Privacy Policy - enroutefinance
Last Updated: 21 April 2025
Enroute Finance ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. As a finance broker operating in Australia, we understand the importance of handling your information responsibly. This Privacy Policy outlines how we collect, use, disclose, store, and protect your personal information in accordance with the Australian Privacy Principles (APPs) under the Privacy Act 1988 (Cth) and other applicable laws, including the General Data Protection Regulation (GDPR) where relevant.
By using our website (enroute.finance), engaging our services, or providing us with your personal information, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use our website or services.
1. Who We Are
Enroute Finance is a licensed finance broker based in Australia, providing financial services such as finance broking, loan facilitation, and related advisory services. Our Australian Business Number (ABN) is 42125974469.
For privacy-related inquiries, you can contact our Privacy Officer at:
Email: privacy@enroute.finance
Phone: 0414106185
2. What Personal Information We Collect
We collect personal information that is reasonably necessary to provide our services, fulfill legal obligations, and improve our offerings. The types of personal information we may collect include:
2.1 Information You Provide Directly
Identity Information: Full name, date of birth, gender, marital status, and nationality.
Contact Information: Email address, phone number, residential address, and mailing address.
Financial Information: Income details, employment history, bank account details, credit history, assets, liabilities, and financial goals.
Identification Documents: Copies of driver’s licenses, passports, Medicare cards, or other government-issued IDs.
Transaction Information: Details related to loans, mortgages, or other financial products you apply for through us.
Other Information: Information provided through forms, surveys, inquiries, or communications with us.
2.2 Information Collected Automatically
When you visit our website, we may collect:
Technical Information: IP address, browser type, operating system, device information, and browsing behavior.
Usage Data: Pages visited, time spent on the website, links clicked, and referral sources.
Cookies and Tracking Technologies: Data collected through cookies, web beacons, or similar technologies to enhance your experience and analyze website performance. You can manage cookie preferences through your browser settings.
2.3 Sensitive Information
We may collect sensitive information, such as:
Credit Information: Credit reports, credit scores, and repayment history, as permitted under the Privacy Act 1988 (Cth) and the Privacy (Credit Reporting) Code 2014.
Health Information: In rare cases, health information may be collected if relevant to a loan or financial product application (e.g., disability or income protection insurance).
We only collect sensitive information with your consent or where required or permitted by law.
2.4 Information from Third Parties
We may receive personal information from:
Lenders and Financial Institutions: Credit reports, loan application statuses, or other financial data.
Credit Reporting Bodies: Credit history and creditworthiness information.
Public Sources: Information from public registers or databases.
Referrers or Partners: Information provided by business partners, accountants, or real estate agents with your consent.
3. How We Collect Personal Information
We collect personal information through:
Direct Interactions: When you complete forms, submit applications, contact us via phone, email, or in person, or engage our services.
Website Usage: Through online forms, live chats, or automated technologies like cookies.
Third Parties: From lenders, credit reporting bodies, or other authorized entities as part of the loan application or financial advisory process.
Public Sources: Where information is publicly available and relevant to our services.
4. Why We Collect Personal Information
We collect and use your personal information for the following purposes:
4.1 To Provide Our Services
Assessing your financial needs and suitability for loans, mortgages, or other financial products.
Facilitating loan applications and liaising with lenders or financial institutions on your behalf.
Providing financial advice and recommendations tailored to your circumstances.
4.2 To Meet Legal and Regulatory Obligations
Complying with the Privacy Act 1988 (Cth), Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth), and other applicable laws.
Verifying your identity and conducting credit checks as required by law.
Reporting to regulatory bodies such as ASIC or the Australian Taxation Office (ATO).
4.3 To Communicate with You
Responding to inquiries, providing updates on loan applications, and sending service-related communications.
Sending marketing materials, such as newsletters or promotions, where you have provided consent.
4.4 To Improve Our Services
Analyzing website usage and customer feedback to enhance our offerings.
Conducting internal research and development to improve our processes.
4.5 Other Purposes
Managing disputes, complaints, or legal claims.
Protecting the security and integrity of our website and business operations.
We will only use your personal information for the purposes for which it was collected or for related purposes permitted by law.
5. How We Disclose Personal Information
We may disclose your personal information to third parties in the following circumstances:
5.1 Service Providers and Partners
Lenders and Financial Institutions: To process loan applications or facilitate financial products.
Credit Reporting Bodies: To obtain credit reports or verify creditworthiness.
Professional Advisors: Such as accountants, lawyers, or auditors, where necessary to provide our services.
Technology Providers: For website hosting, data storage, or customer relationship management systems.
5.2 Regulatory and Legal Requirements
Government agencies or regulatory bodies, such as ASIC, ATO, or law enforcement, to comply with legal obligations.
Courts or tribunals in response to legal proceedings.
5.3 Business Transfers
In the event of a merger, acquisition, or sale of our business, your personal information may be transferred to the new entity, subject to privacy protections.
5.4 With Your Consent
We may share your information with other parties if you provide explicit consent, such as referring you to a third-party service provider.
We do not sell or trade your personal information for commercial purposes.
6. Cross-Border Disclosure
As a finance broker, we may disclose personal information to overseas recipients, such as lenders, service providers, or cloud storage providers located outside Australia.
Before disclosing personal information overseas, we take reasonable steps to ensure the recipient complies with the APPs or equivalent privacy standards, such as GDPR for EU-based recipients. By providing us with your personal information, you consent to such overseas disclosures.
7. How We Store and Protect Your Information
7.1 Storage
We store personal information in secure electronic databases and, where necessary, in physical files. Our data is hosted by reputable third-party providers with robust security measures.
7.2 Security Measures
We implement industry-standard safeguards to protect your personal information, including:
Encryption of sensitive data during transmission and storage.
Access controls to limit who can view or handle your information.
Regular security audits and updates to our systems.
Staff training on privacy and data protection obligations.
7.3 Retention
We retain personal information only for as long as necessary to fulfill the purposes outlined in this policy or to meet legal requirements. For example:
Financial records may be retained for at least 7 years as required by Australian law.
Credit information is retained in accordance with the Privacy (Credit Reporting) Code 2014.
When no longer needed, we securely delete or anonymize your information.
8. Your Rights and Choices
Under the Privacy Act 1988 (Cth) and, where applicable, the GDPR, you have the following rights:
8.1 Access
You can request access to the personal information we hold about you. We will provide access unless an exception applies under the law (e.g., where it would infringe on another person’s privacy).
8.2 Correction
If you believe your personal information is inaccurate, incomplete, or outdated, you can request that we correct it.
8.3 Complaints
If you have concerns about how we handle your personal information, you can lodge a complaint with our Privacy Officer. We will respond within 30 days. You may also contact the Office of the Australian Information Commissioner (OAIC) at:
Website: www.oaic.gov.au
Phone: 1300 363 992
8.4 Marketing Opt-Out
You can opt out of receiving marketing communications at any time by clicking the “unsubscribe” link in our emails or contacting us directly.
8.5 Anonymity and Pseudonymity
Where possible, you may interact with us anonymously or using a pseudonym. However, this may not be feasible for certain services, such as loan applications, due to legal or operational requirements.
8.6 GDPR-Specific Rights
If you are in the EU, you may have additional rights, including:
The right to erasure (“right to be forgotten”).
The right to restrict processing.
The right to data portability.
The right to object to automated decision-making.
To exercise any of these rights, contact our Privacy Officer.
9. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your experience, analyze usage, and deliver personalized content. Cookies are small data files stored on your device.
9.1 Types of Cookies
Essential Cookies: Necessary for the website to function properly.
Analytics Cookies: Help us understand how visitors use our website.
Marketing Cookies: Used to deliver relevant advertisements.
9.2 Managing Cookies
You can control cookies through your browser settings or by opting out via our cookie consent tool. Disabling cookies may affect your experience on our website.
10. Third-Party Links
Our website may contain links to third-party websites, such as lenders or financial institutions. We are not responsible for the privacy practices of these websites. We encourage you to review their privacy policies before providing personal information.
11. Children’s Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that a child has provided personal information, we will take steps to delete it.
12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of significant changes by posting the updated policy on our website and, where required, by direct communication. The “Last Updated” date at the top of this policy indicates when it was last revised.
13. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our handling of your personal information, please contact our Privacy Officer:
Email: privacy@enroute.finance
Phone: 0414106185
We are committed to addressing your inquiries promptly and transparently.
End of Privacy Policy