Legal

Privacy Policy

Last updated: June 2025

JCF Capital Pty Ltd trading as Settled Funding Group (Credit Representative Number 496121 of YBR Aggregation Pty Ltd ACL 390261) (“Settled Funding Group”, “we”, “us”, “our”) is committed to protecting your personal information. This Privacy Policy explains how we collect, use, hold, and disclose your personal information, and your rights in relation to it.

We are bound by the Privacy Act 1988(Cth) and the Australian Privacy Principles (APPs). This policy also covers how we handle credit information collected in connection with a credit application or credit facility (referred to below as “credit information”).

1. WHAT PERSONAL INFORMATION DO WE COLLECT?

Personal information means information or an opinion about an identified individual, or an individual who is reasonably identifiable. The kinds of personal information we may collect include:

  • identity information — name, date of birth, gender, current and previous addresses, driver’s licence number;
  • contact details — phone number, email address, postal address, social media handles;
  • financial information — income, assets, liabilities, tax file number, bank account details;
  • employment information — employer name, occupation, employment history;
  • credit information — credit history, credit capacity, credit eligibility, and repayment history;
  • loan scenario information from partial or completed form submissions on our website; and
  • website usage data — IP address, browser type, device information, pages visited, and referral source.

2. SENSITIVE INFORMATION

We will only collect sensitive information (such as health, ethnic origin, or criminal record information) where it is reasonably necessary for our functions and either you have consented or collection is required or authorised by law. For example, we may collect health information in connection with certain insurance applications. We handle all sensitive information with a higher degree of care.

3. WHY WE COLLECT YOUR PERSONAL INFORMATION

We collect, hold, use, and disclose your personal information primarily to provide you with credit assistance services, including to:

  • assess your eligibility and requirements for credit products;
  • prepare and submit loan applications on your behalf to lenders;
  • verify your identity in accordance with anti-money laundering laws;
  • communicate with you about your application and our services;
  • manage our relationship with you and maintain records;
  • comply with our obligations under the National Consumer Credit Protection Act 2009 (Cth), the National Credit Code, and other applicable laws;
  • manage risk and fraud prevention; and
  • improve our products and services.

We may also use your information for direct marketing purposes where you have consented or where permitted by law.

4. HOW WE COLLECT YOUR PERSONAL INFORMATION

Where reasonable and practicable, we collect personal information directly from you — for example, when you complete a form on our website, contact us by phone or email, or visit our office. We may also collect your information from:

  • credit reporting bodies;
  • lenders and other credit providers;
  • your co-applicants or co-borrowers;
  • your guarantors or proposed guarantors;
  • your employer, accountant, real estate agent, or other referees;
  • your legal, financial, or other professional advisers;
  • publicly available sources such as ASIC registers, land titles offices, or social media; and
  • organisations involved in processing or assessing credit applications, such as valuers or mortgage managers.

5. CREDIT REPORTING INFORMATION

In assessing your application for credit, we may obtain credit information about you from credit reporting bodies. This may include:

  • Identity information — name, date of birth, gender, address history, employer, driver’s licence number.
  • Credit enquiries — a record of applications for credit you have made.
  • Consumer credit liability information — details of credit accounts, including credit limits and repayment terms.
  • Repayment history information — whether you have met your monthly repayment obligations.
  • Default information — overdue payments of 60 days or more.
  • Payment information — a record that a previously defaulted amount has been paid.
  • Serious credit infringement — fraud or inability to locate you after a default.
  • Court judgments — Australian court judgments relating to credit.
  • Personal insolvency information — bankruptcy or debt agreement records.
  • Publicly available information — other information relevant to your credit worthiness.

We may use credit eligibility information derived from credit reporting bodies to assess your application. We will only use or disclose that information for the purposes permitted under the Privacy Act.

6. DISCLOSURE OF YOUR PERSONAL INFORMATION

We may disclose your personal information to:

  • lenders and credit providers to whom we submit your application;
  • YBR Aggregation Pty Ltd (our aggregator) and related entities;
  • credit reporting bodies;
  • valuers, mortgage managers, and other organisations involved in processing your application;
  • your professional advisers, including solicitors, conveyancers, accountants, and financial planners;
  • identity verification service providers;
  • insurers and re-insurers;
  • our technology, IT, and service providers (who are bound by confidentiality obligations);
  • government agencies, regulators, and law enforcement bodies where required or authorised by law (including under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth)); and
  • any person where you have provided your consent.

Before disclosing your information to a third party, we take reasonable steps to ensure that party has appropriate privacy and security protections in place, or that you have consented to the disclosure.

We do not sell your personal information to third parties.

7. DIRECT MARKETING

We may use your contact details to send you information about our services, offers, and updates where you have consented or where we are otherwise permitted to do so under the Spam Act 2003 (Cth) or the Privacy Act. You may opt out of receiving marketing communications at any time by:

We will action your opt-out request as soon as practicable at no charge to you.

8. STORAGE AND SECURITY OF YOUR PERSONAL INFORMATION

We take reasonable steps to protect your personal information from misuse, interference, loss, and unauthorised access, modification, or disclosure. Your information is stored in secure electronic and physical systems. We use industry-standard encryption for data transmitted via our website. We retain your personal information for as long as necessary to provide our services and to comply with our legal obligations. When your information is no longer required, we will take reasonable steps to destroy or de-identify it.

9. ACCESSING AND CORRECTING YOUR PERSONAL INFORMATION

You have the right to request access to the personal information we hold about you and to request corrections if it is inaccurate, out of date, incomplete, irrelevant, or misleading. To make an access or correction request, contact us using the details below. We will respond within a reasonable time (generally within 30 days). We may charge a reasonable fee for providing access where permitted by law. We will not charge you for making a correction request.

In some circumstances, we may be unable to provide access — for example, where doing so would unreasonably impact another person’s privacy, or where disclosure is restricted by law. If we deny access, we will give you our reasons in writing.

10. ANONYMITY AND PSEUDONYMITY

Where it is lawful and practicable, you may interact with us anonymously or using a pseudonym — for example, when making a general enquiry about loan products or interest rates. However, we will generally need to identify you to provide credit assistance or process an application.

11. WEBSITE AND COOKIES

When you visit our website, we may automatically collect technical information such as your IP address, browser type, referring website, and pages visited. We use cookies to improve your experience and to measure website performance. You may disable cookies in your browser settings, though some website features may not function correctly. We do not collect personal information from cookies alone.

12. OVERSEAS DISCLOSURE

We do not routinely disclose personal information to overseas recipients. If we are required to disclose your information to an overseas recipient (for example, in connection with cloud-based services), we will take reasonable steps to ensure that the recipient handles it in accordance with the Australian Privacy Principles or equivalent protections.

13. COMPLAINTS

If you have a complaint about how we have handled your personal information or our compliance with the Privacy Act, please contact us in the first instance:

We will acknowledge your complaint within 5 business days and aim to resolve it within 30 days. If you are not satisfied with our response, you may escalate to:

  • Australian Financial Complaints Authority (AFCA) — www.afca.org.au, 1800 931 678, GPO Box 3 Melbourne VIC 3001
  • Office of the Australian Information Commissioner (OAIC) — www.oaic.gov.au, 1300 363 992

14. CHANGES TO THIS POLICY

We may update this Privacy Policy from time to time. The updated version will be posted on our website with a revised “Last updated” date. We encourage you to review this policy periodically. Your continued use of our services after any change constitutes your acceptance of the updated policy.

CONTACT US

JCF Capital Pty Ltd T/A Settled Funding Group
Credit Representative Number: 496121
Authorised under: YBR Aggregation Pty Ltd ACL 390261
Email: info@settledfunding.com.au
Phone: 0404 122 353