1988 (Cth) and credit reporting provisions.

 

5.3 Overseas Disclosures

We may disclose personal information to overseas recipients, including:

• Cloud storage providers located in secure international data centres

• Professional service providers located overseas

• Related entities operating internationally

When disclosing information overseas, we take reasonable steps to ensure recipients comply with Australian privacy standards or are subject to substantially similar privacy protections.

 

6. Data Security and Storage

 

6.1 Security Measures

We implement reasonable technical and organisational measures to protect personal information from:

• Unauthorised access, modification, or disclosure

• Misuse, interference, and loss

• Cyber security threats and data breaches

Our security measures include:

• Secure encryption of sensitive data

• Multi-factor authentication for system access

• Regular security assessments and updates

• Staff training on privacy and security obligations

• Secure physical storage of paper records

 

6.2 Data Retention

We retain personal information for as long as necessary to:

• Fulfil the purposes for which it was collected

• Comply with legal and regulatory requirements

• Manage ongoing business relationships

Personal information is securely destroyed when no longer required, subject to legal retention obligations.

 

7. Your Rights and Choices

 

7.1 Access to Personal Information

You have the right to request access to personal information we hold about you. We will provide access unless an exception applies under the Privacy Act 1988 (Cth).

 

7.2 Correction of Personal Information

If you believe personal information we hold is inaccurate, out-of-date, incomplete, irrelevant, or misleading, you can request correction. We will take reasonable steps to correct the information if we agree it requires correction.

 

7.3 Right to Erasure

Under recent privacy law reforms, you may request deletion of your personal information in certain circumstances, including where:

• Information is no longer necessary for the original purpose

• You withdraw consent (where consent was the basis for collection)

• Information was collected unlawfully

 

7.4 Anonymity and Pseudonymity

Where practical, you have the option to interact with us anonymously or using a pseudonym 56. However, this may not be possible for our lending services due to legal and regulatory requirements.

 

8. Complaints and Contact Information

 

8.1 Privacy Complaints

If you have concerns about how we handle your personal information, please contact our Privacy Officer:

 

Privacy Officer

Equity Access Funding Pty Ltd

Level 2, 49-51 York Street, Sydney NSW 2000

Phone: +61 468 885 012

Email: contact@equityaccess.com.au

 

8.2 Complaint Process

We will:

• Acknowledge your complaint within 5 business days

• Investigate the matter thoroughly

• Respond with our findings within 30 days

• Take corrective action if required

 

8.3 External Complaints

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC):

OAIC Contact Details:

• Website: www.oaic.gov.au

• Phone: 1300 363 992

• Email: enquiries@oaic.gov.au

 

9. Data Breach Notification

 

9.1 Notifiable Data Breaches

Under the Notifiable Data Breaches scheme, we will notify you and the OAIC if a data breach is likely to result in serious harm. This includes situations where personal information is:

• Lost or stolen (such as devices containing client information)

• Subject to unauthorised access (such as hacking)

• Mistakenly disclosed to the wrong person

 

9.2 Breach Response

In the event of a data breach, we will:

• Assess whether the breach is likely to result in serious harm

• Contain and investigate the breach

• Notify affected individuals as soon as practicable

• Provide recommendations on steps you should take

• Report to the OAIC within 72 hours where required

 

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Updated versions will be published on our website at www.equityaccess.com.au with the date of the latest revision.

We encourage you to review this policy periodically to stay informed about how we protect your personal information.

 

11. Additional Information

 

11.1 Regulatory Compliance

As a provider of financial services, we are subject to various laws and regulations, including:

• Privacy Act 1988 (Cth) and Australian Privacy Principles

• Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth)

• National Consumer Credit Protection Act 2009 (Cth)

• Corporations Act 2001 (Cth)

 

11.2 Professional Standards

We are committed to maintaining the highest standards of privacy protection and regularly review our practices against industry best practices and regulatory guidance.

 

This Privacy Policy is effective as of June 2025 and reflects current Australian privacy law requirements including recent reforms under the Privacy and Other Legislation Amendment Act 2024.

​

For any questions about this Privacy Policy or our privacy practices, please contact us at contact@equityaccess.com.au or +61 468 885 012.