Privacy Policy

1. Introduction

Andorra Capital Solutions Pty Ltd (ABN to be confirmed) trading as Andorra Private ("we", "us", "our") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services or visit our website.

We are bound by the Australian Privacy Principles (APPs) contained in the Privacy Act 1988 (Cth) and the National Consumer Credit Protection Act 2009 (Cth).

2. Information We Collect

We may collect the following types of information:

Personal Information

• Name, address, email address, and phone number
• Date of birth and identification documents
• Financial information including income, assets, liabilities, and expenses
• Employment details and business information
• Credit history and credit report information
• Property and security details
• Bank statements and financial records

Technical Information

• IP address and browser type
• Device information and operating system
• Website usage data and analytics
• Cookies and similar tracking technologies

3. How We Collect Information

We collect personal information:

• Directly from you when you complete application forms or enquiry forms
• Through our website, email, phone, or in-person communications
• From third parties such as credit reporting bodies, lenders, and referrers
• From publicly available sources
• From your accountant, solicitor, or other professional advisers with your consent

4. How We Use Your Information

We use your personal information to:

• Assess your eligibility for finance products
• Submit loan applications to lenders on your behalf
• Communicate with you about your application and our services
• Comply with legal and regulatory obligations
• Improve our services and website
• Send you marketing communications (with your consent)
• Respond to complaints and disputes

5. Disclosure of Information

We may disclose your personal information to:

• Lenders, banks, and other financial institutions
• Credit reporting bodies
• Mortgage insurers and valuers
• Our aggregator and referral partners
• Professional advisers including lawyers and accountants
• Government and regulatory authorities as required by law
• Our IT service providers and data storage providers

We will not sell your personal information to third parties for marketing purposes.

6. Credit Reporting

As a credit provider and credit assistance provider, we may disclose your credit information to credit reporting bodies. This may include:

• Identity information
• The type and amount of credit sought
• Default information
• Court proceedings and insolvency information

You have the right to request access to your credit report and to request corrections if the information is inaccurate.

7. Data Security

We take reasonable steps to protect your personal information from misuse, interference, loss, unauthorised access, modification, and disclosure. This includes using secure servers, encryption, firewalls, and access controls. However, no method of transmission over the internet or electronic storage is 100% secure.

8. Your Rights

You have the right to:

• Request access to your personal information
• Request correction of inaccurate information
• Request deletion of your personal information (subject to legal requirements)
• Opt out of marketing communications
• Make a complaint about our handling of your information

9. Cookies and Tracking

Our website uses cookies and similar technologies to improve your browsing experience, analyse website traffic, and for marketing purposes. You can control cookies through your browser settings. Disabling cookies may affect the functionality of our website.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

11. Contact Us

If you have any questions about this Privacy Policy or wish to make a complaint, please contact us: