Privacy Policy
At Class Funding, Credit Representative (Wildcard Design Pty Ltd ABN 53 010 706 108 trading as Class Funding), we are committed to protecting your privacy in accordance with the Privacy Act 1988 (Cth). This Privacy Policy describes our current policies and practices in relation to the handling and use of personal information.
What information do we collect and how do we use it?
We will ask you for personal information when we assist you with your finance.
Personal information may include:
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Contact details – name, address, email, phone number
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Financial details – income, expenses, assets, liabilities, bank account details
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Employment history
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Identification – driver’s licence, passport, or other government-issued ID
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Sensitive information (including health information)
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Any vulnerability you may disclose
We use the information you provide to:
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Advise about and assist with your credit needs
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Prepare and submit loan applications to lenders you have agreed to deal with
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Manage your ongoing relationship with us (e.g. invoicing, compliance, client surveys)
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Send requested product information and updates by mail or electronically (unless you tell us not to)
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Notify you about promotions, services, offers, events, or articles we believe may be of interest to you
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Improve our services and resolve any problems
We only provide your information to the companies with whom you choose to deal (and their representatives).
What if you don’t provide some information to us?
If you don’t provide us with full information, we can’t properly advise or assist you with your credit needs.
How do we hold and protect your information?
We strive to maintain the reliability, accuracy, completeness, and currency of the personal information we hold and to protect its privacy and security.
We keep personal information only for as long as is reasonably necessary for the purpose for which it was collected, or to comply with any applicable legal or ethical reporting or document retention requirements.
Storage method:
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We operate in a fully paperless environment
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All client records are stored electronically in secure, password-protected systems with firewalls and encryption
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If physical documents are received, they are scanned immediately and the originals are securely shredded
Security measures include:
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Restricted access to authorised staff only
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Encrypted systems and secure cloud storage
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Regular system backups and security audits
Will we disclose the information we collect to anyone?
We do not sell, trade, or rent your personal information to others.
We may need to provide your information to:
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Our credit licensee for administration and supervision
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Contractors or service providers (e.g. IT support, mailing services)
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Professional advisers (e.g. accountants, lawyers)
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Other companies in the event of a corporate sale, merger, or reorganisation
We require all recipients to protect your information in the same way that we do.
We may also provide your information if required by law or under other circumstances permitted by the Privacy Act.
Disclosures to overseas recipients
Some of the recipients to whom we disclose your personal information may be based overseas.
Likely countries include the Philippines, India, and Nepal.
Direct marketing
From time to time, we will use your contact details to send you direct marketing communications including offers, updates, and newsletters relevant to the services we provide. We may do so by mail, email, SMS, or phone, unless you tell us you do not wish to receive these communications.
You can unsubscribe (‘opt-out’) by notifying us, and we will no longer send information to you.
The information we obtain from you is used, subject to compliance with Australia’s privacy and credit reporting laws, only for the purposes listed in this policy.
How can you check, update or change the information we are holding?
Upon receipt of your written request and enough information to identify you, we will disclose to you the personal information we hold. We will also correct, amend, or delete any personal information we agree is inaccurate.
Contact our Privacy Officer, Daniel Metcalfe
📧 Email: finance@classfunding.com.au
📞 Phone: 0403 647 563
We do not charge for providing access to personal information or for complying with a correction request.
Your consent
By asking us to assist with your credit needs, you consent to the collection and use of the information you have provided for the purposes described above. For more information on your privacy rights, please visit www.oaic.gov.au.
Tell us what you think
We welcome your questions and comments about privacy.
📧 Email: finance@classfunding.com.au
📞 Phone: 0403 647 563
Complaints
Internal Dispute Resolution
If you have a complaint, please contact:
Privacy Officer – Daniel Metcalfe
📧 Email: finance@classfunding.com.au
📞 Phone: 0403 647 563
Please include as much detail as possible. You can lodge your complaint by email, phone, in person, or online.
We will:
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Acknowledge your complaint within 7 days
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Investigate and respond within 30 days
If you are not satisfied, we will explain how to escalate your complaint to:
Office of the Australian Information Commissioner (OAIC)
📞 Phone: 1300 363 992
🌐 Website: www.oaic.gov.au