P3O Pty Ltd (ABN 28 628 835 772) trading as Lend Secure (“we”, “us”) is bound by the Privacy Act 1988 (Cth), the Australian Privacy Principles (APPs), and Part IIIA of the Privacy Act and the Privacy (Credit Reporting) Code 2014 for credit-related information. This policy explains how we manage your personal information.
Information we collect
To provide credit assistance we collect information that is reasonably necessary, including:
- identity and contact details: name, date of birth, address, phone, email and identification documents such as a driver licence, passport or Medicare card;
- financial information: employment, income, assets, liabilities, living expenses, bank statements and tax returns;
- credit information: repayment history, credit enquiries, defaults and credit scores obtained with your consent;
- property and purchase details, and information about your goals and objectives;
- information about dependants and household circumstances where it affects your finances.
We only collect sensitive information, such as health information relevant to hardship or insurance, with your consent. You can deal with us anonymously for general enquiries, but we can't arrange credit without identifying you.
How we collect it
We collect information directly from you in meetings, by phone, email, WhatsApp, our website and application forms. With your consent, we may also collect it from your employer, accountant, lenders, credit reporting bodies, valuers, real estate agents, referrers and identity verification services.
How we use it
- to understand your requirements and objectives and assess which credit products are suitable;
- to prepare, submit and manage credit applications and communicate with lenders on your behalf;
- to meet our obligations under the National Consumer Credit Protection Act 2009 (Cth), anti-money laundering and other laws;
- to provide ongoing service and loan reviews;
- to tell you about products and services that may interest you. You can opt out at any time.
Who we share it with
We disclose information only as needed to help you, including to: lenders and credit providers; lenders mortgage insurers; our credit licensee Australian Finance Group Ltd and its aggregator and compliance teams; valuers, conveyancers, solicitors and accountants; identity verification and e-signing providers; our CRM, document storage and IT service providers; referrers where you were referred to us (limited to the status of your loan); and regulators, courts and AFCA where required by law.
Overseas disclosure
Some of the organisations we and our licensee, Australian Finance Group Ltd (AFG), share information with may be located overseas, including in the USA, Canada, Malaysia, India, Ireland, the United Kingdom, Serbia, Nepal, South Africa, Fiji, Sri Lanka, Bangladesh, Hong Kong, China, Vietnam, Croatia, Ukraine, Spain and the Philippines. These include IT service providers, cloud storage providers and other contractors. We take reasonable steps to ensure they handle your information consistently with the Australian Privacy Principles.
You can read AFG's Privacy Policy at www.afgonline.com.au.
Credit reporting
When you apply for credit, the lender may obtain your credit report from a credit reporting body such as Equifax, Experian or illion, and may disclose repayment and default information to them. We don't make credit enquiries during an initial conversation.
You can request a free copy of your credit report from each credit reporting body every three months, ask them not to use your information for pre-screening of direct marketing, and ask for a ban period if you believe you've been, or are likely to be, a victim of fraud.
Website enquiries and WhatsApp
Our website enquiry form opens WhatsApp with your message ready to send. Messages sent through WhatsApp are handled by WhatsApp (Meta) under its own privacy policy as well as ours. If you prefer, you can call or email us instead. Please don't send identity documents through WhatsApp until we've agreed a secure method with you.
Security and retention
We protect information with access controls, secure storage and staff training. We keep records for at least seven years as required by credit laws, then destroy or de-identify them securely.
If a data breach is likely to result in serious harm, we will notify you and the Office of the Australian Information Commissioner under the Notifiable Data Breaches scheme.
Access and correction
You can ask to access or correct the personal or credit information we hold about you. We'll respond within 30 days. If we refuse, we'll explain why in writing. There's no charge to make a request.
Privacy complaints
Contact our Privacy Officer, Ram Lakshmanan, at ram@lendsecure.com.au, on 0402 634 591, or by post at Shop 5/15 Civic Ave, Pendle Hill NSW 2145. We'll acknowledge your complaint within 7 days and aim to resolve it within 30 days.
If you're not satisfied, you can contact the Australian Financial Complaints Authority (afca.org.au, 1800 931 678) or the Office of the Australian Information Commissioner (oaic.gov.au, 1300 363 992).
Last reviewed: September 2026. We may update this document from time to time; the current version is always on this page.