Disclaimer

The information provided on this site is on the understanding that it is for illustrative and discussion
purposes only. Whilst all care and attention is taken in its preparation any party seeking to rely on its
content or otherwise should make their own enquiries and research to ensure its relevance to your
specific personal and business requirements and circumstances. Terms, conditions, fees and charges
may apply. Normal lending criteria apply. Rates subject to change. Approved applicants only.

Terms, conditions, fees, and charges may apply. All loans are subject to normal lending criteria and approval. Rates are subject to change and apply to approved applicants only.

Financio Lending Solutions (ACN 684 908 021 ) is authorised under LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192

Hasib Shahriar is a credit representative (563999) of LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192.

Privacy Policy

Who are we?
‘We’, ‘us’ and ‘our’ refers to the Broker, Aggregator, Australian Credit Licensee and our related
businesses outlined in the Credit Guide provided to you.
Our commitment to protect your privacy
We understand how important it is to protect your personal information. This document sets out
our privacy policy commitment in respect of personal information we hold about you and what we
do with that information.
We recognise that any personal information we collect about you will only be used for the
purposes we have collected it or as allowed under the law. It is important to us that you are
confident that any personal information we hold about you will be treated in a way which ensures
protection of your personal information.
Our commitment in respect of personal information is to abide by the Australian Privacy
Principles for the protection of personal information, as set out in the Privacy Act and any other
relevant law.
Personal information
When we refer to personal information we mean information from which your identity is
reasonably apparent. This information may include information or an opinion about you. The
personal information we hold about you may also include credit information.
Credit information is information which is used to assess your eligibility to be provided with
finance and may include any finance that you have outstanding, your repayment history in
respect of those loans, and any defaults. Usually, credit information is exchanged between credit
and finance providers and credit reporting bodies.
The kinds of personal information we may collect about you include your name, date of birth,
address, contact details, account details, occupation, and any other information we made need to
identify you.
If you submit inquiries or information using our website we may also collect the type of finance
and the amount of finance that you are interested in obtaining, and any information that you
provide to us directly through our website or indirectly through use of our website.
If you are applying for finance we may also collect the ages and number of your dependants and
cohabitants, the length of time at your current address, your employment details and proof of

earnings and expenses. If you apply for any insurance product through us we may also collect
your health information. We will only collect health information from you with your consent.
Why we collect your personal information
We collect personal information for the purposes of assessing your application for finance and
managing that finance. We may also collect your personal information for the purposes of direct
marketing and managing our relationship with you. From time to time we may offer you other
products and services.
We collect personal information on our website to send communications requested by you and to
answer enquiries and provide information or advice to you.
To enable us to maintain a successful business relationship with you, we may disclose your
personal information to other organisations that provide products or services used or marketed
by us. We may also disclose your personal information to any other organisation that may have
or is considering having an interest in your finance, or in our business.
How do we collect your personal information?
Where reasonable and practical we will collect your personal information directly from you.
We may also collect your personal information from LM Broker Services, other finance brokers
and other people such as accountants and lawyers.
Do we disclose your personal information?
We may disclose your personal information:

to prospective funders or other intermediaries in relation to your finance requirements;
to other organisations that are involved in managing or administering your finance such
as third party suppliers, printing and postal services, call centres;
to associated businesses that may want to market products to you;

Website policy

This website policy includes a website that allows consumers to fill in questionnaires, forms and
surveys, loan applications, subscription services and online expert chat.
About this Website Policy
This website policy applies to this website, which is operated on behalf of Financio Lending Solutions Pty LTD ACN 684 908 021 and its related bodies corporate (we, us and our).
We are committed to protecting your privacy.
This policy explains how your personal information will be treated as you access and interact with
this website.
Our website privacy policy may change from time to time.

Collection and use of information
We may collect personal information from you directly or via your use of our services. We will only
collect personal information which is reasonably necessary for, or directly related to, our functions or
activities.

Sensitive information
Sensitive information is any information about a person’s racial or ethnic origin, political opinion,
membership of a political association, religious beliefs or affiliations, philosophical beliefs,
membership of a professional or trade association, membership of a trade union, sexual preferences
or practices, criminal record or health information.
We will not ask you to disclose sensitive information, but if you elect to provide sensitive information it
will also be captured and stored.

Information from third parties
Our website also contains links to the websites of third party providers of goods and services (Third
Party websites). If you have accessed Third Party websites through our website and if those third
parties collect information about you, we may also collect or have access to that information as part of
our arrangements with those third parties
Where you access a Third Party website from our website, cookie information, information about your
preferences or other information you have provided about yourself may be shared between us and
the third party.
Advertising and tracking
When you view our advertisements on a Third Party website, the advertising company uses ‘cookies’
and in some cases ‘web beacons’ to collect information such as:

the server your computer is logged onto;
your browser type;
the date and time of your visit; and
the performance of their marketing efforts.
When you access our website after viewing one of our advertisements on a Third Party website, the
advertising company collects information on how you utilise our website (eg which pages you view)
and whether you complete an online application.
Cookies
We use ‘cookies’ to provide you with better and more customised service and with a more effective
website.
A ‘cookie’ is a small text file placed on your computer by our web page server. A cookie can later be
retrieved by our webpage servers. Cookies are frequently used on websites and you can choose if
and how a cookie will be accepted by configuring your preferences and options in your internet
browser.
We use cookies for different purposes such as:
to allocate a unique number to your internet browsers;
to customise our website for you;
for statistical purposes;
to identify if you have accessed a Third Party Website; and
for security purposes.
IP addresses
Your IP address is the identifier for your computer when you are using the internet.
It may be necessary for us to collect your IP address for your interaction with various parts of our
website.
Online applications
When you send a completed online application to us, we retain the information contained in that
application. We are able to then use that information to provide any financial services that you
require.
You can also suspend and save online applications, so you can complete and send the applications
at a later time. If you suspend or save your application, the information that you have entered will be
retained in our systems so that you may recover the information when you resume your application.
Online applications that have been suspended or saved may be viewed by us.
Security of information
The security of your information is very important to us.
We regularly review developments in security and encryption technologies. Unfortunately, no data
transmission over the internet can be guaranteed as totally secure.
We take all reasonable steps to protect the information in our systems from misuse, interference, loss,

and any unauthorised access, modification or disclosure.
If we no longer require your information, and we are legally permitted to, we will take all reasonable
steps to destroy or de-identify the information.
We take reasonable steps to preserve the security of cookie and personal information in accordance
with this policy. If your browser is suitably configured, it will advise you whether the information you
are sending us will be secure (encrypted) or not secure (unencrypted).

Direct marketing
We will not use or disclose sensitive information about you for direct marketing purposes unless you
have consented to that kind of use or disclosure.
We may use your personal information for direct marketing purposes. If you do not wish to receive
direct marketing communications from us or from other organisations, or wish to know the source of
the information being used, you may submit a request [LINK]. We will respond to your request as
soon as practicable.

Disclosure to overseas entities
We do not generally disclose personal information obtained from cookies to overseas entities in the
course of our activities.
Please contact us on 0480743430 if you would like further information.

What to do if you have a dispute or complaint?

We hope you are delighted with our services, but if you have a complaint please let us know
so we can work towards resolving it promptly and fairly.
You can make a complaint verbally or in writing by contacting your broker directly or by
using any of the following:
● Email: resolutions@lmg.broker
● Phone: 1800 275 564 (toll free) Monday to Friday 8am to 7pm (AEST)
● Mail: Resolutions, Level 28 35 Collins Street Melbourne VIC 3000
When we receive a complaint, we will attempt to resolve it promptly. We will provide a
written acknowledgement of receipt of the complaint to the client within 24 hours (1 business
day) or as soon as practicable unless the complaint is otherwise resolved in the meantime.
We will ensure that a final response is given to you as soon as possible, but within thirty (30)
days of receipt of the complaint. For certain types of complaints, involving “default notices”
or urgent disputes such as “applications for hardship”, a final response must be provided
within twenty one (21) days.
If we are unable to deal with the complaint as it relates to a third party (for example, a
lender), we may ask you to contact the relevant third party.
In cases where your complaint will take longer than 30 days to resolve, we will notify you in
writing with the reasons for the delay and of your right to refer the complaint to the
Australian Financial Complaints Authority (AFCA)
External Dispute Resolution Scheme
If we do not reach an agreement on your complaint, you may refer the complaint to an ASIC
Approved External Dispute Resolution (EDR) Scheme. Our external dispute resolution
provider is the Australian Financial Complaints Authority(AFCA).
You can contact AFCA using any of the following:
● Online: www.afca.org.au
● Email: info@afca.org.au
● Telephone: 1800 931 678 (toll free)
● Mail: GPO Box 3, Melbourne Vic 3001
External dispute resolution is a free service established to provide you with an independent
mechanism to resolve specific complaints. You may refer the matter to AFCA at any time,
but if our internal process is still in progress, they may request that our internal processes be
completed before considering the matter further.
You can obtain further details about our dispute resolution procedures and obtain details of
our privacy policy on request.