Privacy Policy

This Privacy Policy explains how Lendera.com.au (https://lendera.com.au) collects, uses, and protects your personal information. We are committed to complying with the Privacy Act 1988 (Cth) and the Australian Privacy Principles to ensure your personal data is handled responsibly and securely.

1. Collection of Personal Information

We collect personal information that is necessary to provide you with our broking and related credit services. This may include your name, contact details, financial and employment information, identification documents, and details of your loan requirements. In certain circumstances, we may collect sensitive information, such as health information, on behalf of a lender to support a credit application.

2. How We Collect Information

We generally collect information directly from you, including when you complete forms on our website, speak with a broker, or provide supporting documentation. We may also collect information from third parties such as credit reporting bodies, employers, accountants, or other representatives as permitted under the Privacy Act.

3. Use of Personal Information

Your personal information is used for purposes including:

• Providing credit assistance and related financial services
• Assessing your eligibility for credit or related products
• Preparing and submitting credit or lease applications
• Administering our services and managing our business operations
• Communicating with you about products or services that may be of interest
• Complying with laws, regulations, and industry standards

You may opt out of receiving marketing communications from us at any time by contacting us directly.

4. Disclosure of Information

We may share your information with third parties involved in providing our services, such as:

• Our aggregator, Finsure Finance & Insurance Pty Ltd (ACL 384704)
• Lenders, mortgage insurers, and service providers
• Credit reporting bodies and verification agencies
• Your representatives, such as accountants, solicitors, or financial advisers
• Government or regulatory bodies as required by law

We take reasonable steps to ensure that these third parties maintain the privacy and security of your personal information.

5. Overseas Disclosure

Some service providers or data storage providers may be located overseas. As a result, your information may be transferred to or accessed from outside Australia. We take reasonable measures to ensure that overseas recipients handle your information in accordance with Australian privacy requirements.

6. Access and Correction

You may request access to the personal information we hold about you, or request corrections if the information is inaccurate or incomplete. To make a request, please contact us at privacy@lendera.com.au or through the contact details on our website.

7. Complaints

If you believe your privacy has been breached, please contact us and we will investigate and address your concerns promptly. If you are not satisfied with our response, you may contact the Office of the Australian Information Commissioner (OAIC) at www.oaic.gov.au.

8. Updates to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. The latest version will always be available on our website.

By engaging with Lendera.com.au or using our services, you consent to the collection, use, and disclosure of your information as described in this policy.

Disclaimer

The information provided on the Lendera.com.au website and its associated tools, calculators, and communications is intended for general informational purposes only and should not be construed as financial, legal, or taxation advice.

No Financial or Legal Advice

While Lendera.com.au is operated by VCAP Connect Pty Ltd (ABN 88 674 243 362), Credit Representative 555042 of Finsure Finance and Insurance Pty Ltd (ABN 72 068 153 926, Australian Credit Licence 384704), the content provided on this site does not constitute personal credit or investment advice. All loan or credit information is general in nature and does not take into account your individual objectives, financial situation, or needs. You should consider whether the information is appropriate for you and seek professional advice before making financial decisions.

Accuracy of Information

Although we endeavour to ensure that the information, interest rates, and product details shown on this website are current and accurate, Lendera.com.au makes no representations or warranties of any kind, express or implied, about the completeness, reliability, suitability, or availability of the content. All information is subject to change without notice, and product features or eligibility criteria may vary between lenders.

Limitations of Liability

To the fullest extent permitted by law, Lendera.com.au, VCAP Connect Pty Ltd, and its related entities, employees, and agents disclaim all liability for any loss, damage, or expense (including indirect or consequential loss) that may arise from reliance on any information, representation, or omission contained on this website or provided through our digital tools.

Third-Party Links and Data

This website may contain links to third-party sites or display data sourced from third-party providers. These are provided for convenience only. Lendera.com.au does not endorse or assume responsibility for the content, accuracy, or availability of any external websites or resources linked herein.

Updates and Revisions

Lendera.com.au reserves the right to modify or discontinue any part of the website, tools, or services at any time without prior notice. Continued use of this site following any changes constitutes your acceptance of the updated disclaimer.

Credit Guide

This Credit Guide provides important information about the credit assistance and services offered by Lendera.com.au, operated by VCAP Connect Pty Ltd (ABN 88 674 243 362), Credit Representative 555042 of Finsure Finance and Insurance Pty Ltd (ABN 72 068 153 926, Australian Credit Licence 384704).

1. Purpose of this Credit Guide

This document explains who we are, the services we provide, how we are paid, and how complaints are handled. It is designed to help you decide whether to use our services.

2. Our Details

• Credit Representative: Vishesh Vasnani
• Company: VCAP Connect Pty Ltd
• Address: 139 Cardigan Street, Carlton VIC 3053
• Phone: 1800 953 993
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• Email: vishesh@vcapconnect.com.au
• Credit Representative Number: 555042
• Licensee: Finsure Finance and Insurance Pty Ltd (ACL 384704)
• Address: Level 27, 10 Carrington Street, Sydney NSW 2000
• Phone: 1300 346 787
• Email: admin@finsure.com.au

3. Responsible Lending Obligations

Before providing you with credit assistance, we are required by law to ensure that any loan or lease we suggest is not unsuitable for you. To make this assessment, we will ask you questions about your requirements, objectives, and financial situation, and take reasonable steps to verify your information. If we provide you with credit assistance, you are entitled to request a copy of our preliminary credit assessment.

4. Our Services

We assist clients by sourcing suitable credit products from a wide panel of lenders. Our services include loan comparisons, refinance assistance, debt consolidation, and other forms of credit advice consistent with your financial needs and goals. We do not provide financial or legal advice. You should consider obtaining independent professional advice before entering into any credit or finance arrangement.

5. Fees Payable by You

We may charge a fee for our services. Any applicable fee will be disclosed to you in a Credit Quote before proceeding with your application. You may also be required to pay fees and charges to the lender as part of the loan process, which will be disclosed in your Credit Proposal Disclosure Document.

6. Commissions We May Receive

We may receive a commission from the lender once your loan or lease is settled. The amount depends on factors such as the type of loan and the lender selected. These commissions are not fees payable by you. Details of the commission will be disclosed in your Credit Proposal Disclosure Document before your loan application proceeds.

We may also receive additional benefits or volume-based payments from lenders based on the overall business we introduce. These are not directly linked to any specific loan and are disclosed as part of our general business relationship with Finsure Finance and Insurance Pty Ltd.

7. Referral Payments

We may pay a referral fee or commission to third parties such as real estate agents, accountants, or financial advisers who refer clients to us. Any such payment will be disclosed to you in your Credit Proposal Disclosure Document. These payments are not fees charged to you.

8. Dispute Resolution and Complaints

We are committed to resolving any complaints quickly and fairly. If you have a concern about our service, please contact our Complaints Manager using the following details:

• Email: complaints@finsure.com.au
• Phone: 1300 346 787
• Mail: Complaints Manager, Finsure Finance and Insurance Pty Ltd, Level 27, 10 Carrington Street, Sydney NSW 2000

We will acknowledge your complaint and aim to resolve it within five business days. If your complaint is not resolved to your satisfaction, you may refer it to the Australian Financial Complaints Authority (AFCA):

• Website: www.afca.org.au
• Email: info@afca.org.au
• Phone: 1800 931 678
• Mail: GPO Box 3, Melbourne VIC 3001

9. Privacy

We take your privacy seriously and handle all personal information in accordance with our Privacy Policy and the Privacy Act 1988 (Cth). Your information will only be used to provide broking services and for related purposes as outlined in our Privacy Policy, available on our website.

10. Acknowledgement

By engaging with Lendera.com.au or its representatives, you acknowledge that you have read and understood this Credit Guide and consent to the collection and use of your personal information in accordance with our Privacy Policy.

For further details or a copy of this document, please contact us via email at info@lendera.com.au or visit our website at https://lendera.com.au.