JCL Financial is committed to protecting your privacy and handling your personal information in accordance with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs).

This Privacy Policy explains how we collect, use, store, and disclose personal information, as well as how you may access or request correction of the personal information we hold about you.

We may collect personal information from you when we provide credit assistance or related services. The types of personal information we may collect include identification details, contact information, financial and credit-related information, and information relevant to your credit requirements and objectives.

We collect and use personal information to:

• assist you with your credit and loan-related requirements;

• assess, prepare, and submit credit applications;

• communicate with you regarding your application and our ongoing relationship with you;

• meet our legal, regulatory, and compliance obligations; and

• manage our business operations, including administration, invoicing, and client feedback.

We only collect personal information that is reasonably necessary for these purposes.

We do not sell, rent, or trade your personal information to third parties.

Your personal information may be disclosed to:

• our credit licensee for supervision, compliance, and administrative purposes;

• approved lenders and their representatives where you have authorised us to submit or support a credit application;

• contractors or service providers who assist us in operating our business (such as IT, cloud storage, or communication service providers), subject to confidentiality obligations; and

• other entities where disclosure is required or authorised by law, including under the Privacy Act 1988 (Cth).

Where personal information is disclosed, we take reasonable steps to ensure that recipients handle the information in a manner consistent with this Privacy Policy.

We may use your contact details to provide you with information about our services, updates, or content that may be relevant to you. Communications may be sent by mail or electronically unless you advise us that you do not wish to receive such communications.

You may opt out of receiving marketing communications at any time by contacting us using the details below. We comply with the Spam Act 2003 (Cth) and do not send unsolicited electronic marketing communications.

If you choose not to provide certain personal information, we may be unable to properly assist you with your credit requirements or provide our services effectively.

We take reasonable steps to protect personal information from misuse, interference, loss, unauthorised access, modification, or disclosure.

Personal information is stored securely using Google Workspace (formerly G Suite), a password-protected cloud-based system operated by Google. Access to personal information is restricted to authorised personnel only.

Some personal information may be stored or processed using cloud-based services that operate or store data outside Australia. Where this occurs, JCL Financial takes reasonable steps to ensure that such service providers handle personal information in a manner consistent with the Australian Privacy Principles.

We retain personal information only for as long as is reasonably necessary to fulfil the purposes for which it was collected, or as required by law, regulatory obligations, or professional standards.

You may request access to, or correction of, the personal information we hold about you by contacting us in writing.

Upon receiving your request and sufficient information to verify your identity, we will provide access to the personal information we hold about you, subject to any legal exceptions. We will correct any information that we agree is inaccurate, out of date, incomplete, or misleading.

We do not charge a fee for making a request to access or correct your personal information.

If you have a complaint about how we handle your personal information, please contact us using the details below. We will acknowledge your complaint and aim to resolve it within a reasonable timeframe.

If you are not satisfied with our response, you may lodge a complaint with the Office of the Australian Information Commissioner (OAIC).

This Privacy Policy may be updated from time to time. The current version will be published on our website.

Requests for access, correction, or privacy complaints may be directed to:

JCL Financial
Email: info@jclfinancialaust.com.au