Privacy Policy

1. Personal Information and its importance



2. Why we collect personal information

We collect personal information so that we can:-

  1. assess your application and refer it to a lender most likely to be able to assist you; accept and process your application for a loan in accordance with the requirements of law;
  2. where necessary, assess your personal and/or commercial creditworthiness;
  3. where necessary, make a determination about the risk of you defaulting on your obligations to us;
  4. where necessary, undertake, where appropriate, risk assessment and management involving securitisation, credit scoring, portfolio analysis, reporting and fraud prevention and claim recovery;
  5. refer your application to the most appropriate lender given your particular circumstances;
  6. manage your dealings with us;
  9. in certain circumstances (as disclosed in paragraph 6(l)), sell your personal information, or to provide that information to others who might offer services to you, and

We will not use personal information we have collected for a purpose other than that disclosed in this Privacy Policy without your consent, or in circumstances allowed by law or where you would reasonably expect the use for that purpose.

3. If you do not provide us with your personal information

If you do not provide us with your personal information or give us consent to collect it from others, we will be unable to, amongst other things, process your application and make any assessment that may be required to by law. We will therefore not be able to satisfy our internal and external obligations and will not be able to refer you to an appropriate lender.

4. Where we get personal information

We obtain personal information from any of the following sources:

  3. other credit providers from whom we request information;
  4. credit reporting bodies;
  5. persons or entities you have authorised to provide us with information (for example bank statement suppliers);
  6. your use of our website with the aid of “cookies”, and


5. Sensitive information



6. Exchange of personal information

We may disclose your personal information to:-

  1. such credit reporting bodies, rating agencies, and any business which provide information about the creditworthiness of persons with whom we have a commercial arrangement (more detail about this appears below);
  2. credit providers and other organisations that are involved in managing or administering your finance such as third party suppliers, printing and postal services and call centres;
  3. personal and/or business referees nominated by you, including your employer (in relation to your employment status and income);
  5. your legal and financial advisers (if any) if permitted by you;
  6. Centrelink, Australian Taxation Office or other Government departments, agencies or bodies, to whom we may be required by law to disclose information supplied by you to us such as under the Anti-Money Laundering and Counterterrorism Financing Act 2006;
  7. our financiers;
  9. our ASIC and OAIC approved external dispute resolution service;
  10. payment system operators (if any);
  11. our insurers, insurance underwriters/providers in relation to our insurance policies;
  12. entities who may purchase (or who may be interested in purchasing) any interest in the business we conduct, and entities (either credit licensees (credit providers or credit assistance providers) or lead providers) to whom we may sell your personal information for a fee. The credit licensees or lead providers may either provide a service to you themselves or on-sell your personal information to others on the same basis as your personal information is sold to them;


  2. you have consented to us making the disclosure.

7. Overseas disclosure

We are a member of a group of companies which operates a worldwide financial services network.  As a result, the computer systems used operate between countries. We do not intend to disclose your personal information to any person who is not authorised by this policy or who is not an employee of Monevo or one of its associated or related companies.  However, backups are made to servers under a “cloud storage” arrangement with servers through Armor. The information will not be available to be accessed by any person associated with the cloud storage.

8. Credit reporting


We do not intend to provide any information to a credit reporting body in relation to your dealings with us.  However, the credit provider we introduce you to may do so on its own behalf.  That credit provider will have its own privacy policy under which it will operate. 

9. Direct marketing



If the direct marketing is by email you may also use the unsubscribe function. If the direct marketing is by text you may also use the unsubscribe function.

By using the unsubscribe function in a direct marketing communication you will only unsubscribe from direct marketing from that entity/brand who sent you the communication and method of delivery. Please let us know if you would like to unsubscribe from all direct marketing from Monevo and all related entities. We will not charge you for giving effect to your request and will take all reasonable steps to meet your request at the earliest possible opportunity.

10. Access to and correction of information held

  1. Access

The Privacy Act provides that, subject to some exceptions, you have a right to know what information we hold about you, including information we have obtained from credit reporting bodies. If you wish to access the personal information we hold about you, including information we have obtained from a credit reporting body, you should make contact with us in any of the following ways:

Compliance Department,
Oxford House, Oxford Road,
SK11 8HS
United Kingdom





  1. Correction





  1. Updating your personal information



11. Government identifiers

If we collect Government identifiers, such as your tax file number, we will not use or disclose this information other than is required by law.  We will never use a government identifier in order to identify you.

12. Anonymity

Should you wish, it is possible for you to deal with us anonymously.  Where it is lawful and practicable to do so, we will offer you the opportunity of doing business without providing personal information where you, for example, simply make a general inquiry about interest rates or current promotional offers.  However, in order for us to provide you with a service, it is necessary for us to identify you.  If you elect to remain anonymous, we will not be able to do business with you.

13. Complaints



If we believe that we cannot resolve the complaint within 21 days, we will write to you telling you why and seeking further time.

If you are not satisfied with the resolution of the complaint, you have a right to refer the complaint to our external dispute resolution service, the Australian Financial Complaints Authority Ltd (“AFCA”) or to the office of the Australian Information Commissioner (“OAIC”).

The contact details of those two bodies are as follows:-

Australian Financial Complaints Authority

Phone                                1800 931 678 (9:00am to 5:00pm Melbourne time)
Interpreter Service            131 450
Fax                                    (03) 9613 6399
Mail                                   GPO Box 3, Melbourne VIC 3001
Complaint page:     

Office of the Australian Information Commissioner

Phone                               1300 363 992 (9:00am to 5:00pm Sydney time)
Fax                                    (02) 9284 9666
Mail                                   GPO Box 5218, Sydney NSW 2001
Complaint form:      

We have a written policy (“Dispute Resolution Policy”) in place under which we deal with any complaint made under the provisions of the National Consumer Credit Protection Act. We are required to have that policy as part of our Australian Credit Licence. We can provide you with a copy of that policy on request.


14. Change in Our Privacy Policy



You may request this privacy policy in an alternative form, and if possible, we will provide to you.